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

9.6 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.6 9.6
Count 9 78 125

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 12/25/2019
By:
Lisa Richards

This is by far the best pet insurance out there! I spent weeks calling every company and to determine the actual coverage for my baby. Pekingese can be prone to multiple hereditary issues that most insurance companies will not cover. Hartsville has by far...

Injury/illness
Claim Amount
Breed

Pekingese

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 12/24/2019
By:
eugene

My German Shepherd, Abby, was relatively healthy for most of her life. We had incidents here and there, but when we needed to submit a claim not once in 12 years did we have any issues with the company response.

What stands out to me the most is how...

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.