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: Janet Biaggi


My dog Matt has been insured with Hartville for quite some time now and we continue to receive excellent service. Thank you, Janet and Matt

out of 5

POSTED: | BY: MaryAnn

Peace of mind and your pet

Peace of mind when it comes to the health care of your pet is important. We have our two cats and dog insured with Hartville Pet insurance. Last year our Siamese was diagnosed with restrictive cardio myopathy-endomyocardial form. This was where Hartville stepped in and made decisions for treatment doable. Hartville Pet Insurance is a compassionate company dedicated to providing our pets the ability to have the health care they need. Our fur babies give us so much and deserve the best health care we can give them. Hartville Pet Health insurance gives us that opportunity. Claims are easy to file and quickly processed.

out of 5

POSTED: | BY: MaryAnn

Thoughtful, caring pet insurance provider

Hartville Pet Insurance has provided the best plan for our Siamese; Fairlight. In Fact a year ago he was diagnosed with a heart issue that requires careful observation and several medications. Hartville has been there for us guiding and helping give us the ability to keep our baby stable. In fact we have our cat; Mia and our dog BonnieBelle insured with Hartville Don't let finances affect a decision to provide the best possible care for your pet; keep them insured. They give such love and joy to us and deserve to have the best possible health care.

out of 5

POSTED: | BY: Eleanor Lobdell

A Company that really cares!

We have had Pets Healthplan since 2009 and the service and caring of the staff is amazing!! They are always happy to answer any questions and the claims are taken care of very quickly. I do not know of any other Insurance Company that goes above and beyond the way they do.

out of 5

POSTED: | BY: Beverly


The claim was handled quickly and in order. Speedy payment.

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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