Hartville | Pet Insurance Review


out of 5

Number of reviews 163

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.0
  • 4.7
  • Count
  • 2
  • 8
  • 163

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: Marie

I am very happy with every employee I spoke to, They all are very polite and Helpful.

I find that the staff has been extremely helpful. Everyone that I spoke to when I would Call were very pleasant. I would definitely recommend. Hartville Pet Insurance to everyone that I know. I am very pleased with the Company.

out of 5

POSTED: | BY: Jane Tauer

Since you pets are your kids, it is great to know you can afford to take care of them with this insurance company.

My babies (Sgt and Pepper) have no worries in the world. Just the other day Sargent was playing outside and got his toes caught between 2 boards on the deck and tore his nail so bad I had to take him to the vest to get the nail removed and bandaged up. They did such a great job the next day he forgot about the injury but has stopped running on the deck. It is wonderful to know I will get a reimbursement from the insurance becasue it is a great investment with return.

out of 5

POSTED: | BY: Michelle H.

Peace of Mind

Hartville Pet Insurance has given me peace of mind for my two 1.5 yrs. old rambunctious pups. Claims are processed efficiently and accurately. With direct deposit, you receive your reimbursement within one or two days after the claim has been approved. Customer service is outstanding. I am extremely satisfied with the coverage and pricing of this insurer. I highly recommend this company.

out of 5

POSTED: | BY: Jane Tauer

The best investment you can have for your pets

It's nice to know that for the money you throw away can be invested in an insurance policy that really pays for itself.

out of 5

POSTED: | BY: Cheri Quincy

The company was fast, helpful and easy to use.

It's very good insurance for dog health issues.

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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