Hartville | Pet Insurance Review


out of 5

Number of reviews 163

  • 60 Days
  • 1 Year
  • Lifetime
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  • 4.0
  • 4.7
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  • 8
  • 163

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: Josi West

If you love your pet, sign up!

My dog has had a spate of bad luck recently, including surgery and urgent care. Hartville made claiming these incidents painless for me, and they reimburse very quickly once they have all of the required documentation. It's totally worth the monthly payments to know that if anything happens to either of my dogs, I don't have to worry as much about the cost of the vet bill, which is so important in getting them the care that they need.

out of 5

POSTED: | BY: Deborah Muro

Everyone should have Hartville for their pets

So glad I insured my three cats with Hartville , it gives me peace of mind to know I can give them the care the need without financial hardship, I recently sent one of my babies over the rainbow bridge, it made me realize after burdensome medical bills totaling over 25,000 how important having insurance for my pets is, I urge everyone to insure their pets, and I always recommend Hartville due to my wonderful experience with them .

out of 5


Hartville is great

Hartville has been great with the claim process with my dog vet bill and vet emergency. There was no hassle and my claim was processed promptly. They kept me informed on information needed and process of my claim. They paid as my policy stated and it was easy peasy!

out of 5

POSTED: | BY: Leticia Santos


I definitely recommend heart

out of 5

POSTED: | BY: Dennis Peterson

do not stand behind their policy

was told they would pay for prescription food and prebiotic. the did for a short period then denied. our vet says he will always be sick without it.

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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