5
out of 5
POSTED: | BY: Marielle Hacher
I highly recommend this insurance to your pet.
Very helpful and kind people.
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.
5
out of 5
POSTED: | BY: Heather Patrum
Hartville has been a fantastic insurance company
Highly recommend
5
out of 5
POSTED: | BY: Benjamin Roghair
Hartville has been a lifesaver!!!
Hartville has been a lifesaver this year!!! One dog needed CCL surgery this year and Hartville was very responsive with answering questions as well as providing updates for his multiple claims. Our other dog needed to start allergy treatments this year and has needed multiple appointments before staring her on allergy injections. Hartville has been quick to cover all claims that have been submitted and followed up with our vet clinic if they had questions.
5
out of 5
POSTED: | BY: Linda J.
Hartville to the rescue!
We are long term clients and very glad we are. About 15 years ago we joined up our first boxer. They served him well, so naturally our second boxer Toddy, a rescue, became a client as well. Hartville has always had our back and when Toddy got sick and found to have IBD, they covered our expenses. At the same time, Toddy was found to have a mast cell tumor and had to undergo yet another procedure. Once the smoke cleared and we submitted our claims, we were reimbursed quickly. They did everything quickly and seamlessly. There are all kinds of new companies opening every day, but we will stick with the best!
5
out of 5
POSTED: | BY: Rocky Merchant
Having Hartville helped me make the best medical decisions for my pet, without having to stress about finances.
I registered for Hartville right as we got our new puppy - and it was the best decision I've made as a pet owner.
Our pup had the unfortunate luck of having an entropian eyelid - which required several vet visits, medication and surgery. Because we had purchased a policy early in ownding him, all of these were covered - which was a huge relief.
We've found the plan to be really comprehensive - from our puppies eye surgery, to puppy-related accidents like upset stomach, dog bites from rough play, and hurt paws. Vet care for typical accidents is still very expensive, so we were so relieved we could rely on Hartville.
Filing claims were really easy as well, and I was always reimbursed within 2 - 3 weeks.
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.