Hartville | Pet Insurance Review


out of 5

Number of reviews 164

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: Lisa Burns

Strongly recommend

I strongly recommend Hartville pet insurance. First of all, read your policy and know what is covered and what isn’t, and then you won’t be disappointed and leaving poor reviews. That said, this insurance has been fantastic for me and my pets. I have had four dogs under policies and yes, it’s a big expense to carry pet insurance, but the knowledge that I never Have to worry about putting one down because I can’t pay a vet bill is worth the price. Hartville saw me through extensive vet, bills for surgery and cancer treatment for a beloved dog, and I trust them with my others. I certainly don’t know of an affordable health insurance for humans that has a $250 deductible! Customer service has always been excellent.

out of 5

POSTED: | BY: linda warford

worst rip off insurance

so far no payment has ever been paid. for pet bills. Ive been paying for insurance for a long time. and it is impossible to get them to pay out any thing.

out of 5

POSTED: | BY: Ann Tippett

Easy to use

Very friendly and helpful customer service. Good communication. Using their app is the easiest way to submit claim

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!

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.

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