Hartville Pet Insurance Review (2023)

Hartville Pet Insurance

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Pet health insurance is a fast-growing financial tool for pet parents trying to save big on unplanned veterinary expenses. Pet insurance policies aren’t just budgeting and money-saving tools. They also help pet owners choose the best – sometimes life-saving – care for their pets.

Deciding to buy pet insurance is a no-brainer. However, selecting the best pet insurance company for your furry friend can be tedious. 

This Hartville pet insurance review will give you the scoop on one popular provider. You’ll have the chance to learn about what Hartville offers while also comparing it to other top pet insurance providers.

This article will go over Hartville pet insurance:

  • Pros and cons
  • Plans and costs
  • Coverage options
  • Discounts
  • FAQs

Our Review for Hartville Pet Insurance

We give Hartville pet insurance 4.1 out of 5 stars for its customizable plans, low deductible options, and add-on package availability. 

We like that Hartville allows you to mix and match different deductibles, payout caps, and reimbursement options for a customized policy. We also like that the provider automatically covers microchip implantation in every plan.

However, Hartville has some drawbacks. It has a $10,000 annual payout cap, which is relatively low compared to other provider limits. It also charges a monthly transaction fee, making your plan slightly more expensive each time the bill comes around.

Pros and Cons of Hartville Pet Insurance


  • Customizable plans
  • Low deductible options
  • Dental illness coverage
  • Wellness plans for preventive care coverage
  • 14-day waiting period for orthopedic conditions


  • $2 monthly transaction fee
  • Annual coverage capped at $10,000

Hartville Pet Insurance Plans and Coverage

Now that you have an overview of how Hartville shines and falls short, you’re ready to dig into the fine print of its pet insurance plans.

The following section will discuss Hartville’s policies and how much coverage typically costs. 

After that, we’ll dive into Hartville’s customizable plans, price ranges, add-on packages, discounts, and more. We’ll also supply some sample quotes to illustrate how costs vary for different pets.

Plans and Costs

Hartville pet insurance offers accident and illness coverage and accident-only coverage for dogs and cats.

Accident and Illness Plan

On average, Hartville’s Complete Coverage plan costs $40-$60 per month for dogs and $20-$30 per month for cats. Your specific price will depend on your pet’s age, breed, species, and location.

The accident and illness policy covers costs associated with your pet’s unexpected accidents, injuries, and illnesses. 

Hartville’s Complete Coverage also includes:

  • 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 typically costs around $25 per month for dogs and $13 per month for cats. 

This plan is a solid option for a pet parent seeking coverage for their pet’s unexpected injuries. It doesn’t cover any costs associated with illnesses.

Hartville’s accident-only policy covers items like:

  • 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 

Samples of Prices for Four Species/Breeds 

We retrieved these sample quotes for a 1-year-old pet in Austin, Texas. We selected a $10,000 annual coverage limit, $250 annual deductible, and 80% reimbursement rate for this plan. We chose the Prime Preventive Care package for wellness coverage.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever Dog Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident-Only Plan $23.27 $23.27 $13.84 $13.84
Accident and Illness Plan $36.85 $50.21 $18.15 $18.15
Accident and Illness Plan With Preventative Care $61.80 $75.16 $43.10 $43.10


A deductible is an amount you must satisfy out of pocket before Hartville starts coverage costs. Luckily, Hartville offers low annual deductible options so you can get to your coverage sooner.

When building your pet’s plan, you can choose from deductibles of $100, $250, and $500

The lower your deductible, the higher your monthly premium will be. However, you could potentially get more savings in the long run if your pet has a costly vet visit. For lower monthly premiums, we suggest choosing the $250 deductible so that you’ll pay less per month but reach coverage quicker for a costly vet bill.

Preventative Care Limits

Hartville offers preventive care plans to help you pay for your pet’s routine veterinary needs. Hartville’s Basic and Prime Preventive Care packages have no waiting periods or deductibles so that you can start using them as soon as your policy starts.

