Hartville | Pet Insurance Review


out of 10

153 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 10.0
  • 10.0
  • 9.3
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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 10


Great customer service

I have used Hartville for a couple dogs and always had great service. Claims are always handled quickly and efficiently. Highly recommend.

out of 10

POSTED: | BY: Shin

My dog is well taken care of by Hartville!

Hartville is easier to work with than human insurance companies. I have peace of mind knowing I can bring my dog to the vet without worry. Thanks for helping me take care of my pup.

out of 10

POSTED: | BY: August Palermo

Hartville takes care of its clients

We are extremely pleased with our policy. In addition any time we need assistance Hartville representatives have been very helpful as well as understanding.

out of 10

POSTED: | BY: Stacy

Huge help

Such a huge help. Our sweet puppy started having seizures and our local vet felt we needed to take him to see a specialist. After all the tests that were done he found out that it was going to cost over $3,100. Of course we had to pay it up front but with our pet insurance we got most of it back. Huge relief. Sooo happy with this insurance company!!! Very reliable!

out of 10

POSTED: | BY: Louis Chen

Easy, convenient, and great service

Hartville Pet Insurance has been an excellent service, from claim-filing, to speed of reimbursements, to customer service overall. Hartville has made filing a claim easy, accessible, and stress-free. Hartville also provides claim reimbursements very quickly and the option for direct deposit definitely speeds up the process and makes it convenient. I was shocked to have received a call from a Hartville associate to check up on how my pet, Oliver, is doing and very-much appreciate the great and personalized service. I would absolutely recommend Hartville to other pet owners.

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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