Hartville offers pet insurance coverage nationwide. Learn about Hartville’s coverage options and policy costs in our detailed review.
Hartville Pet Insurance Review (2024)
Updated:
Feb 1, 2024
Pet health insurance is a financial tool that can help you better prepare for unplanned veterinary expenses. See the type of coverage available and how much it costs with this Hartville pet insurance review.
We at the Guides Home Team have reviewed the best pet insurance companies to help you find coverage for your cat or dog. Hartville pet insurance can hePet health insurance is a financial tool that can help you better prepare for unplanned veterinary expenses. See the type of coverage available and how much it costs with this Hartville pet insurance review.
Our Take on Hartville Pet Insurance
Hartville pet insurance received 4.1 out of 5 stars based on our in-depth provider review methodology for its customizable plans, low deductible options and coverage add-ons. We like that Hartville allows you to mix and match different deductibles, annual coverage caps and reimbursement rates to create a customized policy. Plus, Hartville automatically covers microchip implantation in every plan.
However, Hartville has some drawbacks. It offers a maximum annual coverage limit of $10,000, which is relatively low compared to other providers. Hartville also charges a monthly transaction fee when you pay each month, which makes your plan slightly more expensive.
Pros and Cons of Hartville Pet Insurance
Hartville Pet Insurance vs. Competitors
The table below shows how Hartville Pet Insurance stacks up to its competitors.
Hartville Pet Insurance Plans and Coverage
Hartville offers an accident and illness pet insurance policy, accident-only coverage and two optional wellness care packages.
Accident and Illness Plan
Hartville’s accident and illness plan, or the Complete Coverage plan, includes care and treatment if your pet is unexpectedly injured, experiences an accident or gets sick. Based on our research, this plan costs around $40 to $60 per month for dogs and $20 to $30 for cats. However, your specific price will depend on your pet’s age, breed, species and location.
Hartville’s Complete Coverage plan includes the following:
- Dental illness
- Hereditary conditions
- Behavioral issues
- Cancer treatment
- Diagnostic testing
- Stem cell therapy
- Chronic illnesses
- Congenital conditions
- Alternative therapies
- Rehabilitation
- Hospitalization
- Microchipping
- Surgery
- Physical exams
- Dental extractions
- Prescription medications
- IV fluids
- X-rays, MRIs and CT scans
- Ultrasounds
- Medical supplies
- End-of-life expenses
Accident-Only Plan
Hartville’s accident-only plan is a solid option for pet owners seeking coverage for their pet’s unexpected injuries. It doesn’t cover any costs associated with illnesses. This plan typically costs around $25 per month for dogs and $13 for cats, based on quotes we gathered.
The accident-only policy covers the following:
- Microchip implantation
- Alternative therapies
- Prescription medications
- IV fluids
- MRIs, CT scans, X-rays and ultrasounds
- Tooth extractions
- Surgery and hospitalization
- Physical examinations
- Poison control consultation fees
- Accidents
- Broken bones
- Bite wounds
- Abscesses
- Lodged foreign objects
- Toxic ingestions
- Cuts
Preventative Care Plans
Hartville offers two preventive care plans to help you pay for your pet’s routine veterinary needs: Basic Preventative Care and Prime Preventative Care. You can add this coverage to your policy for an extra cost each month.
While the basic wellness plan includes services like vaccines, dental cleanings and wellness exams, the prime package adds spay and neuter surgery, among other coverages. There is no waiting period for either plan, so you can start using your coverage immediately.
Rather than a deductible, both plans operate using per-item coverage limits. In other words, you will have a specific limit for each type of treatment. Your specific Hartville policy should outline the per-item limit for preventative care costs.
Hartville Coverage Levels
Like most other pet insurance providers, Hartville allows you to customize your policy by selecting an annual deductible, coverage limit and reimbursement rate. Your selections will help determine how much you pay for pet insurance, as well as how much you receive after filing a claim.
Deductible Options
A deductible is an amount you must pay out of pocket before Hartville starts covering costs. So if you have a $500 deductible, you have to pay $500 to activate your insurance coverage. The lower your deductible, the higher your monthly premium will be and vice versa.
When building your pet’s plan, you can choose from deductibles of $100, $250 or $500.
Reimbursement Rates
Along with customizable deductible options, Hartville offers a selection of reimbursement rates. Your reimbursement rate determines what percentage of submitted veterinary bills your provider will pay you back.
Hartville offers the following reimbursement percentages: 70%, 80% or 90%.
Annual Limit Options
You can also customize your policy’s annual coverage limit or the maximum amount your provider will cover in vet bills each year. Hartville offers coverage limits of $2,500, $4,000, $5,000, $7,000 or $10,000.
Hartville Pet Insurance Exclusions
Like other pet insurance providers, a pet insurance policy with Hartville will not cover every accident, illness and related treatment. Here are some of its coverage exclusions:
- Incurable preexisting conditions
- Breeding costs
- Grooming services
- Prescription pet food
- Elective or cosmetic procedures
While Hartville does not cover incurable preexisting conditions, it does extend coverage to curable conditions. If your pet remains symptom- and treatment-free for at least 180 days, the company will no longer consider a condition as preexisting. Ligament and knee conditions don’t qualify for this policy.