The plans operate on a benefit schedule with per-item limits, so you can’t use your whole wellness allowance on a single item. Below we’ve listed the annual per-item limits for Hartville’s wellness plans. Depending on the plan you select, you can get $250-$450 in reimbursements for the items listed.

Covered Item Basic ($9.95/month) Prime ($24.95/month)
Dental cleaning $100 $150
Wellness exam $50 $50
DHLPP or FVRCP vaccine $20 $25
Rabies, FIP, or Lyme vaccine $20 $25
Fecal test $20 $25
Deworming $20 $25
Heartworm test $20 $25
Health certificate N/A $25
Flea/heartworm prevention N/A $25
Bordetella or FeLV Vaccine N/A $25
Blood test N/A $25
Urinalysis N/A $25
Total Annual Benefit $250 $450

Coverage Exclusions

Like all other pet insurance providers, Hartville can’t cover everything. Here are some of its coverage exclusions:

Accidents or illnesses that occur during Hartville’s waiting periods are also excluded from coverage. A waiting period is a time frame at the beginning of your pet insurance policy before coverage kicks in. All pet insurance companies have waiting periods, but they vary in length across plans.

Hartville’s waiting periods are 14 days for accidents, illnesses, and orthopedic conditions. 

*Hartville has a Cured Condition Eligibility policy, which means that the provider will cover curable conditions that occurred before your pet insurance plan started. Hartville considers conditions a new occurrence if they’ve been symptom- and treatment-free for at least 180 days. Unfortunately, ligament and knee conditions don’t qualify for this policy.

Plan Customizations

Along with customizable deductible options, the company offers a selection of annual payout limits and reimbursement percentages to choose from. You can combine these rates to personalize your pet’s plan and reach a price and level of coverage that suits your needs.

Annual payout limits – $2,500, $4,000, $5,000, $7,000, $10,000.

Reimbursement rates – 70%, 80%, 90%.

The coverage rates you select will have a large impact on your monthly premium. However, you shouldn’t choose the lowest coverage rates possible just to get a lower cost.

For example, if you select the $2,500 annual limit, 70% reimbursement rate, and $500 deductible, you’ll get little coverage in the event of a veterinary emergency. 

Let’s say you select those rates to buy a $33 pet insurance plan for your 2-year-old Pit Bull Terrier mix.

Unfortunately, you have to rush your buddy to the emergency clinic for a serious medical condition called Gastric Dilatation-Volvulus (GDV). The vet must perform surgery, bringing your vet bill to $7,000. 

Take a look at the reimbursement you’d get with the coverage rates you selected:

$7,000 x 70% = $4,900


$4,900 – $500 deductible = $4,400

Based on your deductible and reimbursement rate, you would get $4,400 back for this vet bill. However, you selected a $2,500 annual payout limit, so you’d still have to cover $1,900 of the bill by yourself. That cost is far more than your monthly premium, and you’ve exhausted your entire yearly allowance in one vet trip.

We gave this example to illustrate how lower monthly premiums are sometimes not worth the low coverage you’ll get. We recommend selecting middle-tier coverage for average monthly costs and higher coverage.


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 to avoid Hartville’s $2 monthly transaction fee. You’ll save $24 and get your premiums out of the way all at once.

Hartville Pet Insurance State Availability

Hartville pet insurance is available in all 50 states. The provider doesn’t operate through networks so that you can take your pet to any veterinary clinic of your choice.

Hartville Pet Insurance Reviews 

We looked into customer reviews from real Hartville pet insurance policyholders. Most reviews were positive, noting friendly customer service and easy-to-understand plans. 

A few customers expressed frustration with the company’s response time to claims questions and reimbursement inquiries. Several people said it’s hard to reach a member of the Hartville team if you have questions. On the other hand, several policyholders praised the provider’s quick claims process and payout.

“I have just signed up for insurance. It was easy to understand and easy to sign up for. It gives me the kind of coverage I need for my pet.” –Dave W., TrustPilot.

