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: Diana

They are pretty useless... can’t even get a dogs teeth cleaned

They just withdraw my money out without statements or notice, and take days for estimates. Their “member center” has hardly any pertinent information without looking everywhere. The customer service is fake and condescending. Dogs need their teeth cleaned. They don’t cover anything. Don’t use this company.

out of 5

POSTED: | BY: Tom Van

Hart vile Pet Insurance is caring, courteous, and just plain good!

They are a Great insurer to have on your side. They care about their clients. They call to see how your pet is doing and if there’s anything they (Hartville) can do! Amazing!

out of 5


Absolutely worst

Had multiple claims take over a month to get back. But I paid every month on Automatic pay so they get their right away. The fact they want medical records almost every time for a Lyme or season allergies issues is pathetic!!! And I still don’t have a refund for outstanding claim. Both me and my vet had fax over multiple times and I had my vet on my cell and Hartville on my work phone just to make sure they had. It’s pathetic

out of 5


Thanks for all the help!

We discovered our pup has hip displasia - we are trying to avoid surgery and try PT - the pet insurance kicked right in and they were super helpful. Thanks Tracy

out of 5

POSTED: | BY: Jennifer

Best than my own health care provider!

If all health insurances were this way I would be one happy girl! Hartville is EASY, PAINLESS, CARING and MODERN! Everything from inception has been easy! I have ZERO regret choosing this company, and I reviewed all of them when I first got my Sharpei! Yes, a sharpei!

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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