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Hartville Pet Insurance Review: Best for Easy Online Claims Process

Overall Rating : 3 / 5


All You Need to Know

Important : Besides providing insurance policies, Hartville has also donated to several animal charities over the years.


  • There is no maximum age limit for enrolling your dogs
  • Easy cancellation with the option of full refund
  • Flexible terms of payment


  • Cost of policy and premium is more for pets older than 5 years
  • Base price of the policy is comparatively higher than other insurances available in the market

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.

Also Read: Dog Vaccine Requirements


What Does PetFirst 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

overview of the pet insurance

Available Plans

PetFirst offers a single accident and illness policy. It includes an extensive list of coverage. It offers three combinations of reimbursement levels, annual limits, and deductibles.

According to the policyholder’s requirements, all these contributing factors can also be customized.

A separate wellness plan is also available to cover the costs of preventive care that are offered to pets.

  • TreatmentsAccident-Only CoverageComplete Coverage
  • Exam Fees YesYes
  • Dental Care YesYes
  • Surgeries YesYes
  • Chronic conditions NoYes
  • Pre-existing conditions NoNo
  • AccidentsYesYes
  • Vaccinations NoNo
  • Diagnostic tests YesYes
  • Hereditary conditions NoYes
  • Cancer treatments NoYes
  • Behavioral conditions NoYes
  • X-ray, MRI scan YesYes
  • Microchipping YesYes
  • IllnessesYesYes

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

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.

Frequently Asked Questions

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.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.