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. 

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.4 9.7 9.5
Count 7 35 49

Hartville Pet Insurance

Out of 10
Posted: 02/04/2019
Laura Maltin

I have had cats and dogs using this pet insurance for I believe 10 plus years. From cardiac issues with a large dog and multiple medical issues in my cats, having insurance allowed me to get them the best medical attention to treat them. I was able to...



Renal (kidney)

Claim Amount
Under $100

Mixed Breed

Age of Pet
Over 8 years
Out of 10
Posted: 01/23/2019
Jeff Miller

The only reason my rating is an "8" and not a "10" is because of the time it takes to process a claim. My 1st claim took over a month to process and complete and the 2nd hasn't completed yet. Now with that being said, I want to point out the positive....

pnuemonia type conditions
Claim Amount
$100 - $500

English Bulldog

Age of Pet
Under a year
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.