Hartville | Pet Insurance Review


out of 5

Number of reviews 164

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.2
  • 4.7
  • Count
  • 0
  • 5
  • 164

Updated: May 29, 2024

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: Maria de

Good value.

Fast reimbursement. Customer friendly staff.

out of 5

POSTED: | BY: Laura Johnson

Pretty Easy process

Overall the process was VERY easy. The ability to upload the bill was easy, follow up on the website was not easy to see where the review was at, the claims page just noted "under review". The only issue I had was where the payment was sent. I had two different vet bills and I did ask that payment be sent to the vet's directly. Whoever cut the check sent the entire claim about to 1 of the clinics. When a customer care rep called to check in, even she could not tell me where and what about was being sent. This has delayed the process as the check now has to be re-issued to me to properly distribute the funds. However, overall the process was easy and when I do talk to someone they are very caring.

out of 5

POSTED: | BY: Christopher Molina

Great insurance company

Im very satisfied with this insurance company. Always a short hold time and a speedy conclusion to my calls. Filing a claim is a breeze.

out of 5

POSTED: | BY: Karen

The best!

Hartville pet insurance is the best. The ease of this sight and the quickness of answers and claims is wonderful. Highly Recommended!

out of 5

POSTED: | BY: Michelle Hancock

Excellent coverage for preventative services

This is my first time having insurance in my cat and it had been a good investment.

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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