“Everything plus more from great customer service to timely payments.” –Linda A., 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., TrustPilot.

“I have filed two claims, and it’s been months of no response. Tried contacting via phone and email and have yet to receive a response.” –Domenica D., TrustPilot.

Final Thoughts 

Health coverage for your precious pal can mean the difference between crucial veterinary treatment or exhausting your savings. We don’t think you should ever have to choose between your money and your pet’s health, so coverage is a necessity.

There are countless pet insurance options available, so choosing the right plan can seem impossible. Luckily, there are many top provider reviews to help you select the best fit for your budget and pet care needs.

We hope this Hartville pet insurance review brings you closer to finding the perfect plan for your best buddy. With solid pet insurance coverage, you can make clearheaded decisions about your animal’s healthcare without worrying about costs.

Hartville Pet Insurance vs. Competitors

The table below shows how Hartville pet insurance stacks up to its competitors. Unfortunately, the provider doesn’t have an online chat feature. However, you can reach out to Hartville’s Contact Center by email or phone if you have questions. Once you’ve purchased a plan, you can manage your policy and track claims through Hartville’s mobile app.

Factors Hartville Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1/5 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $40-$60 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $20-$30 $18-$25 $15 $15-$20 $12 $29
Waiting Period 14 days for accidents, illnesses, and knee/ ligament events 14 days for accidents, illnesses, and knee/ ligament events 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions 15 days for accidents and illnesses, 12 months for orthopedic conditions 14 days for accidents, illnesses, and knee/ ligament events
Multi-pet Discount  10% off 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  No No Yes Yes No Yes
BBB Rating A+ A F A+ A- N/A

About Hartville Pet Insurance

Hartville pet insurance was founded in 1997 in Canton, Ohio. In 2017, the company rebranded as Crum & Forster Pet Insurance Group and is one of the largest pet insurance providers in the United States.

In 2006, Hartville partnered with the American Society for the Prevention of Cruelty to Animals to sell ASPCA Pet Health Insurance. Hartville’s ASPCA brand is the only pet insurance company to offer stand-alone health coverage for horses.

According to the C&F Insurance Agency website, the brand is “committed to helping pet parents access reliable and affordable pet health insurance plans.”

Frequently Asked Questions

What are the advantages of Hartville‘s pet insurance?

Like many top pet insurance providers, Hartville has customizable plans and wellness care add-ons. Hartville has some other benefits that make it stand out.

Hartville covers microchip implantation in every plan. This minor procedure can help you bring your pet home if it gets lost or stolen. 

Hartville also covers exam fees in every plan. Exam fees are costs you incur just by having the vet examine your pet. Some providers charge extra for this coverage, but Hartville automatically includes it. 

How do I file a claim with Hartville

To file a claim with Hartville, you’ll log into your Member Center portal and fill out a claim form. You’ll submit that form, medical records, and an itemized invoice from your vet visit and await reimbursement. 

You can track your claim’s progress online or in your mobile app. Hartville will reimburse you via postal mail or direct deposit if your claim is approved.

Does Hartville offer exotic pet insurance?

Hartville only provides plans for dogs and cats. It provides pet insurance for horses under its ASPCA Pet Health Insurance brand.

Who is Hartville pet insurance’s underwriter?

Hartville pet insurance is underwritten by United States Fire Insurance Company. 

Does Hartville Pet Insurance have age limits?

Hartville doesn’t enforce upper age limits. This means you can buy a new plan for your pet no matter how old it is. 

Some providers limit an animal’s coverage based on its age at enrollment. Hartville won’t limit your coverage options, and your pet’s coverage won’t diminish as it gets older. 

Does Hartville offer a free trial?

Hartville pet insurance doesn’t have a free trial, but it does offer a risk-free money-back guarantee. If you’d like to cancel your policy and haven’t submitted any claims during the first 30 days of your policy, you can cancel for a full refund.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.