Hartville | Pet Insurance Review


out of 5

Number of reviews 161

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.0
  • 4.7
  • Count
  • 2
  • 8
  • 161
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: Gabbie Kaplan

Quick and compassionate response in an emergency

Hartville Pet Insurance was amazing when my cat Fishy had to be rushed to the emergency vet for acute urinary blockage. Knowing that they would cover 90% of my vet costs after a $100 deductible, I was able to confidently and quickly get the care that Fishy needed without hesitation that I wouldn't be able to afford it. Even after I was handed a $1300 bill, I knew I had no reason to fear because I had been able to speak with an insurance agent earlier that day to confirm that the charges would be covered. Additionally, every time I speak with a representative of this company, they always ask after the health of my pet first, before ever mentioning the business I call or email about. As a grad student with a cat who's never been 100% healthy, Hartville has been a literal life-saver for Fishy and my bank account at a monthly premium that I can afford. I have recommended Hartville to everyone I know with pets and when we bring home a second cat later this year, I will be immediately signing her up for an insurance plan of her own. It breaks my heart when friends and family have to set-up crowdfunding accounts to cover their vet bills when pet insurance is such an easy alternative, especially with Hartville Pet Insurance.

out of 5

POSTED: | BY: Rong

Simple as it is!

Prompt processing, a variety of selections to suit your pet's needs. I own a 15 yr cat, she sees her vet every 1 or 2 months and no hassle. You pay then you file a claim, you then see the reimbursement in your bank account. This is the only pet insurance I ever have had, they are good enough so not looking to switch.

out of 5

POSTED: | BY: Fran Van

Happy to have insurance during catastropic situations

When things go wrong with an older dog, they seem to really go wrong! So to be able to have insurance is great. The team at Pets Health Care Plan are very kind. Good at responding, short wait time on the phone, and follow up after incidents. Living in the NYC metropolitan area, fees are high, and I guess my only issue is that what I pay at the vet is always higher than what is allowed for "usual and customary charges."

out of 5

POSTED: | BY: Phillip Ramirez

Slow to pay will very poor customer service.

The premiums are reasonable and they are very timely to collect payment or to provide a quote to add a pet. On the flip side of receiving payments for the coverage you are paying for; poor communication, slow roll the payment process, and little ability to provide believable information on the status of a claim.

out of 5

POSTED: | BY: Katelyn B.

Money BACK 4 visits GREAT & better 2 be safe THAN sorry

I recently experienced an emergency with my lab who was not covered. ThOUSANDS of dollars gone in a snap. With Hartville I feel secure that will not happen again. PLUS every visit I have had with my vet I get money back for the preventative care. All of my money back, directly deposited within a week. Submitting the claim is extremely easy. Its absolutely worth 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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