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: Cindi Robertson

We were extremely impressed with the communication and efficiency throughout the claim process.

I was so impressed with how well Hartville handled our claim. They were in constant communication via email with me. They moved quickly to get the information they needed from our vet and processed our claim in a very timely matter. Then they even called to follow up on how our pet was recovering and offered any other assistance. Very satisfied customer. I have already recommended them to several friends and family with fur babies.

out of 5

POSTED: | BY: Lisa

Surprised at what services they repaid and how much they repaid.

I recommend anyone with a young pet to get insurance. They get into anything they can!

out of 5

POSTED: | BY: Kathleen A.

Fast, friendly, concerned service

We have had this insurance for a number of years going through several of our working dogs. They have always been concerned and have paid our claims very quickly. Something that I feel is important when you are dealing with a sick animal that you are terribly worried about

out of 5

POSTED: | BY: Bibi

Love it!

Love my plans. Would recommend for those on the fence to purchase insurance for your love ones.

out of 5

POSTED: | BY: Terry Hyland

Easy to work with very responsive

Have been great. Huge help in paying for emergency vet and diagnostic tests to finally determine Toby has epilepsy. Also pays for new prescription.

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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