Hartville Pet Insurance Review 2024 (Official)
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Coverage Options
Annual Deductible
$100 - $1,000
Reimbursement Rate
70%, 80%, or 90%
Annual Coverage Limit
$2,500 - $5,000
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Hartville Pet Insurance offers affordable plans with great coverage to all dogs and cats in the United States with no upper age limit for enrollment. From unexpected illnesses to accidental injuries, and optional coverage for routine care, Hartville ensures that your pet can always receive the best medical care without placing a strain on your finances.
Pros
- Annual deductibles as low as $100
- Easy to file claims and manage account
- 270 days to submit a claim before expiration
- Will not raise the price of your policy for filing a claim
- 30-day money-back guarantee
- Discounts for multi-pet enrollment
- Coverage for pre-existing conditions after no signs of related symptoms have been noticed in 180 days
Cons
- Cannot pay the vet directly
- No unlimited coverage option
Hartville Pet Insurance is one of the longest-operating pet insurance brands in the United States, founded in 1997 by the reputable Crum & Forster Pet Insurance Group, which underwrites and administers plans. Plans are designed with a deep understanding of the varied needs of pet owners, offering a wide range of coverage options that can be customized to accommodate specific requirements and budgets.
What's Covered
- Accidents and illnesses
- Hospitalizations
- Cancer treatments
- Breed-specific conditions
- Orthopedic conditions
- Alternative therapies
- Veterinary exam fees
- Pet microchipping
- Poison consultation fees
- Therapeutic diets
- Vet-recommended euthanasia
- Cremation and burial
Optional Add-On: Routine Care
What's Not Covered
- Cosmetic or elective procedures
- Advanced dentistry or endodontic treatments
- Non-prescription food or supplements
- Obedience training
- Anal gland expression
- Complications due to breeding, nursing, or whelping
- Lost pet advertising and reward
- Vacation cancellation costs
- Pre-existing conditions
Routine Care Add-On
Hartville wellness plans give customers the ability to offset the cost of routine care that all pets need to stay happy and healthy. For an additional fee per month, you can get reimbursed for the following list of services up to the specified benefit amount.
Get reimbursed up to the following amounts:
Basic Preventive Care
Dental Cleaning - $100
Wellness Exam - $50
Deworming - $20
DHLPP Vaccine/Titer - $20
Rabies or Lyme Vaccine/Titer - $20
Fecal Test - $20
Heartworm Test - $20
Health Certificate - $0
Flea/Heartworm Prevention - $0
Bordetella Vaccine/Titer - $0
Blood Test - $0
Urinalysis - $0
Prime Preventative Care
Dental Cleaning or Spay/Neuter - $150
Wellness Exam - $50
Deworming - $25
DHLPP Vaccine/Titer - $25
Rabies or Lyme Vaccine/Titer - $25
Fecal Test - $25
Heartworm Test - $25
Health Certificate - $25
Flea/Heartworm Prevention - $25
Bordetella Vaccine/Titer - $25
Blood Test - $25
Urinalysis - $25
Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?
Waiting Periods
All pet insurance companies require you to wait a predetermined amount of time before your policy coverage takes effect. Waiting periods vary by insurance carrier, and some set different time frames depending on the type of vet visit. Hartville has a straightforward, 14-day waiting period for all services, which is faster than many other companies. Wellness coverage is effective immediately.
- Accidental injuries: 14 days
- Cruciate ligament injuries: 14 days
- Unexpected illnesses: 14 days
- Orthopedic conditions: 14 days
- Wellness coverage: 0 days
See how much Harrtville Pet Insurance costs for your pet
How it Works
Hartville Pet Insurance works by reimbursing between 70% and 90% of your vet bill for covered costs related to your pet's unexpected illnesses and injuries. You can use your insurance coverage at any licensed vet
1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.
2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.
3. File a Hartville Pet Insurance claim through their app, email, phone, or fax.
4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.
LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide
How to File an Hartville Pet Insurance Claim
Hartville makes it easy to file a pet insurance claim online, via app, or by mail, fax, or email. To submit a claim, you'll need the following information:
- Your name, address, contact information, and signature on the claim form.
- A description of the condition and treatment you are claiming.
- All applicable receipts including an itemized breakdown of the fees incurred.
Hartville offers a generous amount of time to file after the date of the vet visit, with up to 270 days before claim expiration. Optional direct deposits mean you can get reimbursed quickly and save you the hassle of going to the bank after receiving a check in the mail.
- Window to File: 270 days
- Average Claim Reimbursement: 9 days
- Maximum Time for Reimbursement: 30 days
- Reimbursement Methods: direct deposit or check
Hartville Pet Insurance Cost
Hartville Pet Insurance costs less than many other companies you might consider, with monthly rates starting around $12 for dogs and $10 for cats.
Lowest Price for dogs:
$12.28 / mo
Lowest Price for cats:
$9.83 / mo
Sample Prices
Estimated Hartville Pet Insurance costs are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $5,000 annual coverage limit generated for pets living in Dallas, Texas.
Breed of Pet | 6 Months Old | 3 Years Old | 10 Years Old |
|---|---|---|---|
French Bulldog | $88 | $88 | $263 |
Labrador Retriever | $63 | $63 | $261 |
Domestic Shorthair Cat | $24 | $24 | $57 |
Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.
Discounts & Ways to Save
- Get 10% off your premium rate for enrolling multiple pets
- Save $24 per year in monthly processing fees when paying for your plan annually
Customer Service
Hartville customer service is commendable, always ready to guide pet parents through filing a claim. They also make it easy to manage your account through the online Member Center, where you can submit and track claims, pay bills, locate vet clinics, and update your policy. You can also download the app for easy account management on the go.
Monday - Friday: 9:00 AM to 6:00 PM EST
Saturday: 9:00 AM to 5:00 PM EST
Sunday: 11:00 AM to 3:00 PM EST
Phone: 1‑888‑716‑1203
Email: cservice@hartvillepetinsurance.com
Enrollment Requirements
- Minimum age at enrollment: 8 weeks
- Medical Review: Records are requested at the time the first claim is filed
- Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
Cancellation Policy
The Hartville Pet Insurance program has next-day cancellation with a pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing a 60-day notice to the insurance company.
Expert Insights
Is Hartville Pet Insurance good?
"In our Hartville Pet Insurance review, we found that customers love how they can use their insurance policy at any licensed vet in the U.S. without dealing with network restrictions or referrals. Enrollment is available to all pets at least eight weeks old, unlike other companies with eligibility restrictions for senior pets.
If you're interested in advanced, alternative, or holistic veterinary care, then Hartville may be a great option for you. The Complete Coverage plan includes costs related to services such as stem-cell therapy, acupuncture, hydrotherapy, and more, which are commonly excluded elsewhere.
Finally, we love that Hartville will cover pre-existing conditions if no symptoms have been present for 180 days and orthopedic conditions can be covered in as little as two weeks, considering other carriers often implement waiting periods of 6 months or more."
Hartville Pet Insurance Reviews
4.3
283 Consumer Reviews
Peace of Mind
I bought insurance for our new puppy because my wife wanted it. I only needed basic, just in case. I liked the options that you gave and it’s for piece of mind, just in case we need it for a major surgery. I expected it to cost more, nice surprise.
Good Service
For the most part the claims are processed quickly and I never have any trouble putting through my claims. My dog is really sick right now and it helps to have this coverage even though it won't be sufficient to cover the whole surgery.
Is Hartville Pet Insurance right for you?
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More From Pawlicy Advisor
- Is Pet Insurance Worth It? Here's a Vet’s Perspective
- Learn How To Compare & Find the Right Pet Insurance For Your Furry Family Members
- Have More Than One Pet? Save on Pet Insurance with Multi-Pet Discounts
- When Is Pet Insurance a Great Decision?
- Everything You Need to Know About Filing a Pet Insurance Claim
We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.
Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.
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