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 9.8 9.5 9.5
Count 13 59 93

Hartville Pet Insurance

8
Out of 10
Recommended
Posted: 10/12/2017
By:
Rong

Prompt processing, a variety of selections to suit your pet's needs. I own a 15 yr cat, she sees her vet every 1 or 2 months and no hassle. You pay then you file a claim, you then see the reimbursement in your bank account. This is the only pet insurance...

Injury/illness

Thyroid

Claim Amount
$100 - $500
Breed

Tabby

Age of Pet
Over 8 years
9
Out of 10
Recommended
Posted: 10/06/2017
By:
Fran Van Horn

When things go wrong with an older dog, they seem to really go wrong! So to be able to have insurance is great. The team at Pets Health Care Plan are very kind. Good at responding, short wait time on the phone, and follow up after incidents. Living in the...

Injury/illness
Tail laceration, so more than a skin problem
Claim Amount
Over $1000
Breed

Greyhound

Age of Pet
Over 8 years
4
Out of 10
Posted: 09/25/2017
By:
Phillip Ramirez

The premiums are reasonable and they are very timely to collect payment or to provide a quote to add a pet. On the flip side of receiving payments for the coverage you are paying for; poor communication, slow roll the payment process, and little ability...

Injury/illness
ingested foreign object
Claim Amount
Over $1000
Breed

German Shepherd

Age of Pet
1 - 8
10
Out of 10
Posted: 08/30/2017
By:
Katelyn B.

I recently experienced an emergency with my lab who was not covered. ThOUSANDS of dollars gone in a snap. With Hartville I feel secure that will not happen again. PLUS every visit I have had with my vet I get money back for the preventative care. All of...

Injury/illness
Preventative
Claim Amount
$100 - $500
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.