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Hartville Pet Insurance Review

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The Hartville Pet Insurance program provides pet health insurance plans for cats and dogs in the US. It is a brand provided by Crum & Foster Pet Insurance GroupTM that was founded in 1997.
 
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How is Hartville rated?

Breakdown

3.5/5
Coverage
3.5/5
Cost
3.5/5
Extras

Overall Rating: 3.5 / 5 (Very good)

Hartville Pet Insurance plans have excellent coverage at very competitive prices. The Complete Coverage® plan includes accidents, illnesses, hereditary conditions, and behavioral issues, among others. They also offer Accident-Only Coverage, and additional basic and premium preventive care at an additional cost, to ensure your pet is covered. Customers can get a free quote online and can choose the plan’s annual limit, percentage of reimbursement, and annual deductible to design the plan that best fits their needs.

Online enrollment is available 24/7, or over the phone, and customers can enroll pets as young as 8 weeks old. Claims can be filed by mail, fax, or through the company’s online portal, which is flexible and highly convenient, although the claim process can take between 14-16 days, which is longer than other companies reviewed by us. However, it should be noted that there are many positive reviews on different outlets regarding the company’s products and outstanding customer service. Additionally, discounts are available for each additional pet, after your most expensive pet, enrolled with the company. All things considered, Hartville Pet Insurance is a great option for those who want to insure their pet’s health, at an affordable price.

Hartville Coverage

Coverage - 3.5 / 5

Hartville Pet Insurance program has affordable pet insurance plans, with great features. The company’s Complete CoverageSM plan is designed to cover accidents, illnesses, hereditary conditions, behavioral issues, alternative treatments such as acupuncture and hydrotherapy, advanced treatments like chemotherapy and stem-cell therapy, exam fees for covered conditions, cost of diagnostics, and treatment.

They also offer Accident-Only Coverage, which is designed for those who only want pet insurance for when their pet gets hurt. The Accident-Only Coverage includes exam fees for covered conditions, costs of diagnostics, and treatment for accidents like broken bones, toxic ingestions, and cuts, among others.

Coverage for accidents, illnesses, ligament issues, and knee conditions starts on the 15th day after the policy’s effective date. It should be noted that neither coverage options include pre-existing conditions, cosmetic procedures, breeding costs, or preventive care. For all exclusions, terms, and conditions visit www.hartvillepetinsurance.com/terms. However, customers have the option to add basic or prime preventive care to their plan for an additional fee, which includes dental cleaning, vaccines, and wellness exams, among other things.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 3.5 / 5

The Complete CoverageSM plan offers great benefits that can be tailored to your needs. You can choose an unlimited annual limit, which allows you to visit any veterinarian, specialist, or emergency clinic of your choice, as many times as you need in a year, without caps. The Complete Coverage plan also includes alternative treatments, and advanced treatments like chemotherapy, which is great, since some competitors plans offer these separately.
Benefit Limit Types
Annual
Unlimited

Reimbursement & Deductibles

Reimbursement - 3.5 / 5

Hartville Pet Insurance allows you to customize your reimbursement percentage. You can choose to be reimbursed 70%, 80%, or 90% of your veterinary bill, and the percentage of covered costs will be paid back to you, once your deductible is satisfied. The higher the reimbursement percentage, the higher your monthly premium will be, but you’ll also get a higher payout for covered claims.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 3.5 / 5

Like most pet insurance companies, Hartville Pet Insurance allows you to choose the deductible that best fits your budget. Values can be set at $100, $250, and $500. The lower the deductible value, the higher your monthly premium will be, and vice versa.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Hartville cost?

Cost - 3.5 / 5

Since the Hartville Pet Insurance program provides customizable plans with different annual limits, reimbursement percentages, and annual deductibles, customers have the flexibility to choose the plan that best fits their financial needs. Additionally, the company offers a 10% discount for each additional pet insured after your most expensive pet, which is great for those who want to make sure all their pets are safe, without breaking the bank.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$34.67
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$14.48
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts: Hartville Pet Insurance offers a 10% discount on the base plan premium for each additional pet, after your most expensive pet, insured with the company.

Enrollment & Waiting Periods

Enrollment - 3.5 / 5

Hartville enrolls pets as young as 8 weeks old, and there is no upper age restriction. You can also enroll pets with pre-existing conditions, although pre-existing conditions won’t be covered by their plans. Customers can request a free quote online by providing their email and zip code, and their pet’s type, gender, breed, and age. The company offers 24/7 online enrollment, and over the phone enrollment. Preventive care has no waiting period. However, coverage for accidents, illnesses, ligament issues, and knee conditions starts on the 15th day after the policy’s effective date.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 3.5 / 5

Hartville Pet Insurance’s claim process is pretty straightforward. You can file a claim online, through the member’s portal, by mail, or fax. On average, it takes the company 14-16 days to process a claim and send a reimbursement, which is relatively slow compared to other companies reviewed by us. However, it should be noted that the company has an excellent 9.0 score on TrustPilot, with significant positive reviews regarding the company’s products and service.
Advertised Response Time
14-16 business days
Claim Form
Mail
Fax
Online Portal

Contact & Additional Information

Homepage URL
https://www.hartvillepetinsurance.com/
Headquarters Address
1208 Massillon Road, Suite G 200, Akron, OH, 44306
Year Founded
1997

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Customer Comments & Reviews

Loading Reviews ...
rhall37735

4/21/2021
I just made my first claim. It will basically cover the deductible. My puppy had something get in his eye. I took him to the emergency room and they checked his eye, washed it and gave me a prescription. The cost was a little over $250. Its been about 3 weeks since I made the claim. I included a description of the injury plus the detailed vet bill. I got a response yesterday that they needed to get in touch with the veterinary clinic before making their decision about the claim. What? I am most likely going to drop them and buy one of the competing products. What's it going to be like if something serious happens if it is this difficult on a straight forward simple claim?

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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