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: Richard Kostanski

Very Easy to use...Even I can do it!

The initial Claim service takes a couple of weeks, but once the first one is done...the rest are completed in a matter of a couple days. Very easy to use, very user friendly and great Reps if there are any questions. They even called to see how my dog was doing weeks after the fact. Such a great company!

out of 5

POSTED: | BY: Belle (Casco's

Getting to the HART of it - a much needed resource for dog owners

I wasn't sure I knew enough about pet insurance, but when our family dog needed ongoing care then emergency treatment, I made myself a promise to learn more! When I adopted Casco, a lab mix from the south, I immediately ensure he had coverage. I didn't know where to start and offhandedly my trusted auto and home advisor said she'd heard good things about Hartville. I have been pleased with how EASY it is to scan and upload medical records (from his rescue then TWO different vets and a specialist) as well as check-in on claims and reimbursement ETAs. Casco is a healthy pup turning two, but without his Hartville family I would have been in a challenging spot with his recent TPLO (ACL) surgery. The testing, medicine, and finally surgical treatment was confusing and scary, but Hartville was there to explain, give options, and indicate what future coverage could help. I was relieved to have someone in my corner who knew this process. Additionally, you think calling insurance is going to be scary or confusing - that maybe you and your pet are just another subscriber, BUT Hartville called within a week of Casco's surgery to check-in and make sure I knew claim was done and helpful dollars were coming my way to ensure my pet's ongoing care/ needs. I'm so thankful for the experience I had and I have told/ will continue to stress the importance of having the insurance/ team in your corner!

out of 5

POSTED: | BY: Lucie

I'm a very pleased & satisfied customer. Pleased with your services, response time & your Representatives!

I took a few months to THOROUGHLY review a few insurance carriers/plans and I am VERY PLEASED to have chosen Hartville. Your agents are very friendly, knowledgeable and professional. Your response time to reimburse me for a claim was completely acceptable - and your prices were lower than other companies. I feel comfortable knowing I have coverage with Hartville if anything should happen to Logan. I've never had pet insurance before and I couldn't be happier with choosing you.

out of 5

POSTED: | BY: Sandra


I like having the peace of mind knowing my fur baby is covered if I ever need it. I did not have insurance for my beloved Gabby girl when she got sick. After paying $5k in medical expenses I ran out of money and could not afford another medical procedure that she needed and had to lay my baby to rest. I was completely devastated. My fur baby is like a child to me and I never want to be in that position again.

out of 5

POSTED: | BY: Steven

No hassle

Puppy got unexpectedly sick with multiple conditions and while not serious, required multiple visits to the vet for constant monitoring and adjusting of medication. They handled the claims with no issues and checked in to see how my puppy was doing.

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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