I had two policies with Hartville. After the first year both policies automatically renewed with much higher premiums. The increases were over 36% on one and 53% on the other. I received no notice of the increase, only a single email saying the policies were up for renewal. The increases were only visible by going to the website, logging in and viewing the policy. Hartville claimed they made calls prior to renewal to notify me of the increase but when pressed they admitted that they used an automated system that didn't actually connect when it supposedly called.