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.
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.
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.
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.
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.
Use Any Vet
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
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.
Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.
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).
Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
Exam Fees for a Covered Occurrence
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
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.
Coverage includes chemotherapy and radiation treatment.
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.
The plan covers infections, cancers and other illnesses that are typically not genetic.
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.
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.
A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
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.
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.
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.