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: Rowena

An awesome choice for your pet's insurance.

Chose Harville per insurance because of an email from Subaru. We all know Subaru loves pets. I've had very good experiences. The customer service is excellent and claims are super easy to submit. Glad to have them for my pet's insurance.

out of 5

POSTED: | BY: Ann hassel

Hsrtville was the best very easy to get help in claims, nice to deal with caring people

Hartville wonderful caring nice people ins claims settled fast the best u can get in in pet ins am grateful to them for using them

out of 5

POSTED: | BY: Lisa Richards

Best care for my baby

This is by far the best pet insurance out there! I spent weeks calling every company and to determine the actual coverage for my baby. Pekingese can be prone to multiple hereditary issues that most insurance companies will not cover. Hartsville has by far the best coverage for any issue out there. It has been the best decision that I have ever made. The claims process is simple and the claims are paid quickly. I also loved the fact that I was able to choose my deductible amount, percentage of repayment, and yearly Max on claims. Love the company and the customer service is amazing, I can tell they are really concerned and involved in making sure you are able to get the best possible care for your fur baby.

out of 5

POSTED: | BY: eugene

Overall it was a good experience

My German Shepherd, Abby, was relatively healthy for most of her life. We had incidents here and there, but when we needed to submit a claim not once in 12 years did we have any issues with the company response. What stands out to me the most is how they surprised me when they told me to submit a claim for euthanization and cremation when I called them to close Abby's account. I did not expect that and it was a gracious act at a hard time.

out of 5

POSTED: | BY: Maria de

Good value.

Fast reimbursement. Customer friendly staff.

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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