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Our experts answer readers’ insurance questions and write unbiased product reviews (here’s how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.
While today’s pet parents take caring for their four-legged friends very seriously, they may also underestimate the cost of owning one. The ASPCA puts a $1,400 price tag on the average annual cost of pet ownership, a figure that’s sure not only to fluctuate based on the size, age, and breed of your pet but also by their age and any accidents or illnesses that come up.
Hartville has been offering pet insurance since 1997. Hartville pet insurance products are underwritten by United States Fire Insurance Company, which has an A (Excellent) financial stability rating from AM Best.
With pet ownership soaring to new heights, the perks of Hartville Pet Insurance — including cash back on out-of-pocket vet bills — are worth looking into. Keep reading to see if it’s the best pet insurance option for you.
Types of Insurance Plans From Hartville Pet Insurance
Pets, like humans, have evolving healthcare needs as they grow. Considering the myriad unexpected events that can occur over the course of your pet’s lifetime, make sure you get the coverage that best meets your needs and your budget.
Hartville offers the following pet insurance plans:
Complete coverage: This plan offers comprehensive medical coverage, from nose to tail, in the event of an accident or illness involving your pet. This not only includes exam fees but also the costs associated with diagnosing and treating your pet when they get hurt (think broken bone, lodged foreign object, or toxic ingestion) or sick (with a UTI, digestive issues, even cancer).
Complete coverage also picks up the tab for advanced and alternative treatments — from chemotherapy to acupuncture — and includes coverage for genetically transmitted hereditary conditions (like heart disease and hip dysplasia) as well as behavioral issues (such as excessive licking and destructive chewing). Exclusions include pre-existing conditions, cosmetic procedures, and the costs associated with breeding.
Accident-only coverage: This coverage includes exam fees and costs associated with diagnosing and treating your pet’s injuries in the event of an accident — from bite wounds to torn ligaments, just to name a few. This is the more bare-bones option.
Both types of coverage will commence on the 15th day following the policy effective date.
Additional Coverage Options (Riders) From Hartville Pet Insurance
Hartville also offers this pet insurance rider:
Preventive care: This add-on, available in three tiers, provides a fixed amount of cash back for a number of routine services intended to keep your pet healthy and protect against illness — from wellness exams and vaccines to routine dental cleaning.
Here’s a breakdown of the three preventive care coverage tiers:
How Much Does Hartville Pet Insurance Cost?
The cost of pet insurance is based upon multiple factors, a trio of which you can customize to best meet your needs and budget. This includes a choice when it comes to your: annual deductible ($100, $250, or $500); reimbursement percentage (70, 80, or 90% of covered costs); and annual coverage limit (from $5,000-unlimited).
The average cost of pet insurance (including both accident and illness coverage) is $53.34 per month, but that average doesn’t take breed and other factors into account.
With Hartville, the average cost of complete coverage for a three-year-old female Golden Retriever in New York City is $90.23 per month; the average cost of accident-only overage for the same pet is $41.90 per month.
The average cost of complete coverage for a three-year-old male German Shepherd in Los Angeles is $42.90 per month; the average cost of accident-only coverage for the same pet is $19.43 per month.
While plan premiums are dependent upon geographic location, and will increase as your pet ages, Hartville says that claims history will never result in reduced coverage or increased premiums.
How to File a Claim With Hartville Pet Insurance
Reaping the benefits of coverage from Hartville Pet Insurance is quick and easy. In the event of a covered visit to your veterinarian, follow these steps:
- Pay your bill in full — and be sure to request an itemized invoice.
- Submit a claim form — via fax (1-866-888-2495); email ([email protected]); or by mail:
Hartville Pet Insurance
1208 Massillon Rd.
Suite G 200
Akron, Ohio 44306
To expedite processing, be sure to:
- Sign your claim form.
- Include copies of paid invoices.
- Attach your pet’s medical records.
- List your account number on all documents.
- Complete your claim within 270 days of treatment.
