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Hartville Pet Insurance Review

10 people say

Ease of use

Brand satisfaction

Value for money

Service quality

10 reviews

In a Nutshell

The Hartville Pet Insurance program offers excellent customer service and customizable insurance options, including exams, diagnostics and treatment for your furry friend. You choose your deductible and it’s possible to add more comprehensive options.

pros

  • Reimbursements of 70%, 80%, or 90% by direct deposit
  • High annual coverage limits with choices up to unlimited

cons

  • 14-day waiting period (accident, illnesses, ligament, and knees)
  • Pre-existing conditions not covered

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Highlights

  • Free online quote available in seconds
  • Customizable coverage options
  • Simple, online self-service with the Member Center
Hartville Pet Insurance

What's Covered?

Hartville Pet Insurance’s recommended plan covers exams, diagnostics, and treatment when your pet gets hurt or sick. It’s a complete package for all kinds of incidents that could occur throughout your pet’s life – from minor ones to serious ones, common ones to rare ones.

You have the option to add coverage for preventive care to your plan for a little more per month. If you add this extra coverage, you’ll be reimbursed a set amount for services that help protect your pet from illnesses, like vaccines and screenings. You also have the option to choose Accident-Only Coverage, which takes care of exams, diagnostics, and treatment just when your pet gets hurt.  

What are the Limits and Deductibles?

Hartville Pet Insurance plans allow you to select your annual coverage limit, with options from $5,000 to unlimited. The limit resets every year. 

You also get to choose your annual deductible. You have choices of $100, $250, or $500.

The optional preventive care coverage does not have a deductible. Reimbursement for covered preventive services can start immediately and are based on a schedule. 

Value for Money

Care for certain conditions can lead to thousands of dollars in vet bills. Hartville Pet Insurance offers high annual coverage limits so that you can have coverage available for your pet. Because this coverage can be customized, you can get the coverage limit you need at a rate that works for you.

Age Limits

Dogs and cats 8 weeks and over are eligible for coverage. No pet is too old to be covered with a Hartville Pet Insurance plan. However, your premium will increase as your pet ages.

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The Fine Print: What’s not covered

Like all pet insurance plans Hartville Pet Insurance plans have some exclusions.  The plan includes pre-existing conditions, cosmetic procedures, and breeding costs.

It defines a pre-existing condition as a health problem that occurs before your coverage begins or during a waiting period. It’s important to note that coverage for addicents, illnesses, ligaments issues, and knee conditions starts on the 15th day after your policy’s effective date. If a knee and ligament condition occurs before the coverage effective date or during a waiting period, any future ones won't be covered. 

Some examples of cosmetic procedures are ear cropping or claw removal. Breeding costs refer to expenses associated with pregnancy.

Summary

Insuring your pet with Hartville Pet Insurance is fast and easy. This provider strives to provide the best coverage while keeping the cost low for pet parents. The plan options are flexible, there is excellent customer support, and a modern online experience.


Disclosure:

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit https://www.hartvillepetinsurance.com/more-informaton/sample-plans/. Products, rates and discounts may vary and are subject to change.

Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

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Our editorial staff is comprised of writers who are knowledgeable about online consumer services. We specialize in simplifying the process of choosing the right pet insurance provider for your needs.

Hartville customer reviews

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07 Apr 2020

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Top reviews

B*e, IN
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

I gave Hartville the overall rating because it is the best for pet insurance. I like everything about it, as of now, I have no issues with the insurance.

S****t, CA
2 months ago

Company with great people and great potentials. Our dog's procedures have been covered by Hartville and we are grateful for that.

M*****e, FL
2 months ago

The plan is a little hard to understand, even with searching through site. It came with the animal so that why I have it.

J**e, IN
3 months ago

I like the insurance. It gives me piece of mind for my dogs in case they become ill or get injured. It covers some things but not others.

M*x, CA
3 months ago

I like how much time they will spend on customers. Overall it's a satisfactory experience and our pets have benefited

M***a, SC
3 months ago

It's a little pricey but worth it to have pet insurance. I've had no issues with using it.

A***r, FL
5 months ago

Because a couple time now they have really helped me out big-time where that bill would have completely ruined me, but the insurance is also kind of pricey also

A***e, HI
a month ago

Haven't had to use it much, but so far I have been satisfied, have not had any issues and have always been able to be sure that my pet is taken care of.

S***t, OH
2 months ago

It is decent pet insurance, but there is definitely better. I don't think there is enough coverage offered. Hence why nothing was above 6 stars.

N***y, RI
5 months ago

Average, don't dislike but also don't completely love. It has a little bit of good and bad. Pros and cons

10 reviews