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 10.0 9.5 9.5
Count 11 74 112

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 10/12/2018
By:
Nancy Noakes

This is an awesome pet insurance company that processes and pays claim correctly and quickly. They follow up to see how your dog is doing and are always pleasant to work with.

Injury/illness

Gastritis/vomiting

Sprained shoulder, kennel cough, giardia, emergency care.
Claim Amount
$500 - $1000
Breed

Labrador Retriever

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 09/24/2018
By:
Ryan H

My 1yr old chocolate lab decided to swallow a rock the size of a golf ball while. After him throwing up and whining I knew it was serious. The surgery cost be $2500. I submitted the claim and with in 9 days Hartville had already direct deposited the money...

Injury/illness

Gastritis/vomiting

Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/12/2018
By:
Kimberly Lynch

After adopting our cat we found out he has asthma. Hartville pet insurance has been helpful with coverage of his medication and procedures. We haven’t had any issues with claims that we’ve processed and have always been able to call if we had any...

Injury/illness
Claim Amount
Under $100
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 09/07/2018
By:
Kim Hertel

Fast response times and claims settlement. Close follow up by Customer Service, Overall excellent experience.

Injury/illness
ACL Tear
Claim Amount
Over $1000
Breed

Briard

Age of Pet
1 - 8
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.