General InformationHow Much Does It Cost?Good Information To KnowCustomer ServiceDiscount OpportunitiesWhat's CoveredWellness AddonsClaims ReimbursementCancellation InformationPre-existing conditions

Hartville Pet Insurance Information

Hartville Pet Insurance logo
The Hartville Pet Insurance program is known for quality coverage and service, allowing customers to self-manage their membership profiles and insurance accounts online. Hartville is one of the longest-operating insurance brands in the U.S. The company prioritizes community outreach, supporting many animal charity organizations.
General Information
How Much Does It Cost?

General Information


Discounts: Save 10% on each additional pet you enroll after the first pet in Hartville Pet Insurance.

Money back guarantee for 30 days if no claims are processed.

Customer Service: The Hartville Pet Insurance program has a Member Center where you can submit and track claims, pay your bills, locate vet clinics, and view and update your policy.

Lets you choose your own vet.

Will not raise the price of your policy after you file a claim.

Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?


Pet insurance prices for Hartville Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare Hartville to other leading pet insurance brands for free.
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Good Information To Know










Customer Service








Discount Opportunities



What's Covered

Accident-Only Coverage
Complete Coverage

Use Any Vet

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.

Supplements For Covered Conditions

Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

Poison


Exam Fees

Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.

Alternative Therapies


Emergencies

Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
X-Rays
Ultrasound
Blood Tests
Urinalysis
Exam Fees for a Covered Occurrence
Surgery
Hospitalization

Dental

Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning

Prescribed Foods + Medication


Cancer

Coverage includes chemotherapy and radiation treatment.

Breed-Specific Conditions

Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.

Illnesses

The plan covers infections, cancers and other illnesses that are typically not genetic.

Other

Stem Cell Therapy

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.

Wellness Addons


Basic Preventive Care

Dental Cleaning

$100

Wellness Exam

$50

Deworming

$20

DHLPP Vaccine/Titer

$20

Rabies or Lyme Vaccine/Titer

$20

Fecal Test

$20

Heartworm Test

$20

Health Certificate

$0

Flea/Heartworm Prevention

$0

Bordetella Vaccine/Titer

$0

Blood Test

$0

Urinalysis

$0

Prime Preventive Care

Dental Cleaning or Neuter

$150

Wellness Exam

$50

Deworming

$25

DHLPP Vaccine/Titer

$25

Rabies or Lyme Vaccine/Titer

$25

Fecal Test

$25

Heartworm Test

$25

Health Certificate

$25

Flea/Heartworm Prevention

$25

Bordetella Vaccine/Titer

$25

Blood Test

$25

Urinalysis

$25

What's Not Covered


for full list of terms and exclusions visit hartvillepetinsurance.com/terms.

Claims Reimbursement


To submit your claim, the following information is needed:
Your name, address, contact information, and signature on the claim form. A description of the condition and treatment you are claiming. All applicable receipts including an itemized breakdown of the fees incurred.



Cancellation Information


The Hartville Pet Insurance program has next-day cancellation with pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing 60-day notice to the insurance company.
The Hartville Pet Insurance program renews policies and has continuous coverage over the lifetime of a pet so long as the pet owner does not break the rules of ASPCA's contract.

Pre-existing conditions


The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is Hartville Pet Insurance latest definition:
Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. A condition will no longer be considered pre-existing if your pet's condition has been cured and free from treatment and symptoms for a period of 180 days. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit hartvillepetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Illness and accident coverage reimbursements are based on the invoice. Products, schedules, 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. Crum & Forster Enterprise is a part of Fairfax Financial Holdings Limited. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.
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