Hartville | Pet Insurance Review


out of 5

Number of reviews 161

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.0
  • 4.7
  • Count
  • 2
  • 8
  • 161
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. Learn more about Hartville’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 5

POSTED: | BY: Christopher Dauerer

Quick payments

Great experience with Hartville. Payments arrive quickly. Premiums have stayed constant.

out of 5

POSTED: | BY: Joy Ann Matthias


Excellent service!

out of 5


POSTED: | BY: stan cisak

pet protection

just a poor choice for insurance claims are rarely approved

out of 5

POSTED: | BY: Susie Connelly

Claim reviews

Hartville has always been kind about my fur baby and very diligent with claims. I recommend Hartville to anyone!

out of 5

POSTED: | BY: Gunner L.

Great, but check your premiums at renewal time

Hartville offers a lot options for policy limits, reimbursement rates, and deductibles. Claims are easy to submit and are reimbursed quickly via direct deposit, if you sign up for it. Their website experience is straightforward and provides all the information you'll go looking for. If you need it, customer service is knowledgeable and helpful. They do, however, consistently increase your annual premium at renewal time by as much as 26%, depending on the age and breed of your pet. Comparison shopping will find you comparable attributes for lower premiums. I had a Hartville policy for four years, and overall I was very satisfied with it, but for the steep premium increases. I switched to Embrace.

Monthly Cost

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


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.


$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.


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.

Get a quote today

Leave a review