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Pet Insurance

Comprehensive coverage options
Optional preventive care plans
Flexible coverage and customization
No maximum age limits
Nationwide availability

Slow claims processing

Pet insurance helps cover your pet’s veterinary costs, including surgeries, emergency care, regular check-ups, and immunizations.

Hartville is among the pet insurance providers you may consider. Part of Crum & Forster Pet Insurance Group, Hartville is one of the original pet insurance providers. It continues to focus on offering security for you and your pets.

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Complete coverage plan
Preventive plans
Policy costs
What’s not covered

Complete Coverage plan

The best plan Hartville offers is its Complete Coverage plan.

What’s covered

Under this policy, Hartville covers “the same costs 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, exam fees, and necessary medications.

The company’s Complete Coverage plan also covers illnesses, including long-term or expensive issues such as hypothyroidism, diabetes, and cancer. Preventive veterinary care is also covered with an optional rider, including well-pet visits, immunizations, and dietary prescriptions or supplements.

Reimbursement & costs

The plan reimburses you a percentage of the costs based on your vet bills and the plan level you sign up for. Like your own health insurance policy, you’ll have an annual deductible.

Term	Options
Reimbursement percentage	70%, 80%, or 90%
Deductible	$100, $250, or $500
Annual coverage limits	$5,000 – Unlimited

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

>> Learn more about Hartville Complete Coverage on its website.

Hartville Preventive Plans

If you’re looking for an insurance plan for everyday preventive care, Hartville offers Basic Preventive Care and Prime Preventive Care plans. These cover annual exams, vaccines, and other regular costs for maintaining your pet’s health.

The plans are optional add-ons and come in three tiers:

Plan	Covers
Accident-only [Good]	Accidents, behavioral problems, and hereditary conditions (no coverage for illnesses)
Basic (add-on) [Better]	Routine dental cleanings, deworming, blood & fecal tests, immunizations, and dietary supplements
Prime (add-on) [Best]	Same as Basic but reimburses at a higher rate

Hartville’s accident-only coverage has no waiting period except for ligament and knee problems.

How much does Hartville pet insurance cost?

Starting at just $10 per month, Hartville pet insurance can be affordable for pet owners. As health or life insurance costs are based on your risk factors, pet insurance costs depend on the animal species, breed, location, and age.

A young house cat, for instance, might cost less to insure than a large-breed dog that guards livestock. Before choosing a policy, talk to a Hartville representative to see the costs for your pet.

Is Pet Insurance Worth the Cost?

Exclusions for Hartville pet insurance

Hartville pet insurance has several exclusions. If your pet has a pre-existing condition, it won’t be covered. Optional expenses, such as breeding costs and cosmetic procedures, are also excluded from coverage.

Before signing on to any policy for your pet, make sure to research several companies and understand their coverages and costs. Always read the fine print and comparison shop before choosing a provider.

Ask questions, and don’t forget to read reviews from real customers to 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.

Ready to get Hartville pet insurance? Check out its website.

View Rates

Deductible: $100 – $500
Reimbursement: 70% – 90%
Benefit limit: $5,000 – Unlimited