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: 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.

out of 5

POSTED: | BY: rebecca

Quick, easy, and kind assistance

We have an 11 month old puppy who has had some medical issues (allergic reaction, ear infections, food allergy) and Hartville has been wonderful. Submitting claims couldn't be any easier, they've called to check in on our puppies health, and payouts happen quickly. Thank you!

out of 5

POSTED: | BY: Mike Cronin

I am so grateful for Hartville Pet Insurance and its dedication to making my pet and I feel like valued customers.

I am very satisfied with Hartville Pet Insurance. Having them has been a life savor for us as our dog suffered a torn ACL and a torn meniscus in the past year. We're also happy with the way the company treats its customers. Employees follow up with us to check on Byron and make sure we have what we need. I definitely recommend Hartville to others, it will save you money when accidents happen!

out of 5

POSTED: | BY: Christine Mahoney

Good insurance partner pet families!

Never had pet insurance before my dog, Otis. I found Hartville easy to deal with on phone, and fair with acceptable, reimbursable expenses.

out of 5

POSTED: | BY: Jacklyne Volpe

Quick Claims and Awesome Customer service

Hartville has really saved us! Both our dogs are insured, and although our boy is super healthy and hardly has to utilize it, our girl on the other hand was diagnosed with dysplasia at a young age and Hartville has been amazing with their support. Claims are paid out quickly, most of our needs are covered by the policy and they have even called to check up on her progress. I would recommend this company to anyone with a new pet!

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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