You’ll get reimbursed depending upon the specifics of your selected deductible and reimbursement percentage.
To check the status of your claim (or to sign up for direct deposit), visit the online Member Center. Still got questions? Call customer service at 1-800-799-5852.
Hartville Pet Insurance Frequently Asked Questions
Your pet insurance policy can be used for treatment at any licensed veterinary clinic or emergency care facility in the United States or Canada. This coverage includes treatment from specialists.
Yes. There is no limit to the number of four-legged friends allowed on a single account, and you get a 10% discount for each additional pet. You can call 1-866-204-6764 to add a new pet or do so online in the Member Center.
You and your pet will need to wait 14 days for your Complete Coverage and Accident-Only Coverage to kick in. If you purchased optional Preventive Care, that takes effect one day after enrollment.
Why You Should Trust Us: How We Reviewed Hartville Pet Insurance
Sorting through pet insurance providers takes time and patience. In compiling this review, we considered multiple factors including the following (in no particular order):
- Policy offerings (both standard and additional)
- Coverage limits and exclusions
- Available options (for deductible and reimbursement percentage levels)
- Waiting periods (for coverage to commence)
- Overall rates and multi-pet discounts
- Reviews and overall customer satisfaction
Read on for more about how we rate insurance products.
How Hartville Pet Insurance Compares
Hartville vs. Lemonade Pet Insurance
Pet parents welcoming a newborn to the fold might be keen on The Puppy/Kitten Preventative Package from Lemonade Pet Insurance, boasting coverage for myriad first-time pet-related expenses from spaying/neutering to microchipping — plus a pair of wellness visits; six vaccinations (or boosters); a pair of fecal/internal parasite tests; and flea/tick and heartworm medications. Lemonade’s additional coverage options — like End-of-life and Remembrance which helps with expenses associated with euthanasia, cremation, even commemorative items like urns and tattoos — coupled with its extremely competitive low prices are alluring for particular pet owners.
All that said, customers keen on zero coverage limits might want to stick with Hartville Pet Insurance and its unlimited coverage which, in the event of a costly chronic condition or one-time accident, can go a long way in avoiding staggering bills. (It’s also why, in side-by-side comparisons, its pet insurance policies will inevitably be more expensive than Lemonade).
Read our Lemonade pet insurance review.
Hartville vs. Fetch Pet Insurance (by The Dodo)
When compared with Hartville Pet Insurance, Fetch Pet Insurance comes with relatively low annual coverage limits (they max out at $15,000); higher deductibles ($300, $500, and $700); and zero wellness options. That said, it offers a few niche benefits not seen elsewhere — like coverage for routine vet visits, boarding/kennel fees up to $1,000, and advertising, in the event your pet is lost or stolen, also up to $1,000.
Fetch also offers FetchForward, a predictive health platform that generates a Fetch Health Report to help pet owners anticipate and understand their companions’ future health concerns and care needs, and DodoVet, a fee-based subscription service boasting unlimited 24/7 virtual veterinary care — from vet-supervised technicians — via video chat, text or phone.
If your pet’s breed is prone to certain hereditary hindrances (including cruciate ligament issues, patella issues, and/or hip dysplasia), you’ll likely want to stick with Hartville Pet Insurance to avoid the long — and painful — six-month waiting period at Fetch. Ditto if access to wellness plans and a 24/7 veterinary helpline rank high on your list of options.
Read our Fetch pet insurance review.
Hartville vs. Pumpkin Pet Insurance
While both pet insurance companies offer comparable accident and injury coverage for cats and dogs, Pumpkin Pet Insurance boasts a generous 90% reimbursement level across the board for pets eight weeks and older — making the company a top pick for senior cat and dog owners.
While Pumpkin is a relative newcomer to the pet insurance game (it was founded in April 2020), its plans are underwritten by the United States Fire Insurance Co., which is a veteran in the insurance industry.
Read our Pumpkin pet insurance review.