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: Kim Hertel

Insurer with personal touch

Fast response times and claims settlement. Close follow up by Customer Service, Overall excellent experience.

out of 5

POSTED: | BY: Victoria O'Connor

Long time to process claim

I submitted a claim of 190.28 on August 14, 2018 and another one for 35.00. I should be getting a reimbursement of 90% since I was 24.00 short of my 250.00 deductible. It has been 3 weeks and it still says it's processing. I called a week ago and was told it can take 2-3 weeks. Still waiting, not happy about the amount of time it takes to get reimbursed. Thankfully this wasn't too costly of an illness.

out of 5

POSTED: | BY: Barbara LeVine

Purrfect Ending to Timothy's Health Scare

Timothy suddenly stopped eating and only wanted to hide. Since he normally is a good eater and very social, I knew something was very wrong. He was seen by his regular vet and then by an emergency specialist. Blood work indicated possible serious diagnoses. Knowing his health insurance would cover many costs, I felt that he could then have the best possible care, including acupuncture, a visiting nurse to administer daily IV hydration and medication. He soon started eating and becoming his "old self." Pet health insurance saved his life because his treatments were then affordable.

out of 5

POSTED: | BY: Anne Marie

Grateful to have Pet Insurance

My 6 year old Golden had a leg injury and he required ACL surgery. I submitted the estimate first to see if it would be covered. I was grateful that most of it would be covered. I had to use credit cards to pay it upfront but I was so relieved that I would get reimbursed for most of it. After submitting the claim online, it was a week to have the money deposited in my account. The company called to find out how my was doing post surgery. They are a caring company.

out of 5

POSTED: | BY: Nancy Radebaugh

Very quick turnaround

I was VERY impressed by how quickly Hartville reimbursed me for a $4,000 claim when my dog needed surgery to repair a torn ACL. Within less than two weeks, I received my reimbursement in my bank account. No hassles, no arguing, no endless amounts of paperwork. Just a VERY fast claim made online and BAM. DONE. THANK YOU for being so efficient and kind!

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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