Hartville Pet Insurance Review

happy pug with hartville pet insurance

Hartville Pet Insurance, located in Cleveland, Ohio, has been in the pet insurance business since 2006. They were the first insurer to partner with the American Society for the Prevention of Cruelty to Animals (ASPCA) to help maintain the health and well-being of all animals.

Hartville Pet Insurance LogoIn 2013, PetPremium began administering Hartville’s policies, which are available to owners of cats and dogs.

Hartville is well-known in the pet insurance industry. However, in order to find the best pet insurance company, it would be a good idea to look into the competition before settling on a provider.

Consider the coverage options that are available from one provider to another, your deductible and reimbursement percentage, as well as the pros and cons of purchasing pet insurance.

Hartville Pet Insurance is ideal for pet owners whose cats or dogs suffer from behavioral issues and hereditary conditions since these are covered in its Total Coverage Plan. This plan is the company’s standout product.

Like most top pet insurance companies, Hartville doesn’t pay for prosthetics, but a few of its competitors do.

When compared to other large pet insurance companies, PetPremium, the company that administers Hartford plans, received an average rating of 5.5 out of 10 by ConsumersAdvocate.

Hartville Pet Insurance Coverage Options

Hartville Pet Insurance offers a wide variety of services for cats and dogs. Policyholders can choose the Complete Coverage policy if they want standard medical care coverage. This includes illness, accidents, hereditary conditions, and behavioral issues.

Like many other top pet insurance companies, Hartville offers an additional wellness plan that gives you a fixed reimbursement for certain Preventive Care items, such as dental hygiene, vaccines, and wellness exams, all for an additional monthly fee.

The company is one of the few major pet insurance companies to offer an accident-only option for diagnostics and treatment in the event of an unforeseen accident.

By offering such a wide range of options, Hartville ensures that each policyholder can customize their coverage to fit their individual needs and budget.

Hartville policyholders can select the veterinarian they like the most, instead of having to choose from a pre-approved network of veterinary offices. This provision is standard in the pet insurance industry, and most competing companies don’t restrict their customers to a specific network of veterinarians either.

Hartville Complete Coverage

Complete Coverage, the most popular comprehensive plan available from Hartford, reimburses customers for most expenses incurred from medical conditions, accidents, hereditary conditions, and behavioral issues. Preventive Care helps defer the cost of regular checkups and preventive care but isn’t much different from paying as you go for these services.

happy pug with hartville pet insuranceBelow is a list of the conditions and treatments covered by Hartville Pet Insurance for cats and dogs, administered by PetPremium:

  • Medical conditions covered
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental illness

Medical Treatments Covered

  • Diagnostic testing
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative care
  • Behavioral therapy

Note that Hartville also covers alternative care and behavioral therapy, which can be expensive and are not covered by many other pet insurers.

Complete Coverage Exclusions

No pet insurance provider covers preexisting conditions, but an injury or illness that is healed or cured for 180 days is no longer considered a preexisting condition by Hartville.

  • Cosmetic procedures such as tail docking, ear cropping, and claw removal
  • Breeding costs
  • Coverage for preventive care, like annual wellness exams, screenings, and vaccines, isn’t included.

Hartville Preventive Care Program

Hartville has a Basic Preventive Care plan for about $10 and a Prime Preventive Care plan for about $25. The actual premium varies for cats and dogs based on their age and breed.

Basic Preventive Care Coverage

  • Dental cleaning
  • Wellness exam
  • Deworming
  • Health certificate
  • Flea/heartworm prevention
  • DHLPP vaccine/titer
  • Rabies or Lyme vaccine/titer
  • Bordetella vaccine/titer
  • Fecal test
  • Heartworm test
  • Blood test
  • Urinalysis
  • Total annual benefit

Prime Preventive Care Coverage

  • Dental cleaning or neuter
  • Wellness exam
  • Deworming
  • Health certificate
  • Flea/heartworm prevention
  • DHLPP vaccine/titer
  • Rabies or Lyme vaccine/titer
  • Bordetella vaccine/titer
  • Fecal test
  • Heartworm test
  • Blood test
  • Urinalysis

Enrollment and Waiting Periods

New policies are available for pets from eight weeks old, up to 12 years for dogs and 14 years for cats. Many competitors have similar age caps, but several others also offer new policies to pets of any age. For this reason, Hartville stands in the middle of the pack among pet insurers, with competitors Pets Best and Progressive outshining the competition in this field.

