Hartville | Pet Insurance Review

4.7

out of 5

Number of reviews 165

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.
5

out of 5

POSTED: | BY: Rocky Merchant

Having Hartville helped me make the best medical decisions for my pet, without having to stress about finances.

I registered for Hartville right as we got our new puppy - and it was the best decision I've made as a pet owner. Our pup had the unfortunate luck of having an entropian eyelid - which required several vet visits, medication and surgery. Because we had purchased a policy early in ownding him, all of these were covered - which was a huge relief. We've found the plan to be really comprehensive - from our puppies eye surgery, to puppy-related accidents like upset stomach, dog bites from rough play, and hurt paws. Vet care for typical accidents is still very expensive, so we were so relieved we could rely on Hartville. Filing claims were really easy as well, and I was always reimbursed within 2 - 3 weeks.
5

out of 5

POSTED: | BY: Joshua Evans

They were easy and great to work with.

They have all different types of insurances to buy for your pet. I had a claim and they were very easy to work with. I submitted my claim 3/13 and was finished/received everything by 4/23. Excellent service Thank you
5

out of 5

POSTED: | BY: Elaine Paynter

Hartville Pet Insurance is the best and processed my claim in a very timely fashion.

My 3 year old Rottweiler had TPLO surgery back in February. After all was said and done she is recovering nicely. Hartville Pet Insurance was there for me and processed my claim quickly. I have the plan that pays 90% and was very glad that I had it. Being retired and on a fairly fixed income it took me awhile to save up the money for the surgery. It was wonderful to have so much of that money returned to me. Everyone with a pet needs to have pet insurance and I highly recommend Hartville Pet Insurance,
5

out of 5

POSTED: | BY: Leslie

Reliable company

Claims are handled promptly. The amount that they allow for different procedures are fair. The company cares about the health of your pet.
5

out of 5

POSTED: | BY: Ken Nelson

Refunded more than we asked - that tells me you know your stuff and follow through with integrity.

The electronic filing was good but, I have to admit that the first attempt did not take and it was not evident to me why it didn't work. I'm colorblind and often find on many sites that I don't see the red text to change or the subtle tint change of a block. I need a bunch of asterisks to help things jump out.

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.

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