Hartville Pet Health Insurance is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. 

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.5 9.5
Count 8 32 34

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 09/12/2018
By:
Kimberly Lynch

After adopting our cat we found out he has asthma. Hartville pet insurance has been helpful with coverage of his medication and procedures. We haven’t had any issues with claims that we’ve processed and have always been able to call if we had any...

Injury/illness
Claim Amount
Under $100
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/07/2018
By:
Kim Hertel

Fast response times and claims settlement. Close follow up by Customer Service, Overall excellent experience.

Injury/illness
ACL Tear
Claim Amount
Over $1000
Breed

Briard

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 08/24/2018
By:
Barbara LeVine

Timothy suddenly stopped eating and only wanted to hide. Since he normally is a good eater and very social, I knew something was very wrong. He was seen by his regular vet and then by an emergency specialist. Blood work indicated possible serious...

Injury/illness
Claim Amount
Over $1000
Breed

Domestic Shorthair

Age of Pet
10
Out of 10
Recommended
Posted: 08/10/2018
By:
Anne Marie Whelihan

My 6 year old Golden had a leg injury and he required ACL surgery. I submitted the estimate first to see if it would be covered. I was grateful that most of it would be covered. I had to use credit cards to pay it upfront but I was so relieved that I...

Injury/illness
ACL Surgery
Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
1 - 8
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option.

No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

Hartville Pet Health Insurance has three Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment.

Accident-Only coverage available.

Hartville Pet Health Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. 


Its Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.