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: 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.

out of 5

POSTED: | BY: Lisa

I would highly recommend.

Excellent experience for my family!

out of 5

POSTED: | BY: Monica Boran

I appreciated the way you care.

I am very please with the service from heartville. It give me the impression that we live in a small town and every body knows everybody. I appreciated the fact that my call don't go over seas and I am dealing with someone that lives in U.S. I appreciated the sympathy cards that I received after Jack and Rudy passed away. I know that you never knew them but it was important to me.

out of 5

POSTED: | BY: Monica

Thank You guys!

I have been with Hartville for 13 years. I don't know how big is this business but you make feel special. I appreciated when my cats passed away I got a nice card from you. I am glad to pick your company to help me with my furry family. Thank you!

out of 5

POSTED: | BY: Gabriela Gil

Very helpful staff and user friendly website

We had a intestinal blockage scare with my pup, happens as always at the worst time but filing a claim later that week was easy and I was reimbursed a good chunk of a hefty bill within a week.

out of 5

POSTED: | BY: Charlene Barnett

Good insurance, always pays on time and staff is pleasant and eager to help.

I've had this insurance for a long time and I've always been pleased with the service.

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.

Get a quote today

Leave a review