Hartville | Pet Insurance Review

4.7

out of 5

Number of reviews 166

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.
5

out of 5

POSTED: | BY: Jan Franklin

Excellent claims processing and customer service

I have my animals covered for 20 years and have had consistently great service, caring people and fast claims.
5

out of 5

POSTED: | BY: Amy Ortiz

EXCELLENT service and super easy claim system

This is my first experience with pet insurance and it was EXCELLENT! so easy and so caring! Thank you
5

out of 5

POSTED: | BY: Debra Galarza

Excellent service. Renewed when I got a new dog

I would recommend Hartville to other pet owners
1

out of 5

POSTED: | BY: Ben

Astronomical rate increase on renewal

I had two policies with Hartville. After the first year both policies automatically renewed with much higher premiums. The increases were over 36% on one and 53% on the other. I received no notice of the increase, only a single email saying the policies were up for renewal. The increases were only visible by going to the website, logging in and viewing the policy. Hartville claimed they made calls prior to renewal to notify me of the increase but when pressed they admitted that they used an automated system that didn't actually connect when it supposedly called.
5

out of 5

POSTED: | BY: Caryl Label

Fabulous Service with Great Benefits

I am very impressed with the level of service and coverage we have received on our labradoodle who seems to have to be at the vet every week. Claims get paid immediately and a check for a good percentage gets sent within the week. Constant updates are provided about the status. Excellent coverage for my 2 year old doodle. I always recommend on social media to all dog groups. I’ve used them for all of my dogs.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

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.

Deductible

$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.

Exclusions

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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