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Partner Profile: Hartville

Published: February 2021

Meet Hartville Pet Insurance

As one of the original pet insurance providers in the U.S., the Hartville Pet Insurance program has a long history and proven track record of helping pet owners provide the best care possible for their beloved companions. From minor conditions to major emergencies, Hartville Pet Insurance plans are loaded with benefits that customers can count on to protect their pet and their pocketbook when health issues arise.

Hartville Pet Insurance Program Overview

Hartville Pet Insurance is a brand provided by Crum & Forster Pet Insurance Group™ through its licensed agency. Founded in 1997, the team at Hartville has been in the pet protection business for well over two decades. They were among the earliest insurance providers dedicated to pet insurance.

An experienced team of passionate pet parents, they take pride in community outreach and employee-driven volunteering, donating time and financial support to numerous charities including those that benefit animals.

As stated on the Hartville Pet Insurance site, the Crum & Forster Pet Insurance Group defined, and continues to define, what quality coverage and service means, with improved pet insurance plans that offer more of what their customers want and need. Plans are underwritten by United States Fire Insurance Company.

Hartville Pet Insurance Plans and Coverage

Complete CoverageSM is Hartville’s flagship insurance plan for dogs and cats of all ages. It provides extensive coverage1 for accidents and illnesses that could occur throughout your pet’s lifetime, from minor to serious, from common to rare.

Not all pet insurance providers include coverage for things like exam fees for covered conditions, hereditary conditions and behavioral issues (or they’re offered as an add-on for additional cost), but with Complete CoverageSM you’re covered for those and more. Plus, pre-existing conditions are handled in a unique way that differs from many others in the industry. For coverage just for injuries, an accident-only plan is available as well. An optional preventive care benefit for routine services can be added to any Hartville Pet Insurance plan at an additional cost.

Like all pet insurance, Hartville Pet Insurance plans are structured as reimbursement-based coverage for vet bills when your pet gets hurt or sick. Visit your vet, pay the bill, submit a claim, and receive reimbursement. There are no networks, so you can use any licensed vet of your choice in the U.S. or Canada.


Coverage and Plan Highlights

coverage for

Dogs / Cats

Plan Types

Accident / Illness

Accident Only


Optional Preventive Care Benefits

Hartville Pet Insurance Plan Customization Options

For some pet owners, having the most comprehensive coverage available is a top priority; for others, budget is a significant factor. Many pet owners fall somewhere in between, which is why Hartville Pet Insurance gives you the flexibility to create a custom plan that fits your unique situation.

There are customizable options for the annual limit, deductible and reimbursement percentage.

The annual limit, which resets yearly, is the maximum amount the plan will pay toward covered expenses in a policy year. Hartville Pet Insurance plans offer several options ranging from $2,500 to unlimited. They offer the unlimited option for maximum financial protection in the event of an extremely expensive or catastrophic condition. The higher the annual limit, however, the higher the monthly premium. There are no lifetime plan limits, regardless of the annual limit you select.

The annual deductible is the amount you pay toward covered expenses in a year before being eligible for reimbursement. Choose from $100, $250 or $500 for your Hartville Pet Insurance plan.

The reimbursement percentage is the amount you will be reimbursed for covered expenses after meeting your deductible. Hartville Pet Insurance plans offer a choice of 70%, 80% or 90% for reimbursement.

Plan Customization Highlights

Annual Limits

$2,500, $3,000, $5,000, $7,000, $10,000 and Unlimited

Annual Deductibles

$100, $250, $500

Reimbursement Level

70%, 80%, 90%

Hartville Pet Insurance Coverage Details

Hartville Pet insurance takes care of many of the same things you’d expect from your own health insurance when you are hurt or sick. Whether your pet has an accident resulting in a broken bone or an illness like diabetes or hypothyroidism, it’s covered along with a host of other diseases and conditions that can put a financial strain on pet parents who do not have insurance. 

Treatment options like chemotherapy, stem-cell therapy, acupuncture, and end-of-life care are also included—things not all pet insurance providers offer in their plans. Hartville Pet Insurance plans also cover hereditary and congenital conditions, and behavioral problems like tail-chasing or destructive chewing. From everyday health issues to the unexpected, your pet is protected.


Coverage Highlights1

Accidents & Illnesses

Surgery & Hospitalization

Exam Fees*

Chronic Conditions

Dental Disease

Alternative Therapies


Hereditary & Congenital Conditions

Prescription Medications


Emergency Clinic Visits

MRI, CT Scans & X-Rays

Behavioral Issues

Lab Fees*

End-of-Life Expenses

Diagnostic Screenings & Bloodwork


*Exam fees and lab fees for covered conditions only.

Hartville Pet Insurance Sample Plan Pricing

Like other pet insurance plans, the price of a Hartville Pet Insurance plan is based on variables including your pet’s breed and age, your zip code, and how you customize your plan.

Monthly premiums are on the higher side, particularly for senior dogs and cats, as evident when toggling with the variables using the Hartville Pet Insurance online quoting tool. While there are no maximum age limits and Hartville Pet Insurance will never cancel or downgrade your coverage due to age, Hartville plan premiums steeply rise as your pet ages.

Here are sample monthly premiums2 for Hartville Pet Insurance plans, based on the lowest and highest plan pricing and customization options for a mixed breed dog or cat in an average metropolitan area.


