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 10.0 9.2 9.4
Count 1 44 140

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 05/12/2020
By:
Sarah Noblett

Hartville has been excellent to work with. All questions I’ve had along the way have always been answered quickly and thoroughly. The claims process is simple and efficient. The policies offer excellent coverage choices and are very clearly defined. I...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
1 - 8
3
Out of 10
Posted: 05/09/2020
By:
Diana

They just withdraw my money out without statements or notice, and take days for estimates. Their “member center” has hardly any pertinent information without looking everywhere. The customer service is fake and condescending. Dogs need their teeth...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
1
Out of 10
Posted: 04/13/2020
By:
Amy

Had multiple claims take over a month to get back. But I paid every month on Automatic pay so they get their right away. 
The fact they want medical records almost every time for a Lyme or season allergies issues is pathetic!!! And I still don’t have a...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.