Hartville Pet Insurance Review

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Hartville Pet Insurance

Hartville Pet Insurance

overall rating
4.0

Our Take 

Hartville Pet Insurance offers accident and illness insurance for cats and dogs with an additional preventative care plan for routine wellness appointments and services. While the company will never drop or reduce coverage due to age or illness, rising premiums can make it expensive to insure older pets.

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
Pros
  • Flexible payment terms

  • 30-day money-back guarantee

  • Accident-only coverage available

  • Unlimited annual coverage limit 

  • Accident and illness coverage for pets of any age

Cons
  • Steep premiums for older pets

  • Limited reimbursement for preventive care

Key Takeaways
  • Hartville offers pet insurance policies for dogs and cats of any age.
  • An optional preventative care plan covers dental cleanings.
  • Save 10% for each additional pet you insure.
  • Choose to pay your premiums monthly, quarterly, semi-annually, or annually.
Specifications
  • Year Founded 1997
  • Deductible $100 to $500
  • Types of Services Available Accident-only insurance, accident and illness insurance
  • Additional Features Preventative care coverage
  • Official Website https://www.hartvillepetinsurance.com/

Hartville has a long history in the pet insurance industry and is the only pet insurer to partner with the American Society for the Prevention of Cruelty to Animals (ASPCA). The company makes it easy to create a custom pet insurance policy with deductibles as low as $100 and unlimited annual coverage, so you can care for your dog or cat just the way you want.        

We review Hartville’s coverage details and exclusions, add-on services, discount pricing, customer service, third-party ratings, and more to help you decide if its plans are right for you. 

Company Overview: Pet Insurance With No Annual Limits

Hartville Pet Insurance was founded in 1997 and is one of the original pet insurance providers in the industry. Always innovating, the company became the only pet insurance provider to offer standalone health coverage for horses in 2017 under ASPCA Pet Health Insurance. 

Hartville offers basic accident and illness insurance as well as accident-only insurance, reimbursing you between 70% and 90% of your vet bills for covered services. Premiums are based on the age and type of animal as well as your location, and rates can increase dramatically as your pet ages.

Hartville’s consumer ratings are mixed. Trustpilot reviewers give the company an Excellent rating while Yelp users rate it below average. Poor reviews included customers claiming that policy exclusions weren’t made clear or that reimbursements were slow to payout. Conversely, the highest reviews praised Hartville’s fast claims process and excellent customer service.    

Hartville’s pet insurance policies are underwritten by United States Fire Insurance Company, which has an A rating for financial stability from AM Best.  

Policies Available: Accident and Illness

Hartville offers both accident and illness and accident-only pet insurance with the option to customize a policy with the following deductible, annual limit, and reimbursement options:

  • Annual deductible: $100, $250, $500
  • Reimbursement: 70%, 80%, 90%
  • Annual coverage limit: $5,000, $10,000, $15,000, $20,000, unlimited  

Hartville requires a waiting period of 14 days from the start of your policy before you can file an accident or illness claim. Any claims filed before the 14 days are up will be considered a pre-existing condition and will be denied. Hartville’s 14-day waiting period also applies to knee and ligament injuries, which most pet insurers won’t cover until six months after enrollment.

Hartville also offers a 30-day money-back guarantee. If you don’t like the terms of your policy and haven’t been reimbursed for any claims, you can request a full refund of your premium within the first 30 days of coverage.  

 Covered services under the accident and illness policy include:  

  • Alternative therapy
  • End-of-life expenses
  • Intravenous (IV) fluids and medications
  • Medical supplies (such as but not limited to bandages, casts, and splints)
  • MRI or CT scans and X-rays
  • Poison control consultation fees
  • Prescription food to treat a covered condition
  • FDA-approved prescription medications prescribed by a veterinarian
  • Stem cell therapy
  • Supplements to treat a covered condition
  • Surgery and hospitalization
  • Tooth extractions
  • Veterinary examinations, consultations, and laboratory tests
  • Expenses listed above when applicable to illness
  • Cancer treatments (including but not limited to chemotherapy and radiation treatment)
  • Treatment for behavioral problems
  • Microchip implantation 

If you choose the accident-only option, you’ll receive coverage for:  

  • Alternative therapy
  • End-of-life expenses
  • Intravenous (IV) fluids and medications
  • Medical supplies (such as but not limited to bandages, casts, and splints)
  • MRI or CT scans and X-rays
  • Poison control consultation fees
  • Prescription food to treat a covered condition
  • FDA-approved prescription medications prescribed by a veterinarian
  • Stem cell therapy
  • Supplements to treat a covered condition
  • Surgery and hospitalization
  • Tooth extractions
  • Veterinary examinations, consultations, and laboratory tests
  • Microchip implantation 
Tip

You can save on transaction fees by paying your premium quarterly, semi-annually, or annually instead of monthly. 

Other Add-Ons: Preventative Care 

In addition to accident and illness insurance, Hartville offers optional add-on preventative care coverage that will reimburse you for preventative pet care. You can choose between the Basic Preventative Care plan with $250 in annual coverage or the Premium Preventative Care plan with $450 in annual coverage. Both plans offer fixed reimbursement for certain services. 

The prices below indicate how much Hartville will pay for each service depending on whether you choose the Basic or Premium plan.    

Coverage Per Policy Term

Service Basic Plan Premium Plan
Dental cleaning $100 $150
Spay/neuter $100 $150
Wellness exam $50 $50
Deworming $20 $25
Health certificate N/A $25
Flea/heartworm prevention N/A $25
FVRCP vaccine/titer $20 $25
Rabies or FIP vaccine/titer $20 $25
FeLV vaccine N/A $25
Fecal test $20 $25
FeLV test $20 $25
Blood test N/A $25
Urinalysis N/A $25
Unique Features: Prescription Coverage

While pet insurance plans don’t often cover the cost of prescriptions, Hartville does. Providing that the prescription is not for preventative care, you can get reimbursed for FDA-approved drugs as well as prescription food to treat covered conditions.

