Hartville Pet Insurance for Dog & Cat

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 for accident and injury only ($2,500-Unlimited)
• Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($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 for both accidents and illnesses ($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 with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
• Dietary Supplements Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
• End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
• 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 If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
• 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 both accidents and illnesses ($2,500-Unlimited)
• Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Organ Transplants
• Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
• Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
• 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.