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
4.7
out of 5
Number of reviews 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.
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.
1
out of 5
POSTED: | BY: Nicholas Ditto
Fraud!! Do not purchase
This is by far the biggest joke I have ever heard of. They will not get all of the proper information and then when they do they will deny as pre existing. Even in our case the paperwork sent was of the wrong animal completely. Have to go through appeals after appeals and nothing will be done except them pulling payments. They are a joke and we will be taking further action against them. Choose another company.
5
out of 5
POSTED: | BY: Gwen Wilson
Exceptional
PetsHealth now Hartville is an exceptional pet insurance company. With them, I have less worry when faced with unexpected pet health care expenses, Not only do they expedite claims, they always call to follow up and express heartfelt concern for my pet’s well-being. Truly a godsend, I am so glad I discovered and insure my pets with this company.
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.