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: Anne

Love being able to check the status of my claim online. Easy to do business with.

After my Mini Schnauzer was attacked by two German Shepherds I didnt want to do is have to worry about how I was going to pay for her vet bills. While I still had to pay for everything up front and maxed out in credit, I was able to easily submit my claims and provide my banking information. By the time the credit bills rolled in the claim had already been paid (minus all the stuff they manage to say is not-covered) and I was able to pay most of the credit used. Being able to submit the claim so easily, check the status on line, and receive the information in a reasonable amount of time was so beneficial. My little girl is back to normal again!

out of 5

POSTED: | BY: Ellen Douglas

Great service and quick claim payment

I have been with the Hartville Pets health plan for many years and have insured quite a few dogs. Their service has always been great, and claim process has gotten simpler and quicker. I can not submit claims on line and the payment goes right into my account within a few days. Love this. And after a claim, I get a call from the Hartville staff to find out how my dog is doing. Very sweet.

out of 5

POSTED: | BY: Katie

The Absolute Best

We strongly recommend this company to anyone who has a furbaby or who may be considering one. Their level of customer service and support is unmatched. Their site is easy to navigate and uncomplicated overall. They provide you with easy to understand and inexpensive coverage options with no hassle nor runaround. In a scary time with our furbaby, Panda, they were an absolute blessing. I absolutely adore these ladies and their dedication to getting us on the road to recovery. Their warm caring souls were the best I could have ever hoped for and we are so grateful to have them for our Panda.

out of 5

POSTED: | BY: Matthew Cameron

Wonderful insurance company

The price is good, the customer service is great, and the web application is exceptionally fast and well made. Great overall pet insurance company

out of 5

POSTED: | BY: Sonia Weinhaus

Cares about pet, fast reimbursement

The vets office can file the claims directly and Hartville sends reimbursement very quickly - easy process. Hartville calls to check how the dog is doing after medical treatment - seems to care more than human insurance companies.

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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