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. 

Average customer rating

9.4 Out of 10
60 Days 1 Year Lifetime
Rating 8.1 9.4 9.4
Count 9 62 138

Hartville Pet Insurance

9
Out of 10
Recommended
Posted: 06/27/2020
By:
Robert Wiley

Shopped around quite awhile for pet insurance. I actually have two large dogs. The other pet insurance companies were either to expensive or only covered at 70 or 80 percent. Have not had any problems with Hartville Pet Ins. If you need pet ins. shop...

Injury/illness
Claim Amount
Breed

Great Dane

Age of Pet
1 - 8
1
Out of 10
Posted: 06/25/2020
By:
Angela Basse

First off, the good... easy claim processing...
NOW THE BAD... premium went up 52% after only one year of coverage!!!!!! Golden Retriever coverage from age 2-3 and all of a sudden premium went from $53.80 to $81.60 per month. Absolutely ridiculous!!! Is...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/31/2020
By:
Dr Linda Hron

During the most difficult experience a pet owner can have - that of receiving a diagnosis of brain cancer in their beloved animal companion, very little can soothe the heartbreaking shock and sadness. 
My 9 yr. old German Shepherd began having seizures...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
Over 8 years
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.