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 9.3 9.5 9.5
Count 15 43 66

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 05/15/2019
By:
Caryl Label

I am very impressed with the level of service and coverage we have received on our labradoodle who seems to have to be at the vet every week. Claims get paid immediately and a check for a good percentage gets sent within the week. Constant updates are...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
1
Out of 10
Posted: 05/08/2019
By:
Nicholas Ditto

This is by far the biggest joke I have ever heard of. They will not get all of the proper information and then when they do they will deny as pre existing. Even in our case the paperwork sent was of the wrong animal completely. Have to go through appeals...

Injury/illness
Claim Amount
Breed

Pit Bull

Age of Pet
10
Out of 10
Recommended
Posted: 05/08/2019
By:
Gwen Wilson

PetsHealth now Hartville is an exceptional pet insurance company. With them, I have less worry when faced with unexpected pet health care expenses, Not only do they expedite claims, they always call to follow up and express heartfelt concern for my pet’s...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
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 preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

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

Hartville Pet Health Insurance has two 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.

If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded.  Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.

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.