5
out of 5
POSTED: | BY: Ed Gorman
Great customer service.
Love their staff and the ability to submit claim paperwork online is a time saver. I am happy with their coverage and turnaround on claims.
4.7
out of 5
Number of reviews 164
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: Angela B.
This pet insurance has saved us tons of money
We are so glad that we decided to get pet insurance for our 7 year old rescue dog. We've spent thousands of dollars on our dog in the last 8 months! and luckily our Hartville policy reimburses 90% of eligible costs after a $250 deductible. Two weeks after having him he started to limp and we've been to the vet 10+ times to x-ray him, diagnose him, see specialists and manage his pain meds. He's had a UTI, and yesterday got bit by a dog gone wild. You never know what can happen and we're so happy with Hartville's easy claim submittal process and payments. The first few payments took about 6 weeks but the rest have been approved and processes in as little as 2 weeks. My only complaint is that the web portal does not let me sign up for direct deposit so I have to wait for checks to be mailed to me.
5
out of 5
POSTED: | BY: Rebecca
Thank you Hartville!
Hartville was slightly delayed processing my initial claim. I called and immediately was connected to a very helpful employee who promised to expedite my case and surely did! The claim was processed within 3 days and since that day all of my other claims have been quick. It’s been hassle free and I can always get help if needed.
5
out of 5
POSTED: | BY: Laura Maltin
Insurance gave me more years of love with my precious fur babies - was able to the medical care they needed.
I have had cats and dogs using this pet insurance for I believe 10 plus years. From cardiac issues with a large dog and multiple medical issues in my cats, having insurance allowed me to get them the best medical attention to treat them. I was able to have my fur babies in my life for many more years, knowing I could get some financial reimbursements for all of the veterinary costs. Read the policy to understand how it works from year to year. Their turn around time for reimbursement is generally around 30 days. You have to follow up with your vet to make sure they have submitted your pet's records timely to enable the insurance company to get a reimbursement to you within that time frame.
5
out of 5
POSTED: | BY: Laura Maltin
Insurance gave me more years of love with my precious fur babies - was able to the medical care they needed.
I have had cats and dogs using this pet insurance for I believe 10 plus years. From cardiac issues with a large dog and multiple medical issues in my cats, having insurance allowed me to get them the best medical attention to treat them. I was able to have my fur babies in my life for many more years, knowing I could get some financial reimbursements for all of the veterinary costs. Read the policy to understand how it works from year to year. Their turn around time for reimbursement is generally around 30 days. You have to follow up with your vet to make sure they have submitted your pet's records timely to enable the insurance company to get a reimbursement to you within that time frame.
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.