Hartville | Pet Insurance Review


out of 5

Number of reviews 163

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.0
  • 4.7
  • Count
  • 2
  • 8
  • 163

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


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!

out of 5

POSTED: | BY: marco Wijnands

good service

good service, easy to register a new invoice, people took the time the I could take care of the right invoice

out of 5

POSTED: | BY: Darren

Professional and convenient

Hartville has made the claims process simple and convenient through their online claims submission. I was able to easily file for a claim and attach/upload the invoice and medical records to it. When I did call customer service with a question they were quick, polite and professional.

out of 5

POSTED: | BY: Kimberley Tsumura

Amazing Company

This company has been so amazing and easy to work with. The times I have filed claims, they were very quick in getting the claims processed and the payment sent electronically. I love working with the company and would recommend, and have recommended them to any of my doggy lover friends. Thank you for being so wonderful!

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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