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: Beverly


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

out of 5

POSTED: | BY: Karen Feinberg

Hartville Pet Insurance has been accurate in all they say they will do.

My dog Dixie was from the Humane Society of Sarasota County. I didn't have a dog for 30 yrs. Time has change with pet care since then and I was advised to take out dog insurance. I took out insurance with the Hartville and have been very pleased with their service. They are there to answer all my questions and are very helpful. My dog has allergies and is on medication. It has worked out very well with the Hartville - forms are easy to fill out and they are right there if you have any questions. Glad my Dog has Pet Insurance and glad I chose the Hartville Pet Insurance.

out of 5

POSTED: | BY: Lyndee

Didnt think needed...but gratful have it

Have always had animals but never had pet insurance until recently. I got it as a recommendation when I adopted a new cat. I am so glad I did. My cat has had a pesky ear infection that has required multiple trips to vet and various medications. All claims have been processed timely and accurately. This illness alone has covered the cost for the yearly policy. Customer service has always been great when I have had a question and website is so easy to use to get information or submit / track claims.

out of 5

POSTED: | BY: Eleanor Lobdell

They are the best!

Have been with this group since 2009 and they have always gone above and beyond to answer questions. When our last dog passed suddenly we even got a call from them. This type of personal service and concern is very rare today and truly appreciated.

out of 5

POSTED: | BY: Elizabeth Kasper

Great pet insurance

We have had a wonderful experience with Hartville pet insurance. After each claim they always call to check on Lulu and let me know the status of my claim. I highly recommend this company!

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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