Pet Insurance Reviews

Hartville Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated May 30, 2024 | 14 min read
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283 Consumer Reviews

Trustpilot, October 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Lowest Price For Dogs

$12.28 / month

Lowest Price For Cats

$9.83 / month

Monthly Payment Processing Fee


One-Time Enrollment Fee


Coverage Options

Annual Deductible

$100 - $500

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

$2,500 - $5,000

Waiting Periods


14 days


14 days

Cruciate Ligament Injuries

14 days

Orthopedic Conditions

14 days

Filing a Claim

File Claims 

website, mobile app, email, mail, or fax

Claim Expiration 

270 days

Average Claim Reimbursement 

9 days

Enrollment Requirements

Minimum Age at Enrollment 

8-weeks old 

Medical Review 

when filing claims

Residency Requirement 

Your pet must reside with you at your primary address in the United States or Canada

Hartville Pet Insurance offers affordable plans with great coverage to all dogs and cats in the United States with no upper age limit for enrollment. From unexpected illnesses to accidental injuries, and optional coverage for routine care, Hartville ensures that your pet can always receive the best medical care without placing a strain on your finances.


  • Annual deductibles as low as $100
  • Easy to file claims and manage account
  • 270 days to submit a claim before expiration
  • Will not raise the price of your policy for filing a claim
  • 30-day money-back guarantee
  • Discounts for multi-pet enrollment
  • Coverage for pre-existing conditions after no signs of related symptoms have been noticed in 180 days


  • Cannot pay the vet directly
  • No unlimited coverage option


Hartville Pet Insurance is one of the longest-operating pet insurance brands in the United States, founded in 1997 by the reputable Crum & Forster Pet Insurance Group, which underwrites and administers plans. Plans are designed with a deep understanding of the varied needs of pet owners, offering a wide range of coverage options that can be customized to accommodate specific requirements and budgets.

What's Covered

  • Accidents and illnesses
  • Hospitalizations
  • Cancer treatments
  • Breed-specific conditions
  • Orthopedic conditions
  • Alternative therapies
  • Veterinary exam fees
  • Pet microchipping
  • Poison consultation fees
  • Therapeutic diets
  • Vet-recommended euthanasia
  • Cremation and burial

Optional Add-On: Routine Care

What's Not Covered

  • Cosmetic or elective procedures
  • Advanced dentistry or endodontic treatments
  • Non-prescription food or supplements
  • Obedience training
  • Anal gland expression
  • Complications due to breeding, nursing, or whelping
  • Lost pet advertising and reward
  • Vacation cancellation costs
  • Pre-existing conditions

Routine Care Add-On

Hartville wellness plans give customers the ability to offset the cost of routine care that all pets need to stay happy and healthy. For an additional fee per month, you can get reimbursed for the following list of services up to the specified benefit amount.

Get reimbursed up to the following amounts:

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 Preventative Care

Dental Cleaning or Spay/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

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Waiting Periods

All pet insurance companies require you to wait a predetermined amount of time before your policy coverage takes effect. Waiting periods vary by insurance carrier, and some set different time frames depending on the type of vet visit. Hartville has a straightforward, 14-day waiting period for all services, which is faster than many other companies. Wellness coverage is effective immediately.

  • Accidental injuries: 14 days
  • Cruciate ligament injuries: 14 days
  • Unexpected illnesses: 14 days
  • Orthopedic conditions: 14 days
  • Wellness coverage: 0 days

See how much Harrtville Pet Insurance costs for your pet

How it Works

Hartville Pet Insurance works by reimbursing between 70% and 90% of your vet bill for covered costs related to your pet's unexpected illnesses and injuries. You can use your insurance coverage at any licensed vet

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1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.

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2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.

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3. File a Hartville Pet Insurance claim through their app, email, phone, or fax.

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4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

How to File an Hartville Pet Insurance Claim

Hartville makes it easy to file a pet insurance claim online, via app, or by mail, fax, or email. To submit a claim, you'll need the following information:

  1. Your name, address, contact information, and signature on the claim form.
  2. A description of the condition and treatment you are claiming.
  3. All applicable receipts including an itemized breakdown of the fees incurred.

Hartville offers a generous amount of time to file after the date of the vet visit, with up to 270 days before claim expiration. Optional direct deposits mean you can get reimbursed quickly and save you the hassle of going to the bank after receiving a check in the mail.

  • Window to File: 270 days
  • Average Claim Reimbursement: 9 days
  • Maximum Time for Reimbursement: 30 days
  • Reimbursement Methods: direct deposit or check

Hartville Pet Insurance Cost

Hartville Pet Insurance costs less than many other companies you might consider, with monthly rates starting around $12 for dogs and $10 for cats.

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Lowest Price for dogs:

$12.28 / mo

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Lowest Price for cats:

$9.83 / mo

Sample Prices

Estimated Hartville Pet Insurance costs are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $5,000 annual coverage limit generated for pets living in Dallas, Texas.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Get 10% off your premium rate for enrolling multiple pets
  • Save $24 per year in monthly processing fees when paying for your plan annually

Customer Service

Hartville customer service is commendable, always ready to guide pet parents through filing a claim. They also make it easy to manage your account through the online Member Center, where you can submit and track claims, pay bills, locate vet clinics, and update your policy. You can also download the app for easy account management on the go.

Monday - Friday: 9:00 AM to 6:00 PM EST

Saturday: 9:00 AM to 5:00 PM EST

Sunday: 11:00 AM to 3:00 PM EST

 Phone: 1‑888‑716‑1203


Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Records are requested at the time the first claim is filed
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider

Cancellation Policy

The Hartville Pet Insurance program has next-day cancellation with a pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing a 60-day notice to the insurance company.

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Expert Insights

Is Hartville Pet Insurance good?

"In our Hartville Pet Insurance review, we found that customers love how they can use their insurance policy at any licensed vet in the U.S. without dealing with network restrictions or referrals. Enrollment is available to all pets at least eight weeks old, unlike other companies with eligibility restrictions for senior pets.

If you're interested in advanced, alternative, or holistic veterinary care, then Hartville may be a great option for you. The Complete Coverage plan includes costs related to services such as stem-cell therapy, acupuncture, hydrotherapy, and more, which are commonly excluded elsewhere.

Finally, we love that Hartville will cover pre-existing conditions if no symptoms have been present for 180 days and orthopedic conditions can be covered in as little as two weeks, considering other carriers often implement waiting periods of 6 months or more."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Hartville Pet Insurance Reviews


283 Consumer Reviews

Peace of Mind

I bought insurance for our new puppy because my wife wanted it. I only needed basic, just in case. I liked the options that you gave and it’s for piece of mind, just in case we need it for a major surgery. I expected it to cost more, nice surprise.

Tom Doonan
October 12, 2023

Good Service

For the most part the claims are processed quickly and I never have any trouble putting through my claims. My dog is really sick right now and it helps to have this coverage even though it won't be sufficient to cover the whole surgery.

Jenn Szutu
October 12, 2023

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 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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