Age 1

$25.97 – $117.16

Age 5

$31.54 – $142.26

Age 7

$44.52 – $200.84


Age 1

$12.72 – $60.13

Age 5

$14.83 – $70.15

Age 7

$19.07 – $90.19

Hartville Pet Insurance Enrollment and Waiting Period

Dogs and cats, of any breed, ages eight weeks and older at the time of enrollment are eligible for a Hartville Pet Insurance plan. There is a 14-day waiting period across the board for coverage. Compared to some other pet insurance providers, Hartville’s waiting period for ligament and knee conditions is shorter. Any condition that occurs prior to or during the waiting period is considered a pre-existing condition and excluded from coverage. Learn more about coverage for pre-existing conditions in the Hartville Pet Insurance Coverage Exclusions section below.


Enrollment and Waiting Period Highlights

Minimum Enrollment Age

8 Weeks

Maximum Enrollment Age 


Accident Waiting Period 

14 Days

Illness Waiting Period 

14 Days


Hartville Pet Insurance Coverage Exclusions

While Hartville Pet Insurance plans include an expansive list of benefits, there are exclusions1 to what’s covered. Examples include breeding, grooming, cosmetic procedures and pre-existing conditions. These exclusions are the norm for all brands of pet insurance.

Pre-existing conditions that occur before coverage begins, or during the waiting period, are not covered by your Hartville Pet Insurance plan. However, unlike most other companies, a curable injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.


Exclusions Highlights

Pre-Existing Conditions

Anal Gland Expression


Dental Cleanings

Preventive Care


Experimental Treatments



For a full list of plan exclusions, please see policy details:

Hartville Pet Insurance Optional Preventive Care Coverage

For vaccines, dental cleanings, annual wellness exams and more, optional coverage for routine and preventive care can be added to any Hartville Pet Insurance plan. For an additional monthly charge of $9.95 for Basic or $24.95 for Prime, you receive reimbursement up to a scheduled amount for the items listed. There’s no deductible and no waiting period. Note: Rates in Florida and Washington differ. 

Optional Preventive Care Highlights



Wellness Item

Annual Limit

Annual Limit

Dental Cleaning or Spay/Neuter



Wellness Exam






Health Certificate



Flea/Heartworm Prevention



DHLPP or FVRCP Vaccine/Titer



Rabies or Lyme/FIP Vaccine/Titer



Bordetella Vaccine/Titer or FeLV Vaccine



Fecal Test



Heartworm Test or FeLV Test



Blood Test









Hartville Pet Insurance Claims and Customer Service

Getting a quote and applying for coverage is easy using the Hartville Pet Insurance website. Once enrolled, pet owners have access to the online Member Center from any device. Use the Member Center to manage your account, find a vet, review benefits, file claims and track claims status. Claims can also be submitted via email, fax or postal mail. Choose to have your reimbursements deposited electronically to your bank account or to receive a check by mail.

Contact Hartville Pet Insurance


1-800-799-5852 Contact Center

Claims Fax


Claims Administrator Address

Hartville Pet Insurance 1208 Massillon Rd., Suite G 200 Akron, Ohio 44306

Hartville Pet Insurance Underwriting and Administration

Products are underwritten by United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company (2020).

C&F Insurance Agency, Inc. administers the plans by handling claims, billing, customer service and sales. C&F Insurance Agency, Inc. is authorized to sell insurance in all 50 states and the District of Columbia.

Hartville Pet Insurance Additional Perks

Hartville Pet Insurance offers a generous 10% multi-pet discount1 on the second pet on up that you enroll, which saves you money on your overall monthly premium. This is a higher percentage than some other providers may offer, but it’s important to note that some other providers offer a multi-pet discount on every pet on the plan, including the first.

There are a lot of pet insurance providers to choose from and Hartville Pet Insurance wants you to be confident in your decision to choose them. They offer a 30-day money-back guarantee if you change your mind, and will refund the premium paid if no covered expenses have been applied to your deductible or have been reimbursed prior to cancelation. However, the 30-day money back guarantee is not available in New York.

The Hartville Pet Insurance Member Center is a convenient online tool for account management. It’s easy to navigate and you can access it 24/7 from any device. View your policy, pay your premium, submit claims, even add a pet to your plan.



Additional Perks Highlights

10% Multi-Pet Discount

24/7 Customer Portal

30-Day Money-Back Guarantee

Hartville Pet Insurance Final Thoughts

The Hartville Pet Insurance program has established itself as one of the most experienced pet health insurance providers in the U.S. They offer some of the most comprehensive benefit packages in the industry, and take a unique approach in addressing pre-existing conditions. Higher annual benefit limits, including an unlimited option, differentiate them from some of the pack. While the cost may be higher for a Hartville Pet Insurance plan, there is a lot to like about this provider. Visit to get a quote and learn more.

1Hartville Pet Insurance products, schedules, rates and discounts may vary and are subject to change. For more information, important terms and policy details, click here:
2Sample plan premiums shown are for illustrative purposes only. Actual plan premiums are based on variables including but not limited to species, breed, age and gender of pet, zip code where the pet resides, and customizable plan options selected. To view Hartville Pet Insurance sample plans for dogs and cats, click here:

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