Plan Exclusions: Pre-Existing Conditions 

As with most pet insurance, Hartville won’t cover any claims related to pre-existing conditions. It will, however, cover illnesses connected to hereditary and congenital conditions.

Hartville also does not cover the following in its accident and illness and accident-only policies: 

  • Aesthetic, cosmetic, endodontic, or orthodontic dental services
  • Anal sac (gland) expression and/or resection when no infection or disease is present
  • Boarding and grooming
  • Breeding, pregnancy, whelping, or nursing
  • Cosmetic and elective prostheses or procedures
  • Dental cleanings unless used to treat a covered illness
  • Experimental or investigational treatment or medication
  • Funeral services, memorial items, urns, caskets, or burial plots/fees
  • House call fees, time, and travel expenses
  • Illness or injury that results from intentional, malicious, or grossly negligent activities
  • Ligament and knee conditions if they occur prior to coverage or during a waiting period
  • Organ or heart valve transplants
  • Prescription food, pet food, commercial diets, or treats used for prevention or general health maintenance
  • Supplements and vitamins used for prevention or general health maintenance
  • Training or training devices
  • Routine wellness and preventative care

Cost: High Premiums That Increase as Your Pet Ages

Hartville offers a 10% discount for each additional pet you insure and also lets you pay your premiums monthly, quarterly, semi-annually, or annually. The company claims that you can save up to $22 per year in transaction fees by paying upfront

Here’s a quick breakdown of two policies we built using Hartville’s online quote builder.  

Accident and illness insurance for a mixed-breed, medium-sized (31–50 lbs.), three-year-old, a female dog with $15,000 coverage, a $500 deductible, and 80% reimbursement came to $40.64 per month. Basic Preventative care added an extra $9.95 per month for $250 of coverage for a total of $50.59 per month. Prime Preventative care added an extra $24.95 per month for $450 of coverage, bringing the total to $65.59 per month. 

Accident and illness for a domestic longhair, one-year-old, male cat with $15,000 coverage, a $500 deductible, and 80% reimbursement came to $21.55 per month. Basic Preventative care added an extra $9.95 per month for $250 of coverage for a total of $31.50 per month. Prime Preventative care added an extra $24.95 per month for $450 of coverage for a total monthly cost of $46.50.  

In general, Hartville’s premiums are a bit more expensive than some other pet insurers. Although the company will never cancel or downgrade your coverage because of age or illness, your premiums will start to soar as your pet ages.

For instance, in the example above, the same mixed-breed dog at age 12 will cost you $121.91 per month to insure. That’s three times more before adding wellness coverage.   

Important

Although Hartville won’t drop your coverage based on age or illness, the rising premiums may make it expensive to insure older pets.

Customer Service: Phone, Email, Online Portal, and Help Center

Hartville makes it easy to get a quote and apply for coverage through its website. You can submit claims online, by mail, or by fax and search for a vet and manage your account using the online Member Center. Hartville typically resolves claims within 14 to 16 business days. 

Hartville offers email and phone support Monday to Friday from 8:00 a.m. to 8:00 p.m. EST and offers a library of articles about pet insurance and pet care on its website. 

Competition: Hartville vs. PetFirst 

We compared Hartville to PetFirst, which offers similar insurance policies, premiums, and wellness coverage. Like Hartville, PetFirst offers accident and illness insurance and partial coverage for preventative care. Placed side-by-side, PetFirst and Hartville appear to offer the same coverage for a similar price.

The difference, however, is in PetFirst’s wellness coverage. It offers a choice of annual limits between $125 and $575, unlike Hartville, which offers only two: $250 or $450. While more choices might seem useful, it can make it confusing to decide which plan will save you more.

For example, reimbursement for a wellness exam through PetFirst ranges between $15 and $75 depending on the annual limit you choose. Hartville, on the other hand, reimburses you for $50 for both plans.  

There are a few other trade-offs as well. Although PetFirst requires a two-day waiting period for accident claims versus Hartville’s 14 days, the company requires you to wait six months for ligament injury claims. With Hartville, you only need to wait 14 days. Finally, Hartville is accepted by any licensed vet in the U.S and Canada while PetFirst only works in the U.S.

  Hartville PetFirst
Animals Covered Dogs and cats Dogs and cats
Example Cost $46.63 to insure a two-year-old dog with 80% coverage, a $10,000 annual limit, a $500 deductible, and $250 in wellness coverage $48.31 to insure a two-year-old, medium-sized dog with 80% reimbursement, $10,000 annual coverage, a $500 deductible, and $250 in wellness coverage
Coverage Type Accident-only, accident and illness, wellness Accident and illness, wellness
Waiting Period Accidents: 14 days
Illnesses: 14 days
Accidents: 24 hours
Illnesses: 14 days
Network Size Any licensed vet in the U.S. and Canada Any licensed vet in the U.S.
Final Verdict: Average Coverage With Rising Premiums

Overall, we weren’t all that impressed with Hartville Pet Insurance. While the company does offer lower deductibles and unlimited annual coverage options, the rising premiums for aging pets can make it an expensive proposition to keep your senior cat or dog insured. 

Hartville also falls short with its preventative care coverage. Although it does reimburse you for FDA-approved prescriptions, the fact that it only pays for a set portion of preventive service fees makes it hard to know how much you’re saving.

In short, we recommend you shop around and see how Hartville’s custom policies stack up against the competition. You’ll likely find a little more coverage with more predictable premiums elsewhere, which could better meet your needs and budget.