The waiting period of 0 days for Hartville Pet Insurance is well before the industry standard, although some competitors also provide accident coverage immediately after enrollment. Banfield, for example, also has a no-waiting period for its wellness care. However, its 30-day wait for illness coverage is quite prohibitive, with the average delay for pet insurance medical care being 14 days or less.

How Much Does Hartville Pet Insurance Cost?

When you need medical, accident, or preventive care insurance for your cat or dog, remember to compare several major competitors to find the best coverage available for your specific situation.

Several factors may impact your rates when shopping for pet insurance. Hartville Pet Insurance lets you customize your plans in order to secure the ideal type coverage for your pet—and for your wallet.

Finding a comprehensive insurance policy that covers a wide array of treatment is essential when looking for the best insurance for your pet, but you also have to make sure the policy you purchase comes from a reliable insurance provider. When comparing the costs of major insurance providers, most pet owners see a substantial difference in the quotes and services provided by insurers.

Typically, this difference is a result of different underwriting processes among companies, as well as your pet’s age and health, geographic location, the deductible, and reimbursement rate, and the annual or per incident coverage cap on the plan you select.

Few competitors have more affordable basic medical coverage than Hartville’s. Its monthly premiums are among the lowest at $12.28 for dogs and $9.83 for cats. These minimums are quite a bit less than the national average monthly premium, which is $44.66 for dogs and $27.93 for cats for basic accident and illness coverage.

The prices shown for Hartville are the baseline for a young pet in good health and for selecting the Complete Coverage plan at the lowest end of the coverage spectrum. Pet owners with younger animals who pick the highest deductibles, the lowest reimbursement rates, and other cost-effective choices will receive the lowest possible price for the plan’s medical component.

In contrast, if Hartville policyholders want the highest level of reimbursement, which is 90 percent, they can expect a higher premium than someone who chooses the lowest reimbursement, which is of 70 percent. The lowest deductible is $100 and the highest $500; a lower deductible results in a higher premium. This correlation is standard across most companies in the pet insurance industry, and this base rate gives you an idea of how Hartville compares to its competitors and the national average.

Hartville has varying per-incident cap limits. The lowest is $2,500, and the highest is unlimited, which is a compelling feature of the Hartford plan. The coverage cap is the maximum amount the company will pay for all of the incidents and requested services in a year. For owners whose pets suffer from multiple or chronic health issues, this is something to take into serious consideration.

The $2,500 limit carries decent deductibles that cap at $500 and are above par for the industry. Depending on the options chosen by pet owners, Hartville Pet Insurance coverage has a reimbursement range of 70 to 90 percent.

Online Quoting and Enrollment

Hartford has a robust online enrollment tool that let you get quotes quickly and easily at any time. Since quotes are saved, you can always go back to the site to check them when comparing costs among competitors.

Hartville, through the PetPremium administrator, offers a 10 percent discount for enrolling multiple pets.

Hartville Pet Insurance Claims Process & Customer Service

Hartford pet insurance plans are administered by PetPremium, which processes and pays out the company’s claims. Claims can be submitted via mail, email, or online form and must be filed within 270 days from the date of service. The company doesn’t provide a claims turnaround estimate, but that is relatively common in the industry.

Member Center Perks

Once enrolled, Hartford grants you access to The Member Center, an online account management tool that helps users perform the following tasks:

  • Add a pet to your account
  • Locate a nearby vet clinic
  • Pay your bill
  • Set up direct deposit
  • Sign up for paperless communications
  • Submit and track the status of claims
  • Update your contact information
  • View your policy

Hartville Pet Insurance has received a rating of A+ from the Better Business Bureau. No official complaints were filed with the BBB regarding Hartville Pet Insurance, which places the company high above most of its competitors in this field.

The Crum & Forster Pet Insurance Group includes Hartville Pet Insurance, Pet Insured, PetPremium Pet Health Insurance, Petshealth Care Plan, ASPCA Pet Health Insurance, and Premier Pet Insurance. It and all of its affiliates are part of the North American Pet Health Insurance Association. The group is highly regarded by customers, as shown by online reviews.

NAPHIA offers the Pet Health Insurance Buying Guide to help you consider all your options when choosing coverage for your pet.

Hartville Phone Number & Contact Information

You can visit the company’s website to get online quotes or call for answers to specific questions. Be sure to compare Hartville to several other providers before determining what’s right for you and your pet.

In addition to getting insurance for your cat or dog, be sure to set up appointments to safeguard their dental and medical well-being.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.