Hartville Pet Insurance Review

Learn More

on Hartville’s secured website

Editorial Rating

4.40

Editorial Rating

What we like:

Simple reimbursement plan

Monthly Premium	$8 – $80
Deductible	$100, $250, $500
Benefit Limits	$5,000 per claim
Coverage	Accidents, illnesses, testing for covered conditions, hereditary conditions, dental disease, and knee & ligament injuries

See how Hartville compares to our top rated pet insurance companies

Compare Pet Insurance Companies

Pet insurance is a valuable financial asset for the animals that live with you and provide companionship. In fact, over half of all pet owners consider their pet to be part of the family. That means if your pet gets sick or injured, you’ll want the best care possible for them, and that can get expensive quickly.

Pet health insurance helps cover the costs of veterinary care for your pet, including surgeries, emergency care, and even regular check-ups and immunizations to keep them safe.

Hartville Pet insurance is among the companies offering insurance for your pet. Part of Crum & Forster Pet Insurance Group, Hartville is one of the original pet insurance providers. They continue to focus on only offering security for you and your pets. Many veterinary expenses are unexpected, and Hartville is one pet insurance company that can help you cover those costs.

Hartville’s Simple Reimbursement Plan

One of the easiest insurance coverage plans that Hartville offers is its Complete Coverage Plan. Under this policy, Hartville covers “the same costs that you’d expect your own health coverage to take care of if you were hurt or sick.” That includes treatment of injuries after an accident, such as emergency care, hospitalization, and exam fees, as well as any necessary medications.

The company’s Complete Care plan also covers illnesses, including long-term or expensive issues such as hypothyroidism, diabetes, or cancer, many of which have costly treatments. Preventive veterinary care is also covered with an optional rider, including well pet visits, immunizations, and any dietary prescriptions or supplements that your pet needs.

The plan reimburses you a percentage of the costs based on your vet bills, based on the level of plan you sign up for. You could see 70 percent, 80 percent, or even 90 percent of your costs reimbursed. Like your own health insurance policy, you’ll have an annual deductible in amounts such as $500, $250, or even just $100. Annual coverage limits start at $5,000 with an unlimited maximum payout limit. You can choose the annual limit when you enroll.

There is a 14-day waiting period for diagnosis, treatment, and surgery when it comes to illness and ligament and knee issues.

Hartville Preventive Plan

If you’re only looking for an insurance plan for everyday preventive care, Hartville offers Basic Preventive Care and Prime Preventive Care plans that cover annual exams, vaccines, and other regular costs for maintaining your pet’s health. The plans are optional add-ons to their regular plan and come in three iterations. The Prime insurance plan covers care from routine dental cleanings and deworming to blood and fecal tests, immunizations, and dietary supplements.

The Basic plan, on the other end of the cost spectrum, covers the same procedures but reimburses at a lower rate. Annual dental care and spay/neuter procedures, for instance, are reimbursable up to $100 with this plan, as opposed to $175 with the higher Prime plan.

Hartville also offers accident-only coverage for illnesses, accidents, behavioral problems, and hereditary conditions. Accident and illness coverage has no waiting period, except for ligament and knee problems.

How Much Does Hartville Pet Insurance Cost?

Starting at just $10 per month for partial coverage and $16 for complete coverage, Hartville pet insurance can be an affordable pet insurance option for pet owners. Just like regular health or life insurance costs are based on your risk factors, pet insurance costs depend on the species of animal, their breed, location, and age.

>> Read More: Is Pet Insurance Worth the Cost?

A young house cat, for instance, would probably cost less to insure than a large breed dog used for guarding livestock or personal protection. Before choosing a policy, you’ll want to talk to a Hartville representative to see what the costs would be for your specific pet.

Are There Any Exclusions for Hartville Pet Insurance?

Hartville is one of the more extensive pet insurers, but there are a few exclusions. If your pet has a pre-existing condition, for instance, Hartville might elect not to insure them. Optional expenses, such as breeding costs, are also not covered. Cosmetic procedures are also excluded from coverage.

Bottom Line

Hartville, as a leading insurer, is generally considered to be a solid insurance provider.

Before signing on to any policy for your pet, however, make sure that you research several different companies and understand what their coverages and costs are. You should always read the fine print and comparison shop before choosing a provider. Ask questions, and don’t forget to read reviews from real customers. You will see what others’ experiences are with that company. When you’re stressed and worried about your pet, your insurer’s customer service might make all the difference.

Owning a pet means being able to experience all the joy that an animal can bring to you and your family’s life. But it can also be expensive if your pet gets sick, has genetic medical problems, or is injured somehow. Pet insurance can help cover those costs, and in some cases, make it affordable to help extend your pet’s life.