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: Renee

Where do u s a vet that except direct pay.habe insurance can't use or save ur pet ridiculous

I have plenty of insurance and I also have found plenty of insurance that does direct pay but I can't find it at that accept direct pay so what he supposed to do have your animal die when they can get payment and probably 2 to 4 days if that long. But they'd rather have the animal die cuz you don't have the money up front to pay why are you paying for insurance then the does direct pay it's ridiculous somebody get me some information on vets anywhere I don't care I will drive to them that accept direct pay that's good that takes care of cats holistic medical the whole shebang the surgery has critical Care no matter what happens they take can take care of it that's kind of insurance I got that's kind of bad I need and I have that kind of it but they won't accept direct insurance pay so it's ridiculous they're supposed to be there to help the animals and they're not. And it's not cheap the insurance but it's damn sure worth it but not if you can't use it and you had to put your animal down because you don't have 500 to 3000 whatever cost to do whatever their animal needs that's not right. Someone please help. And tell me some veterinarians I'll drive wherever I need to that accept direct pay the insurance I would recommend but not if you can't find anybody to take direct pay what are you going to do?

out of 5

POSTED: | BY: Chen Jeri



out of 5

POSTED: | BY: Robert Wiley

Filing claims is as easy as they said it would be!

Shopped around quite awhile for pet insurance. I actually have two large dogs. The other pet insurance companies were either to expensive or only covered at 70 or 80 percent. Have not had any problems with Hartville Pet Ins. If you need pet ins. shop around an I think you will go with Hartville .

out of 5

POSTED: | BY: Angela Basse


First off, the good... easy claim processing... NOW THE BAD... premium went up 52% after only one year of coverage!!!!!! Golden Retriever coverage from age 2-3 and all of a sudden premium went from $53.80 to $81.60 per month. Absolutely ridiculous!!! Is this even legal?

out of 5

POSTED: | BY: Dr Linda

Honest, reliable, compassionate and integrous Insurance Company.

During the most difficult experience a pet owner can have - that of receiving a diagnosis of brain cancer in their beloved animal companion, very little can soothe the heartbreaking shock and sadness. My 9 yr. old German Shepherd began having seizures and required the care of a specialist. In order to pinpoint the source of her seizures an MRI and Spinal Tap would need to be conducted by a neurological specialist. The cost for these procedures would be over $4,000 not to mention that her seizures coincided with the onset of the pandemic and shelter in place orders here in South Florida. Hartville Pet Insurance walked me through the process of getting a pre-authorization for these expensive but necessary procedures. My beloved pet had the MRI and was diagnosed with a meningioma. The only comfort I felt throughout this process was knowing that Hartville had the costs covered and were with me every step of the way. I only wish that my own health insurance was as responsive and reliable as my Pet’s insurance. Thank you Hartville for being the best pet insurance company. Thank you for making a difficult time less stressful. Your reliability and compassion has made all the difference in the world. The quality of your insurance plan has provided me with the ability to make sure that my animal companion and best friend receives the best care - I can never thank you enough.

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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