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

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.3 9.5 9.5
Count 13 53 79

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 03/28/2018
By:
Elizabeth Kasper

We have had a wonderful experience with Hartville pet insurance. After each claim they always call to check on Lulu and let me know the status of my claim. I highly recommend this company!

Injury/illness

Skin problem

Claim Amount
$500 - $1000
Breed

Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 03/09/2018
By:
Richard Kostanski

The initial Claim service takes a couple of weeks, but once the first one is done...the rest are completed in a matter of a couple days. Very easy to use, very user friendly and great Reps if there are any questions. They even called to see how my dog was...

Injury/illness

Ear Problem

Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Over 8 years
8
Out of 10
Recommended
Posted: 02/20/2018
By:
Belle (Casco's fur mom)

I wasn't sure I knew enough about pet insurance, but when our family dog needed ongoing care then emergency treatment, I made myself a promise to learn more! When I adopted Casco, a lab mix from the south, I immediately ensure he had coverage. I didn't...

Injury/illness
TPLO surgery for ACL tear
Claim Amount
Over $1000
Breed

Labrador Mix

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/13/2018
By:
Lucie

I took a few months to THOROUGHLY review a few insurance carriers/plans and I am VERY PLEASED to have chosen Hartville. Your agents are very friendly, knowledgeable and professional. Your response time to reimburse me for a claim was completely...

Injury/illness
Claim Amount
$500 - $1000
Breed

Saint Bernard

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.

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.