Hartville Waiting Periods
A waiting period is a set time frame at the beginning of your pet insurance policy before your coverage kicks in. All pet insurance companies have waiting periods that can vary in length depending on your plan.
Hartville’s waiting periods are 14 days for accidents, illnesses and orthopedic conditions. Your pet is not covered if an accident or illness occurs during your waiting period.
Hartville Pet Insurance Costs
To give you a better idea of how much Hartville Pet Insurance costs, we gathered the below sample quotes for a 1-year-old pet in Austin, Texas. We selected a $10,000 annual coverage limit, a $250 annual deductible and an 80% reimbursement rate for the accident and illness and accident-only plans. Wellness costs are based on the Prime Preventive Care package.
| Policy Type | Average Cost for a Medium Mixed-Breed Dog | Average Cost for a Golden Retriever | Average Cost for a Shorthaired Cat |
|---|---|---|---|
| Accident-only | $23.27 | $23.27 | $13.84 |
| Accident and illness | $36.85 | $50.21 | $18.15 |
| Accident and illness with preventative care add-on | $61.80 | $75.16 | $43.10 |
Discounts and Deals
Hartville offers a multi-pet discount to help you save on policies for more than one furry family member. You’ll automatically get 10% off at checkout when you enroll additional pets.
You can also opt to pay annually instead of monthly, which can help you avoid Hartville’s $2 monthly transaction fee. This will save you $24 per year, and you can get your premiums out of the way upfront.
Hartville Pet Insurance Reviews
To give you a better idea of customer experience, we looked into online reviews from Hartville pet insurance policyholders. We’ve included both positive and negative reviews sourced from Trustpilot below.
Overall, Hartville has 4.4 out of 5 stars on Trustpilot, with many positive reviews that note friendly customer service and easy-to-understand plans.
However, other customers expressed frustration with the company’s response times — several people said it’s hard to reach a customer service representative. But on the other hand, several policyholders praised Hartville’s quick claims processing and payout.
“I just signed up for [Hartville] insurance. [The process] was easy to understand and easy to sign up for. It gives me the kind of coverage I need for my pet.” —Dave W. via Trustpilot
“Great policy, terrific customer service and fast claims processing. We’ve had a policy for over 11 years and could not be more pleased. It’s wonderful knowing we can do everything we can for our fur baby with our insurance coverage.” —Joanne N. via Trustpilot
“I have filed two claims and it’s been months of no responses. Tried contacting [Hartville] via phone and email and have yet to receive a response. Complete waste of money!”—Domenica D. via Trustpilot
“Save your money and go elsewhere. Hartville will sit on [your claim] forever and then ask for more information that you’ve already given them. There is always a very long wait time [when you call] … Hartville says they’ll call you back, but they don’t. We wasted money paying premiums.”—S. Mac via Trustpilot
Hartville Pet Insurance Availability
Hartville pet insurance is available in all 50 U.S. states. But keep in mind that pricing will vary depending on where you live.
Is Hartville Pet Insurance Best for Your Pet?
Founded in 1997, Hartville has offered pet insurance nationwide for over two decades. The company has a variety of plans to help cover veterinary costs if your pet is hurt or gets sick. We recommend Hartville to pet parents based on its policy customizations, affordable pricing and positive customer reviews online.
Hartville offers accident and illness coverage, an accident-only plan and two preventative care add-ons. Based on our research, Hartville pet insurance costs between $23.27 to $75.16 for a dog and $13.84 to $43.10 for a cat, depending on your policy selections. The higher end of the above figures includes wellness care add-ons, which can cover costs associated with routine pet care.
We recommend you request a free quote on hartvillepetinsurance.com for a rate more specific to your pet and your location. A policy from Hartville can provide peace of mind in the event of unexpected vet bills, so you can make clearheaded decisions about your pet’s healthcare without worrying as much about costs.
Frequently Asked Questions About Hartville Pet Insurance
Like many top pet insurance providers, Hartville offers customizable plans and wellness care add-ons. Hartville has some other benefits that make it stand out — it covers veterinary exam fees and microchip implantation in every plan. Some providers charge extra for this coverage, but Hartville automatically includes it. While it is ultimately up to you to decide if pet insurance is worth it, Hartville offers comprehensive and customizable coverage at an affordable price.
To file a claim with Hartville, log into your Member Center portal and complete a claim form. You will submit that form with medical records and an itemized invoice from your vet visit. You can track your claim’s progress online or using your mobile app. Once approved, Hartville will reimburse you via postal mail or direct deposit.
Hartville pet insurance is administered by Crum & Forster Pet Insurance Group, which also oversees ASPCA pet insurance. Hartville pet insurance is underwritten by the United States Fire Insurance Company.
Hartville doesn’t enforce upper age limits, so you can purchase coverage no matter how old your pet is. Some providers limit policy enrollment based on how old your pet but Hartville doesn’t restrict your coverage options, and your pet’s coverage won’t diminish as it grows older.