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: May 24, 2024

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: 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.

out of 5

POSTED: | BY: Kimberly Cannoles

Customer Service is AMAZING

I am new to SPOT pet insurance, but not new to pet insurance. Torey was amazing and she is one of the reason's I gave my business to SPOT. I did have one other insurance company that was less expensive than SPOT, but the service and attention Torey gave me is what sold me. I am confident the coverage I have on my 2 pups will ensure they have the best quality of life I can give them. I will be adding another dog later this month as well. Thank you Torey for all of your time this morning!!

out of 5

POSTED: | BY: amy F

Use any other company

After few months cancelled my plan cause I found a different one that covered more for $5 more. I cancelled this but they still deducted the payment twice! Calling is a nightmare due to told times, emails never answered and claim took over 3 weeks.

out of 5


Great coverage at low cost

Our springer had to have ligament surgery on her leg and at 14/mo we saved close to $1000 out of pocket. Customer service was very helpful over the phone when i had questions about filing her claim, and they even sent a hand written get well card after our phone call and followed up with us to check in a few weeks later.. Our recently adopted beagle mix had been covered prior to this, so we were very familiar with the coverage ins and outs. The attention to detail ive received for both dogs has been great. I would suggesg you make sure you understand how much standard vaccinations and vet care costs annually before choosing a plan, and whether there are low cost vaccination clinics near you.. Claims take slightly over a month to process, but if you've met your deductible, and explain/show your vet your plan, many will give you an invoice instead if you direct your reimbursement to go the the vet office directly.

out of 5

POSTED: | BY: Moira A.

Hartville Pet Insurance places a high premium on value and creating an environment where there is an ease to doing business.

I had the pleasure of speaking with Loretta today. She works for Hartville Pet Insurance and is very good at what she does. She appears to really enjoy working for Hartville and speaks honestly and enthusiastically about the company's pet insurance program through her own experience with her dog and cat. She was a tremendous help and really gave the situation the attention it merited. I would highly recommend calling Hartville and asking to speak with Loretta; you will not be disappointed.

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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