Hartville | Pet Insurance Review

9.3

out of 10

153 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 10.0
  • 9.3
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  • 4
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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.
10

out of 10

POSTED: | BY: Rob Scott

Very happy to have it.

Very good customer service, no complaints.
10

out of 10

POSTED: | BY: sherell coke

the rating for me is 10

great customer service,they help with your needs
10

out of 10

POSTED: | BY: Emily Jacques

Excellent service

Excellent quick service!
10

out of 10

POSTED: | BY: Tim

First-timers' experience

After 30 years of pet ownership, this has been our first experience with pet insurance and we've been very pleased. We have Hartville pet insurance for both of our dogs; enrolled as soon as we brought them home at 10 weeks. Submitting claims online is easy and claims are processed in a timely and understandable manner.
10

out of 10

POSTED: | BY: Stacy

Hartville saved my pup and can save yours, too!

10 years ago no one could have ever convinced me that I would purchase health insurance for my pet. I thought it to be silly and self-indulgent. As a favor to a friend who sells insurance, I purchased a pet insurance policy because it didn't seem unreasonably expensive. Six months later, my Rottie mix rescue pup was diagnosed with Megaesophagus, a condition that does NOT have a good prognosis and that euthanasia is the typical recommendation. Because of Hartville, I have been able to get my pup the care and treatment he needs including, medications, checkups, and nutrition. The claims process is very simple, and my reimbursements are received within days of submitting my claims. The approval process for treatment is also very straightforward, and Hartville is clear on what treatments are covered for my pup before they are administered. If not for Hartville, it is unlikely that we would have been able to seek the right treatment for my pup as it would have been too big of a financial burden. My pup is not only alive but thriving because of Hartville. I have peace of mind because I know he is covered as is our Shih Tzu rescue. Any pet that is adopted into my family (and I hope to add several more) will have a policy from Hartville, and I keep encouraging anyone who will listen to do the same.

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

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.

Deductible

$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.

Exclusions

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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