Hartville Pet Insurance Review
About Hartville Pet Insurance
Hartville Pet Insurance is a brand offered by Crum & Forster Pet Insurance Group, which was the only company to partner with the American Society for the Prevention of Cruelty to Animals (ASPCA) in the pet insurance industry. They also offer standalone health insurance for horses under the ASPCA Pet Health Insurance brand. Their headquarters are in Akron, Ohio, and they do a lot of on-site volunteering, donation drives and fundraisers.
Hartville offers one policy for pet insurance, titled the Complete Coverage plan, which is an accident and illness plan. When you choose this plan, you can then modify your deductible, reimbursement level and annual limit to adjust what you might pay per month. These plans do cover exam fees, but don’t cover preexisting conditions, breeding costs or cosmetic procedures.
According to the sample policy on the Hartville website, here is a look at some things that are covered with a Complete Coverage policy:
- Cancer treatments
- Treatment for behavioral problems if performed by a veterinarian or referred by a veterinarian to a Certified Applied Animal Behaviorist
- Microchip implantation
- MRI or CAT scan
- IV fluids and medications
- Prescription medication prescribed by a veterinarian
- Stem cell therapy
- Surgery and hospitalization
- Tooth extractions
Here’s what’s not covered by a Complete Coverage plan:
- Dental services that are cosmetic, aesthetic or endodontic in nature
- Breeding and pregnancy
- Anal gland expression
- Dental cleanings
- Pre-existing conditions occurring before getting a policy or during a waiting period
You can get a complete list of exclusions from the Hartville website.
Hartville also offers a preventive care add-on at two levels: Basic or Prime, as well as Accident-Only coverage.
Accident-only coverage covers much of the same as a Complete Coverage policy as long as the services are required due to an accident, not an illness.
Preventive care coverage falls under Basic or Prime, with the main difference in how much is allocated for each service, and how much you will pay per month for this add-on. Preventive care works off a Schedule of Benefits, meaning the insurance company decides how much it is willing to pay for a selected service. This does not affect your deductible or annual limit, but you are responsible for any difference in price out of pocket.
Here’s a look at a sample Schedule of Benefits for Hartville Preventive Care as of June 2019.
|Spay or Neuter||$0||$175|
|Heartworm or Flea Prevention||$0||$50|
|Canine Heartworm Test||$20||$25|
|Canine Bordetella or Feline FELV||$0||$25|
|Canine DHLPP or Feline FVRCP||$20||$25|
Canine Rabies and/or Canine Lyme, or Feline FIP
Hartville is much like any other pet insurance company in that they let you modify your policy to adjust both how much you are covered and to raise or lower your monthly rate. Best rule of thumb is to get the best policy you can afford. If you try to “go up” later, you’ll have to get recertified and anything your pet has been treated for is now a preexisting condition and won’t be covered.
Hartville has a variety of annual limits: $5,000, $10,000, $15,000, $20,000 and unlimited. Their online quote form shows you a quote with the lowest – $5,000 – selected. This is likely lower than any serious emergency accident or illness will cost, so make sure you go up from there. In our sample quote for a four-year-old mixed breed dog, we found that changing the policy from $5,000 annual limit to unlimited raised the monthly premium by $20.
Hartville also doesn’t cover ligament injuries if there is any history of knee or ligament conditions.
Deductibles with Hartville are pretty straightforward. You can select $100, $250 or $500 and you only need to satisfy it once annually.
Reimbursements also follow the industry standard and you have three options: 70%, 80% and 90%. This means you must pay your veterinary bill in full, then you will receive reimbursement for 70%, 80% or 90% of the bill, minus your annual deductible (if you haven’t already paid it).
Claims can be handled online, via mail or by fax with Hartville, and you can get a check mailed to you, or for more immediate reimbursement, you can be reimbursed through direct deposit. You can also select to be billed for your policy monthly, quarterly, semi-annually or annually.