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: November 13, 2023

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: Stacy

Hartville saved my pup and can save yours, too!

10 years ago no one could have ever convinced me that I would purchase health insurance for my pet. I thought it to be silly and self-indulgent. As a favor to a friend who sells insurance, I purchased a pet insurance policy because it didn't seem unreasonably expensive. Six months later, my Rottie mix rescue pup was diagnosed with Megaesophagus, a condition that does NOT have a good prognosis and that euthanasia is the typical recommendation. Because of Hartville, I have been able to get my pup the care and treatment he needs including, medications, checkups, and nutrition. The claims process is very simple, and my reimbursements are received within days of submitting my claims. The approval process for treatment is also very straightforward, and Hartville is clear on what treatments are covered for my pup before they are administered. If not for Hartville, it is unlikely that we would have been able to seek the right treatment for my pup as it would have been too big of a financial burden. My pup is not only alive but thriving because of Hartville. I have peace of mind because I know he is covered as is our Shih Tzu rescue. Any pet that is adopted into my family (and I hope to add several more) will have a policy from Hartville, and I keep encouraging anyone who will listen to do the same.

out of 5

POSTED: | BY: Brittany Bates

Great company with friendly, thoughtful staff

My sister is an employee of Hartville Pet Insurance; without her, I wouldn't have known such a service existed. Working with other members of their staff has been nothing short of satisfactory. They've sent very kind and humorous "thank you" cards, they call occasionally just to check on my pet after a claim, and I have yet to experience any issues with a claim. Every company wants your business, but it's rare when one actually makes you feel like "family", and Hartville Pet Insurance has done exactly that. Every employee I've spoken with thus far genuinely cares about me and my pet; they've gone above and beyond to make it an easy and convenient experience.

out of 5

POSTED: | BY: Marie McGinnis

Great service for 2 legged and 4 legged customers

Always a pleasure doing business with a great company

out of 5

POSTED: | BY: Marie DeCicco


I am very happy with my Hartville Pet Health Insurance. When you call them with a question everyone is extremely helpful and always ask about my Dog. I would highly recommend Hartville to all my friends.

out of 5

POSTED: | BY: Robert Wiley

Filing claims is as easy as they said it would be!

1st my dog Zeke fell then started limping. Then after taking medication which didn't help much, then a CT scan to determine what was going on, and then finally a shot in his elbow to fix the limp. After that he ended up with some type of infection. The bill was starting to run up a bit but it was no problem in filing a claim and then having it paid in a timely manner.

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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