Hartville Pet Insurance Reviews

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Updated Apr. 02, 2025

By: Rachael Monson

+2 more

Edited by: Ashley Eneriz

Edited by: Joanna Broder

About Hartville Pet Insurance

Hartville Pet Insurance offers customized pet insurance plans for cats and dogs. It provides clear details about its comprehensive and customizable plans and coverage. Serving pet parents nationwide, it offers online quotes and policy management.

Pros

Wide range of options
Personalized online quotes
Detailed online info

Cons

Up to 30 days for reimbursement
Premium increase as pet gets older

What is Hartville Pet Insurance?

Hartville Pet Insurance offers broad coverage for help with veterinary bills. It provides coverage for dogs and cats. It offers a wide range of accident, illness and wellness coverage. Available nationwide, it offers online quoting and plan management. It aims to give pet owners easy access to coverage tailored to their pets' needs.

How does Hartville Pet Insurance work?

Hartville Pet Insurance offers accident, illness and wellness insurance for pets. The claims process involves submitting a claim after paying the vet bill. Pet owners must wait up to 30 days for reimbursement. The company provides transparent information about its plans, coverage options and terms. There is a 14-day waiting period after sign-up. Customers can sign up for coverage through Hartville Pet Insurance’s website or by phone and manage their policy online.

Hartville Pet Insurance coverage

Hartville Pet Insurance typically covers accidents, illnesses, hereditary conditions and behavioral issues. The company also offers an optional add-on package for preventive care to cover annual exams, vaccines and screenings.

What Hartville Pet Insurance doesn’t cover

Hartville Pet Insurance generally does not cover preexisting conditions, breeding costs or cosmetic procedures. Some preexisting conditions may be covered if the pet has been cured and has been free of treatment and symptoms for 180 days. This excludes knee and ligament conditions.

Hartville Pet Insurance pricing

Hartville Pet Insurance offers convenient and detailed online quotes. Pricing appears to vary greatly depending on age, breed, location and coverage options.

Male basset hound puppy in Los Angeles, California	Accident-only (cheapest)	Complete Coverage with preventive care add-on (most expensive)
Annual limit	$2,500	$10,000
Reimbursement rate	70%	90%
Annual deductible	$500	$100
Monthly cost	$12.06	$148.94

10-year-old female Maine coon in New York, New York	Accident-only (cheapest)	Complete Coverage with preventive care add-on (most expensive)
Annual limit	$2,500	$10,000
Reimbursement rate	70%	90%
Annual deductible	$500	$100
Monthly cost	$14.16	$199.96

Hartville Pet Insurance FAQ

Does Hartville Pet Insurance offer online quotes?

Yes, the company offers a detailed online quote system that allows customers to input their specific information to receive a tailored quote.

Does Hartville Pet Insurance offer discounts?

Hartville Pet Insurance offers a discount of 10% for each additional pet you insure. It does not limit how many pets you can add.

Does Hartville Pet Insurance have a money-back guarantee?

Check the contract for information about a money-back guarantee. On a sample provided by Hartville Pet Insurance for Oklahoma, for example, it specifies that if you cancel within 30 days of the effective date, it will refund the premium as long as no expenses have gone toward your deductible or reimbursed.

Does Hartville Pet Insurance pay the vet directly?

No, pet owners are required to pay the vet directly for services rendered. They can then submit a claim for reimbursement online.

Is Hartville Pet Insurance legit?

Yes, Hartville Pet Insurance is a legitimate company that offers comprehensive coverage options for pet owners. It provides customizable plans. However, potential downsides include reimbursement timelines of up to 30 days and annual limits on coverage. Overall, pet owners seeking flexible coverage options and transparency in pet insurance might find a plan worth considering.

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