Hartville Pet Health Insurance Reviews, Costs & Coverage

Hartville Pet Health Insurance


We all know the horror stories of sitting on the phone with an insurance provider for hours and getting zero results, or submitting a claim and waiting weeks, or even months, for a resolution. It is for these exact reasons that the providers of Hartville Pet Insurance have worked to create an experience that is fully electronic, simple, and quick. They also understand that for many, pets are children and important to the family unit or the beginning of a family like a human child can be. They have also developed a modern insurance experience that seamlessly fits into the life of an active, on-the-go pet parent. They have broad coverage at affordable prices, and customers love that they don’t require you to be part of any network. Hartville Pet Insurance is an efficient and mobile insurance solution for those who don’t want to waste time on “hold” and want to get back out with their beloved furry child as quickly as possible.

What They Cover

Hartville Pet Insurance understands that pets are truly a member of the family, not just an animal, and they have built a great system for pet parents to be able to maximize insurance benefits, without an overburdensome cost. In addition to the staples of a good policy—hospitalization coverage, accidents, injuries, illness, cancer treatment, etc.—they also offer fantastic preventative coverage and don’t force pet parents into a “network,” which helps escalate them from good to great.

What They Don’t Cover

As with any insurance company, there are a few things that are not covered with a Hartville Pet Insurance plan, namely:

  • Pre-existing conditions
  • Vaccines unless a preventive care option is purchased at an additional cost
  • Teeth cleaning unless a preventive care option is purchased
  • Any Unethical Procedures
Plan Coverage Options

Hartville understands the need for customer involvement in creating an ideal policy so that a pet parent can have peace of mind their pet is covered. Hartville has a wide array of deductibles, limits, and reimbursement options to ensure each pet parent can get what he or she needs. Reimbursement options can be in amounts of 70%, 80%, or 90%, and annual policy limits range from $5,000 to unlimited. Deductibles are set per year and can be chosen from $100-$500.

  • $100
  • TO
  • $500
  • 70%
  • 80%
  • 90%
Policy Limits
  • $5,000
  • TO
  • Unlimited
Policy Coverages
Deductible Type ​​​Per Year
Deductible Options $100 - $500
Reimbursement Options 70% - 90%
Policy Limit Options $5,000 - Unlimited annually
Lifetime limits Unlimited
Wellness Cover Cost $9.95 - $24.95 per month
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Cancer Treatments
Outpatient Care
Alternative Therapies
Waiting Periods
Policy Coverage Starts At midnight after sign up
Accidents ​​​​At midnight after sign up
except for knee & ligament
issues (14 days)
Illnesses 14 days after policy starts
Compare Pet Insurance
How much will I get back from Hartville?

As mentioned, Hartville Pet Insurance has many options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:


Example 1

Your dog gets into the kitchen trash and ingests some leftover chocolate, among other dangerous items, and needs to get his stomach pumped and stay at the vet overnight for monitoring. The total bill comes to $3,450. After a $250 deductible and your 80% reimbursement rate, you can expect to get back $2,550.

$2,550 Total Back

Example 2

Your cat starts to get sick and can’t keep food down for a few days. After some lab testing, it is determined your cat has a stomach infection and will need some strong antibiotics. The total cost of the lab test and medicine comes to $1,900. Following your $100 deductible and a 90% reimbursement, you will get back $1,620.

$1,620 Total Back

Example 3

Your dog has a collision with a cyclist and needs surgery to his paw. The surgery plus some pain management medicine totals $6, 875. After paying your $250 deductible, a reimbursement rate of 80% will get you back $5,300.

$5,300 Total Back
How much does Hartville insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of Hartville’s plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: German Shephard
Age: 4 years
Zip code: 98239
$15,000 coverage
$250 Deductible
80% Reimbursement
Plan Cost $42.95 Per Month
Breed: American Short Hair Cat
Age: 6 years
Zip code: 63303
$10,000 coverage
$250 Deductible
70% Reimbursement
Plan Cost $24.66 Per Month

What do pet owners say about Hartville?

Very Good
5 star
68% Complete (success)
4 star
24% Complete (success)
3 star
5% Complete (success)
2 star
0% Complete (success)
1 star
3% Complete (success)

In terms of reviews, customers love how Hartville has created a modern insurance experience and understand the importance of being a pet parent. They have an average review score of 4.8/5. See reviews from Hartville customers below.

Finally! Modern insurance!

I’m so stoked there is finally a modern insurance company. i love that its all digital/electronic. No 2 hour long phone coversations with awful insurance reps like I heard my mom go through when I was growing up. So simple. #yaassss

California, Labradoodle
Very good, tech savvy company.

Hartveille understands how important it is to be up to date with a tech platform. I’m a programmer and I hate when I go to other websites that are clunky and not easy to figure out. Hartville has everything that youre going to need online so no waiting for paper hassle.

New York, Poodle
Love that its all electronic.

I took my dog on a road trip last month and he got injured when we were hiking, thatnkully everything with Hartville is all online so I didn’t have to worry about not having his “papers” or knowing his insurance number or something annoying like that, was able to walk in to a vet and get him treated. Mobile insurance—I’m down.

Colorado, Lab Mix
They get pet parents.

Hartville totally gets what it means to be a pet parent. I don’t have kids, but my dog is my child and I want to give her as much as I can, just like any parent. Hartville helps me do that. #proudpupmama

New York, Black Lab
They take care of your furry kids!

I love that Hartville views pets like kids just the way I do. Right now, thwyre my babies and having good insurance for them is just as important as my own! They ve got you and the fur babies covered!

Colorado, Black Lab & Pug
See how Hartville compares
Bonus Points

Hartville knows that shopping for insurance and submitting a claim has always been considered a struggle. That’s why they worked diligently to create an insurance experience that is hassle-free and entirely paperless. Their claim submittal process is simple and efficient with everything online and in one place. Hartville also understands the importance of needing insurance to be as mobile as we are, so they do not restrict you and your pet to any network—you can see any licensed vet, at any time. Along with their easy-to-use online system, their policies cover all the latest and most advanced care in veterinary medicine to help keep their pet an active member of the family for years to come.