Hartville Pet Insurance Information & Review: Everything You Need To Know

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General Information
How Much Does It Cost?

General Information

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.

The Hartville Pet Insurance team works to “define and redefine” quality coverage with new and improved plans for pet parents complemented by a transparent enrollment process.

Founded in 1997 by Crum & Forster Pet Insurance Group, Hartville Pet Insurance furthers its mission through onsite volunteering, hosting fundraisers for pet shelters, and organizing donation drives.

C&F Insurance Agency, which has operated as a trusted provider in the U.S. since the 1990s, administers Hartville Pet Insurance policies. In 2013, PetPremium began administering Hartville’s policies.

What kinds of pets are eligible for Hartville Pet Insurance?

The Hartville insurance company provides dog insurance and cat insurance plans to cover your pet’s unexpected veterinary bills and treatment costs for all types of incidents that could occur throughout your pet’s life. All domestic dogs and cats (except exotic animals) in the U.S. are eligible for the Hartville Complete Coverage plan.

What insurance plans are available through Hartville Pet Insurance?

Hartville Pet insurance provides health insurance for the unexpected through their complete coverage plans. Plans include pet insurance for dogs and pet insurance for cats. Their Complete Coverage plan covers accidents, illnesses, hereditary conditions, and behavioral issues.

In addition to medical insurance for cats and dogs, Preventive Care addons can be purchased for any illness or accident plan. It reimburses you a fixed amount for a list of services that protects your pet for wellness exams, dental cleaning, and vaccines.

Key Takeaways

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 because 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.

Each pet policy is unique, and the cost depends on your pet’s age, breed, location, health condition, and the reimbursement options of the policy you select. Monthly premium ranges from $8 - $82, making it an affordable option for pet owners.

For instance, a dog insurance plan for an 8-year old female Golden Retriever in Illinois cost $81.14 per month while a cat insurance plan for a 2-year old mixed breed male cat in Ohio costs $25.11 per month.

Use Pawlicy Advisor to guarantee the best price and compare Hartville to other leading pet insurance brands for free.

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What makes Hartville pet insurance worth it?

Hartville pet insurance covers exam fees and congenital conditions under the Complete Coverage plan. The complete coverage plan also covers hereditary conditions like hip dysplasia, heart disease, and eye disorders.

There’s a special “Accident Only Coverage” that covers vet bills for diagnostics and exam fees after an accident. Once you’re enrolled, you gain access to the Member Center, where you can customize your insurance plan, locate nearby vet clinics, and submit claims.

The preventive care coverage includes zero payment for spay/neuter, heartworm or flea prevention, blood test, and treatment for canine Bordetella or Feline FELV. These benefits make Hartville worth it for pet parents.

How does the price compare to other plans?

Few pet insurers have more affordable health insurance coverage than Hartville. Their monthly premium starts at $12.28 for dogs and $9.83 for cats. That is lower than the national average of $44.66 for dogs and $27.93 for cats.

If you want more flexible options, you can use Pawlicy Advisor to find and compare a range of Hartville Pet Insurance coverage options with context on why they’d be recommended for you.

Important Information to Know About Hartville Pet Insurance

How good are Hartville's pet insurance reviews?

As of 2020, Hartville reviews have an average rating of 4.7 out of 5 on Trustpilot (from 181 reviews).

*Keep in mind that pet insurance reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation, you can use Pawlicy Advisor’s free policy scanner.

Have an existing Hartville policy? Write a review to help other pet owners.

What to know before investing in Hartville pet insurance

  • Dogs and cats must be at least 8 weeks old. No maximum age limit.
  • 14-day waiting period after your pet policy effective date
  • Conditions that are free of symptoms or treatment for 180 days are not considered pre-existing conditions.
  • No unlimited claims option
  • Low reimbursement reported by customers
  • Can’t make changes to certain items on your plan until the current 12-month period ends and a new one beings.
  • The average timeline for claim repayment is 14-16 days
The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.

When should you consider insurance for your pet?

The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.

Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service

The members of the Contact Center are available to answer questions about coverage, whether you want to enroll or you already have a pet policy. You can reach them via telephone orthrough email.

Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.

Discount Opportunities

How can you receive a discount on Hartville pet insurance

By adding additional pet to your coverage you can take advantage of their multi-pet discount and save 10% on each additional policy.

A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.

What's Covered

Through the Complete Coverage plan, Hartville offers comprehensive pet insurance cover that pays your veterinary bills for unexpected incidents like illnesses and emergencies.

The Complete Coverage plan covers advanced treatment like stem-cell therapy and chemotherapy. It also covers alternative treatments such as hydrotherapy and acupuncture, plus prescription medications and routine annual exam fees.

Hip dysplasia coverage under the Complete Coverage plan is subject to your annual limit selected, annual deductible, and reimbursement percentage.

Like most pet insurers, pre-existing conditions and elective procedures like breeding costs and cosmetic procedures are excluded.

List of treatment and conditions covered by Hartville Pet Insurance plans

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.



Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests
Exam Fees for a Covered Occurrence

Alternative Therapies

The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).

Exam Fees

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


Supplements For Covered Conditions

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

Vet Labor

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


Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Dental Coverage for Periodontal Disease
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Foods prescribed by your veterinarian for general health maintenance or prevention.

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.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Knee Injury


Coverage includes chemotherapy and radiation treatment.


Stem Cell Therapy
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Reimbursements for advertising costs for a lost pet.
Reimbursements for offering a reward for a lost pet.
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.

*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.

Routine Care Addons

You have the option to add Preventive Care and Accident-Only coverage to your insurance plan for a little more per month.

You get reimbursed for expected vet bills like vaccines, wellness exams, and dental cleaning. Wellness Addons are split into Basic Preventive Care and Prime Preventive Care.

Preventive Care works off a schedule of benefits. That means Hartville decides how much to pay for a selected service. You’ll be responsible for the difference in price out of pocket.

Basic Preventive Care

Dental Cleaning


Wellness Exam




DHLPP Vaccine/Titer


Rabies or Lyme Vaccine/Titer


Fecal Test


Heartworm Test


Health Certificate


Flea/Heartworm Prevention


Bordetella Vaccine/Titer


Blood Test




Prime Preventive Care

Dental Cleaning or Spay/Neuter


Wellness Exam




DHLPP Vaccine/Titer


Rabies or Lyme Vaccine/Titer


Fecal Test


Heartworm Test


Health Certificate


Flea/Heartworm Prevention


Bordetella Vaccine/Titer


Blood Test




What's Not Covered

Like other pet health insurance plans, Hartville has some exclusions to keep prices affordable. Exclusions include:

  • Dental services that are aesthetic, cosmetic, or endodontic.
  • Anal gland expression
  • Breeding and pregnancy
  • Pre-existing conditions that occurred before the effective policy date or during the waiting period.
  • Special diet or supplement.

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

Claims Reimbursement

Claims can be handled via fax, online, or email. For immediate reimbursement, choose a direct deposit, or a check will be mailed to you.

How long might it take for your claim to be reimbursed?

Hartville tries to process claims as quickly as possible. Most claims are processed in 30 days or less. You’ll receive email updates during the claim process, or you can track your claim progress through the Member Center.

What information do you need to submit your claim?

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.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.

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

Pre-existing conditions are not covered by Hartville Pet Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.

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.

Compare Hartville Pet Insurance To Other Top Providers

If you'd like to see how Hartville Pet Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:

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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