HomeGuidesHartville Pet Insurance Review: Best for Easy Online Claims Process

Hartville Pet Insurance Review: Best for Easy Online Claims Process


A new pet owner has to think about a lot of factors. You need to be in a position where you can comfortably manage the cost of medical treatments your pet may need. The best way to tackle any financial crisis is through a pet insurance plan. 

This Hartville Pet Insurance review will answer some pertinent questions such as: What insurance plans are available through Hartville Pet Insurance? How Much Does Hartville Pet Insurance cost?

We’ll also discuss its benefits, drawbacks, and so much more. 

Name of Insurance ProviderHartville Pet Insurance
Year of Establishment1997
Key FeaturesA+ rating from BBB, Hassle-free claims
Coverage LimitsNo Limit
Waiting Period14 days
Phone Number1-800-799-5852


Hartville Pet Insurance, an extension of Crum & Forster Pet Insurance Group, is a prominent insurance company that was founded in 1997. 

Hartville is located in Akron, Ohio, and has been awarded the Best Places to Work in Insurance by Business Insurance in 2017. Besides providing insurance policies, Hartville has also donated to several animal charities over the years. 

Pros Explained

Let’s take a look at some of the benefits of choosing Hartville Pet Insurance: 

  • AGE LIMIT: There is no maximum age limit and pets of any age can get the insurance policy. 
  • EASY CANCELLATION: Didn’t enjoy Hartville’s policy? Wondering, “How to cancel Hartville pet insurance?” The process is easy and uncomplicated. You can cancel your subscription in the first month of enrollment and get a full refund. 
  • FLEXIBLE PAYMENT TERMS: You have the option of paying monthly, quarterly, or annually, depending on what works best for you. 

Cons Explained

As with any pet insurance policy, there are certain drawbacks to Hartville Pet Insurance as well:

  • LIMITATIONS FOR OLDER PETS: If your pet is over five years old, you will notice an increase in the cost of the policy and the premium.
  • RELATIVELY EXPENSIVE: In comparison to other pet insurance companies in the market, the base price of the policy is comparatively higher.

Also Read: Dog Vaccine Requirements

What Does Hartville Pet Insurance Cover?

One very important attribute of a good pet insurance company is whether it covers the cost of medication. If you are wondering, Does Hartville Pet Insurance cover prescriptions? The answer is yes! Along with that, the Hartville Pet Insurance plan covers the following: 

  • Accidents
  • Illnesses
  • Behavioral issues
  • Hereditary conditions
TreatmentsAccident-Only CoverageComplete Coverage
Exam FeesYesYes
Dental CareYesYes
Chronic conditionsNoYes
Pre-existing conditionsNoNo
Diagnostic testsYesYes
Hereditary conditionsNoYes
Cancer treatmentsNoYes
Behavioral conditionsNoYes
X-ray, MRI scanYesYes

What’s Included?

Does Hartville Pet Insurance cover medications? It does. Besides that, Hartville Pet Insurance accident-only plan covers the following:

  • Examination fees
  • Accidents and illnesses
  • Lab tests
  • Prescribed medications
  • Holistic care
  • Cremation and burial

In addition to the treatments mentioned above, Hartville’s complete coverage plan will include the cost of the following: 

  • Genetic conditions
  • Microchipping
  • Behavioral treatments

What’s Not Included?

The following are not included with the Hartville Pet Insurance plan:

  • Experimental treatments
  • Breeding treatments
  • Cosmetic procedures
  • Pre-existing conditions

Available Plans

When you sign up with Hartville, there are two plans available for you to choose from — an accident-only coverage plan, and a complete coverage plan that covers both illnesses and accidents. 

Plan Pricing 

The policies can be customized with different rates of deductibles, annual limits, and reimbursement options. If you choose a lower annual limit then the cost of the premium will be less, but if you choose a higher annual limit then the cost of the premium will be more.

The lowest limit for a Hartville policy will cost you $5,000. The price for complete coverage will be calculated on the basis of several factors – breed, age, and location of the pet. 

The premium costs for pets above the age of five are higher in comparison to pets below the age of five. However, this criterion does not apply to accident-only plans. 

Pre-Existing Conditions

Hartville does not cover the cost of any pre-existing conditions that your pet may have. This applies to pre-existing conditions before signing up for the policy as well as during the waiting period of 14 days.

Coverage Limits 

The lowest annual coverage limit at which a policy can be bought is $5,000. An unlimited policy can also be purchased for a higher premium cost. 


Hartville offers several online tools so you can easily file a claim. Policyholders get access to an exclusive Member Center as soon as they sign up for the policy. The claims can be submitted and tracked through this center. If you have any questions or concerns, you can even talk to their customer service representatives for better clarity.

Waiting Period

A waiting period of 14 days is applicable across all policies and programs offered by Hartville. 


The only major drawback associated with Hartville is that in comparison to other premium insurance plans, their plans are relatively more expensive.

But it more than makes up for it with excellent customer service, a solid insurance plan, and other additional benefits.  


Is Hartville Pet Insurance Worth It?

Before we answer this, you must first know, what kinds of pets are eligible for Hartville Pet Insurance? If you have a pet dog or a cat, Hartville Pet Insurance is worth the price. The policy terms are highly valued and there are several benefits assured by Hartville Pet Insurance. 

What’s Not Covered By Hartville Pet Insurance?

The following are not covered by Hartville Pet Insurance: 

  • Breeding costs
  • Pre-existing conditions
  • Cosmetic treatments

Does Hartville Pet Insurance Cover Vaccines?

The optional preventive care coverage plan that can be bought at an additional price through Hartville covers vaccines. 

Can I Use Hartville Pet Insurance at Any Vet’s Office?

Yes, Hartville Pet Insurance can be used at every licensed vet’s office in the United States of America.

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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