Hartville Pet Insurance Review 2024

Hartville Pet Insurance offers an accident and illness plan, the most common type of plan covering the widest range of problems. You’ll also find an accident-only plan and the option to add a wellness plan.

Pet Accident and Illness Insurance

The Complete Coverage plan from Hartville Pet Insurance covers problems such as:

• Accidents such as bite wounds, broken bones, lacerations and toxic ingestions.
• Alternative therapy such as acupuncture and hydrotherapy.
• Behavioral issues such as destructive chewing, tail chasing, or hair pulling.
• Diagnostics such as blood work, CT scans, MRIs and X-rays.
• End-of-life expenses.
• Hereditary conditions such as heart disease, hip dysplasia and eye disorders.
• Illnesses such as cancer, diabetes, digestive problems and urinary tract infections.
• Prescription food and medication.
• Poison control consultation fees.
• Supplements to treat a problem covered by your policy.
• Surgery and hospitalizations.
• Tooth extractions.

Accident-Only Insurance

Hartville Pet Insurance also offers an accident-only plan, which covers accident-related veterinary expenses such as swallowing foreign objects, broken bones and torn cruciate ligaments. This type of pet insurance policy does not cover any illness-related veterinary expenses, such as cancer treatment.

Accident-only plans are less expensive than accident and illness plans because they cover fewer problems. It can be a good option for pet owners who only want coverage for accident-related emergencies.

Hartville Pet Insurance Add-Ons

You can add a Preventative Care package to help pay for expenses such as annual wellness exams, vaccinations and other vet expenses. You’ll have two options: Basic Preventative Care and Prime Preventative Care. Prime Preventative care costs more, but it provides higher coverage amounts and covers more types of expenses.

Hartville Pet Insurance Basic Preventative Care vs. Prime Preventative Care

We analyzed sample policies for Hartvill’s basic preventative care plan and prime preventative care plan. While the prime plan costs more, you’ll get higher coverage amounts and more expenses covered.

Expense	Basic Preventative Care coverage amount	Prime Preventative Care coverage amount
Annual vet exam	$50	$50
Blood test	$0	$25
Canine bordetella or Feline FELV vaccination	$0	$25
Canine DHLPP or Feline FVRCP vaccination	$20	$25
Canine heartworm or feline FELV test	$20	$25
Canine rabies and/or canine Lyme or Feline FIP vaccination	$20	$25
Deworming	$20	$25
Fecal tests	$20	$25
Health certificate	$0	$25
Heartworm and flea prevention	$0	$50
Spay or neuter	$0	$175
Urinalysis	$0	$25

Source: Hartville Pet Insurance

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Here are some problems that are not covered by Hartville Pet Insurance:

• Cosmetic, orthodontic or endodontic dental services such as caps, crowns or implants.
• Boarding fees.
• Breeding, pregnancy, nursing or whelping.
• Funeral services or memorable items such as caskets or urns.
• Elective procedures such as ear cropping or declawing.
• Experimental or investigational treatment.
• Grooming.
• House call fees or travel expenses to a veterinarian’s office.
• Injury or illness resulting from intentional harm or neglect.
• Pre-existing conditions.
• Supplements or vitamins for general health maintenance.
• Training or training devices.

Pet insurance companies have what are known as waiting periods—a specific amount of time from your purchase to the start of coverage. Hartville Pet Insurance has a 14-day waiting period for accident and illness coverage.

While the 14-day waiting period for illnesses is the industry average, you can find pet insurance companies with shorter accident waiting periods. For example, Embrace pet insurance starts its accident coverage at 12:01 a.m. ET the day after you purchase a plan.

But Hartville Pet insurance does not have an extended waiting period for certain types of medical problems, such as orthopedic conditions. Some pet insurers have extended waiting periods. For example, Embrace pet insurance has a six-month waiting period for canine orthopedic conditions, and Pets Best pet insurance has a six-month waiting period for cruciate ligament issues.

Maximum Annual Limit Options

The cap on the reimbursement your pet insurance company will pay during the policy term is known as the annual coverage limit. Hartville Pet Insurance offers annual limit options from $5,000 to unlimited annual coverage.

Deductible Options

The pet insurance deductible is the amount you have to pay toward vet bills before your insurer begins to reimburse you for veterinary expenses is your deductible. Hartville Pet Insurance offers the following options:

• $100
• $250
• $500

Reimbursement Options

When you pay up front for your pet’s veterinary expenses, you’ll then submit a claim for reimbursement for problems covered by your policy. Hartville Pet Insurance offers the following reimbursement options:

• 70%
• 80%
• 90%

Your own Hartville pet insurance costs will depend on factors such as:

• Pet breed
• Age of pet
• The local veterinarian costs where you live
• Annual coverage amount
• Deductible amount and reimbursement level

Hartville Pet Insurance offers a 10% multipet discount for each additional dog or cat that you insure.

You can also lower your pet insurance costs by choosing a lower annual maximum limit, a higher deductible or a lower reimbursement level. For example, if you choose a $500 deductible instead of a $100 deductible, the insurer will pay out less if you file a pet insurance claim, which means cheaper pet insurance costs.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursement Choices	Deductible Choices	Learn More CTA text	Learn more CTA below text	Learn More
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	Compare Plans
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	Compare Plans
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	Compare Plans
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	Compare Plans
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	Compare Plans
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans

Reimbursement and deductible choices may vary by state.

Pet insurance benefits and waiting periods vary depending on the pet insurance company. For example, Hartville Pet Insurance offers both an optional wellness plan and access to a 24/7 vet helpline, which you won’t find at Trupanion pet insurance. But Hartville’s 14-day accident waiting period is long compared to some insurers, such as Pets Best, which has a three-day accident waiting period.

Hartville Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage details	Hartville pet insurance	Healthy Paws pet insurance
Accident coverage waiting period	14 days	15 days
Illness coverage waiting period	14 days	15 days
Special waiting periods	None	12 months for hip dysplasia; coverage for hip dysplasia not available for pets age six or older at time of enrollment
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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Hartville Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage details	Hartville pet insurance	Pets Best pet insurance
Accident coverage waiting period	14 days	3 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?	Yes	Included
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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Hartville Pet Insurance vs. Spot Pet Insurance

Rating and coverage details	Hartville pet insurance	Spot pet insurance
Accident coverage waiting period	14 days	14 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	Yes
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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Hartville Pet Insurance vs. Trupanion Pet Insurance

Rating and coverage details	Hartville pet insurance	Trupanion pet insurance
Accident coverage waiting period	14 days	5 days
Illness coverage waiting period	14 days	30 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	No

Details can vary by state.

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If you want to cancel a pet policy from Hartville Pet Insurance, you’ll need to contact Hartville Pet Insurance and let them know the date you want to cancel your coverage. You’ll be refunded for any premium you paid for any period after your last date of coverage.

You can contact Hartville Pet Insurance by:

• Phone: (800) 799-5852
• Fax: (866) 888-2495
• Email: cservice@hartvillepetinsurance.com

Hartville Pet Insurance was founded in 1997 and has headquarters in Akron, Ohio.