Hartville
4.7

out of 5

Hartville Pet Insurance for Dog & Cat

Updated: November 13, 2023

Hartville Pet Insurance offers accident and illness coverage for dogs and cats. It is underwritten by Independence American Insurance Company and offers a variety of plans to choose from, with different levels of coverage and deductibles. Plans start at just $15 per month.

Hartville Pet Insurance Details

    • Why Our Users Picked It:

      Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.

      Pros & Cons:

      • Flexible coverage options
      • Annual coverage limits range from $2,500 to unlimited (great option for senior pets)
      • Optional wellness plan
      • Doesn’t cover alternative care
      • Potential premium increases
      • Longer times to reimbursements

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Covered up to the selected annual limit ($2,500-Unlimited)
      • Hospitalization Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)
      • Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Congenital or Hereditary Conditions
      • Cancer Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Dietary Supplements Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Illness
      • Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Prosthetics
      • End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Bilateral Conditions Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
      • Vet Exam Fees Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Organ Transplants Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
      • Lab Tests Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

      Plan Summary

      Hartville Pet 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. Their 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.

    Most popular dog breeds insured by Hartville Pet Insurance

    Here are the top 10 dog breeds covered by Hartville insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $97.66
    Yorkshire Terrier $50.29
    Puggle $121.80
    Poodle - Toy $89.96
    Miniature Yorkshire Terrier $117.41
    Miniature Goldendoodle $131.50
    Chiweenie $50.48
    Cavachon $85.76
    Boston Terrier $423.54
    American Staffordshire Terrier $397.91
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Hartville Pet Insurance

    Here are the top 6 cat breeds covered by Hartville insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Short Hair $104.67
    Ragdoll $165.79
    Other Mixed Breed $57.97
    Himalayan Mix $49.32
    Domestic Shorthair Mix $20.20
    Cameo Longhair $150.87
    Data source date 60 days, cost based on user selected average
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    Hartville Pet Insurance FAQ?

    • Does Hartville drop coverage when a pet gets older?

      Not at all. No matter how old your fur baby gets, Hartville pet insurance will never be canceled or downgraded. However, you may see an increase in your premium as they get older.

    • Does Hartville limit the number of claims I can submit?

      Not at all. Though according to their website, it does help if you submit your claim within 270 days of your pet’s vet visit.

    • How does Hartville pet insurance pay reimbursements?

      Hartville leaves that up to you. You can have a check sent to you via snail mail, or sign up for direct deposits.

    • How long does it take for Hartville pet insurance to process claims?

      On their website, Hartville says they typically process claims in 30 days or less. That is quite a bit longer than many pet insurance companies who reimburse customers within 2-7 days.

    • Does Hartville limit where I can use my pet insurance?

      No. You can use Hartville pet insurance at any licensed veterinary clinic in the U.S. or Canada, including emergency clinics and specialists.

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