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: 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: Laroia VanArsdale

Much needed and affordable

Thankfull this service us available
4

out of 5

POSTED: | BY: Jeff Miller

Great customer service and extremely friendly and caring.

The only reason my rating is an "8" and not a "10" is because of the time it takes to process a claim. My 1st claim took over a month to process and complete and the 2nd hasn't completed yet. Now with that being said, I want to point out the positive. When I originally purchased the coverage, I received a call to thank me for choosing them. And when my bulldog was extremely sick and I took her in for an emergency visit and treatment, as soon as they reviewed my claim I received a phone call following up to check if my bulldog was doing better and asked if there was anything they could do to assist further. They have a genuine sense of caring.
4

out of 5

POSTED: | BY: Jeff Miller

Great customer service and extremely friendly and caring.

The only reason my rating is an "8" and not a "10" is because of the time it takes to process a claim. My 1st claim took over a month to process and complete and the 2nd hasn't completed yet. Now with that being said, I want to point out the positive. When I originally purchased the coverage, I received a call to thank me for choosing them. And when my bulldog was extremely sick and I took her in for an emergency visit and treatment, as soon as they reviewed my claim I received a phone call following up to check if my bulldog was doing better and asked if there was anything they could do to assist further. They have a genuine sense of caring.
5

out of 5

POSTED: | BY: Lisa Ryan

Very Happy With The Service

I'm very happy with the service. They even called after we received the payment to see how Charlie was.
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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 Insurance detail
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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