Hartville Pet Insurance Review & Prices

Hartville Pet Insurance Review

Overall Rating 3.8 / 5

four star review
  • Affordable Premiums:
    • For dogs – from $23
    • For cats – from $13
  • Customizable Plans:
    • Deductibles: Range from $100 to $500
    • Reimbursement rates: Options of 70%, 80%, or 90%
    • Annual coverage limits: Choices from $2,500 to $10,000
  • Comprehensive Coverage:
    • Accidents and illnesses plans covering a wide array of conditions
    • Accident-only plan for more basic coverage needs
    • Preventative Care Add-Ons: Basic and Prime options for routine care

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About Hartville Pet Insurance 🌟

Hartville Pet Insurance, as a trusted provider in the pet insurance market, offers comprehensive coverage options to ensure the well-being and health of your pets. Recognized for their extensive plans and commitment to pet health, Hartville stands as a top choice for pet insurance solutions.

Key Highlights
Hartville offers a range of insurance plans that cater to both dogs and cats. These include accident and illness policies, along with an accident-only plan. A notable aspect of Hartville is its preventive care options, designed to help pet owners manage routine health care expenses effectively.

Why Choose Hartville?
Hartville distinguishes itself with its customizable insurance plans. Pet owners have the flexibility to choose their plan’s deductibles, reimbursement rates, and coverage limits, making it easier to find a policy that aligns with their specific needs and budget. Including wellness add-ons and choosing different coverage levels underscore Hartville’s commitment to providing versatile and affordable pet insurance.

A Partner in Pet Health
More than just an insurance provider, Hartville aims to be a supportive partner in your pet’s health journey. Their user-friendly claim filing system and dedicated customer service team work together to simplify the insurance process. This approach helps pet owners concentrate on the most important aspect – the health and happiness of their pets.

Hartville Pet Insurance Plans and Coverage🛡️

Explore Hartville’s comprehensive and flexible pet insurance plans, designed to cater to the unique needs of both dogs and cats.

Accident and Illness Plans
Hartville’s Accident and Illness plans offer a range of customizable options. Choose from various deductible amounts, reimbursement rates, and annual coverage limits to tailor your plan. These plans cover many conditions, including accidents, illnesses, hereditary conditions, and more.

Accident-Only Plans
For pet owners looking for basic coverage, Hartville offers accident-only plans. These plans are ideal for addressing unforeseen accidents, providing essential protection without the comprehensive coverage of illness-related expenses.

Preventative Care Add-Ons
With Hartville, you can enhance your pet insurance with preventive care add-ons. These options help manage routine care costs like vaccinations, dental cleanings, and wellness exams, ensuring your pet stays healthy year-round.

Waiting Periods and Coverage Specifics
Hartville implements a 14-day waiting period for accidents, illnesses, and orthopedic conditions. Be mindful of these timelines when enrolling. While Hartville typically excludes preexisting conditions, it provides coverage for curable conditions that have been symptom-free for a set period.

Hartville Pet Insurance Cost 💵

The cost of Hartville Pet Insurance is influenced by various factors such as your pet’s breed, age, location, and the specific coverage options you choose. Below is an overview of the average monthly premiums for both dogs and cats:
Average Monthly Premiums

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $49
Cat Accident & Illness $28

Additional Costs and Fees

  • Monthly Payment Processing Fee: $2.00
  • One-Time Enrollment Fee: Not applicable

Customization Options
Adjust your plan with the following options to influence overall costs:

  • Annual Deductible: Options available from $100 to $500.
  • Reimbursement Rate: Choose between 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Select from $2,500, $5,000, $7,000, or $10,000.

Factors Influencing Cost
Consider these factors that can affect your premium rates:

  1. Breed and Age: Specific breeds and older pets can have higher premiums.
  2. Location: Regional veterinary costs can impact premium amounts.
  3. Coverage Level: Opting for higher coverage limits can result in increased premiums.

Discounts and Savings
Hartville provides opportunities for discounts, helping to reduce overall costs:

  • Multi-Pet Discount: Receive a discount for insuring multiple pets with Hartville.
  • Annual Payment Savings: Save by paying your premium annually, avoiding monthly processing fees.

Frequently Asked Questions❓🙋

What types of plans does Hartville offer?

Hartville offers Accident and Illness plans, Accident-Only plans, and optional Preventative Care Plans (Basic and Prime), each designed to suit different pet care needs.

Can I customize my Hartville pet insurance plan?

Yes, you can customize your plan by choosing from various deductible amounts ($100 to $500), reimbursement rates (70%, 80%, or 90%), and annual coverage limits ($2,500 to $10,000).

What does Hartville's Accident and Illness plan cover?

This plan covers a range of conditions including dental illness, hereditary conditions, behavioral issues, cancer treatment, chronic illnesses, and more.

Are there any age restrictions for pets to be enrolled in Hartville pet insurance?

Pets need to be at least 8 weeks old to enroll. There is no upper age limit for coverage.

How does Hartville handle claims processing?

The waiting period is 14 days for both accidents and illnesses, as well as orthopedic conditions.

Can I visit any veterinarian with Hartville pet insurance?

Yes, Hartville offers a multi-pet discount and savings for annual payments, which helps avoid the monthly transaction fee.

Is there a mobile app for Hartville ?

Yes, Hartville offers a mobile app for easy management of your policy, claim filing, and finding vet clinics.

What are the costs associated with Hartville ?

Monthly premiums start around $36.85 for dogs and $18.15 for cats, with additional costs like a $2 monthly transaction fee.

Are there any discounts available with Hartville pet insurance?

Hartville offers a multi-pet discount and savings for annual payments, which helps avoid the monthly transaction fee.

Can I pay for my Hartville Pet Insurance annually?

Yes, paying your premium annually can help avoid the monthly transaction fee and may offer additional savings.

How long do I have to file a claim with Hartville?

    • You have up to 270 days from the date of the vet visit to file a claim with Hartville.

Hartville Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Hartville. Read testimonials to explore their experiences with this trusted pet insurance, from Forbes, MarketWatch, Nerdwallet, and so on.


Hartville’s Complete Coverage plan with the Prime Preventative Care package is the most comprehensive plan. Its rates are around the industry average, but if you want a cheaper plan for accident-related emergencies, you can buy an accident-only plan. 

four star review

Canine Journal

Hartville Pet Insurance has longer waiting periods and slower, less generous claims processing, but offers standard coverage. Our experts compare policies against industry norms, considering customer reviews and direct insurer interactions for unbiased evaluations.

Canine Journal
two stars

Pawlicy Advisor

Hartville Pet Insurance offers plans with great coverage to all dogs and cats in the United States with no upper age limit. From unexpected illnesses to  injuries, Hartville ensures your pet can always receive the best medical care without straining your finances.

Pawlicy Advisor
star reviews 4.5


Hartville has a long, proven history as a pet insurer. The company was founded in 1997 and was among the first dedicated pet insurance providers in the United States. The company partnered with the ASPCA in 2006 to provide exclusive coverage to members.

four star review


Hartville Pet Insurance offers plans for cats and dogs ages 8 weeks and up in all 50 states and Washington, D.C. The company sells one accident and illness policy and one accident-only policy, as well as two optional preventive-care packages.

four star review


Hartville Pet Insurance received 4.1 out of 5 stars based on our in-depth provider review methodology for its customizable plansand  add-ons. We like that Hartville allows you to mix and match different deductibles and reimbursement rates to create a customized policy. 

reviews 4.5


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