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

POSTED: | BY: Caryl Label

Great company that pays quickly, pays what you expect and great customer service

Impressive how quickly they reimburse. Best plan to get and totally worth it. This is our third dog on their plan. Their reimbursement is excellent. Their customer service is always helpful.

out of 5

POSTED: | BY: Aleksandra Rajkovic

Just perfect!

We have 2 dogs that are fully insured through Hartville Pet Insurance and we couldn't be happier with our choice. It is very easy to submit a claim and the waiting period hasn't been more than 3 weeks which is very reasonable! We've never had any issues with any of the claims (and we even did stem cell treatment for one of them) and their customer service is great!! We are going to continue using the Hartville Pet Insurance and I highly recommend it to anyone!

out of 5

POSTED: | BY: sarah larochelle

Great experience

Very happy with insurance

out of 5

POSTED: | BY: Elena Frassanito

Very satisfied with coverage and customer service

Coverage good and reimbursement is very quick

out of 5

POSTED: | BY: Shaikat


Good customer service and follow up

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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