Hartville Pet Insurance is offered by Crum & Forster Pet Insurance Group, which was founded in 1997 as one of the first providers of pet insurance in the country. This track record of innovation and trendsetting has continued since Crum & Forster’s beginning. For instance, they have been the sole pet insurance industry partner of the ASPCA since 2006, and became the only insurance provider offering stand-alone health coverage for horses in 2017.
Key Facts About Hartville
- Only offers coverage for cats and dogs, no coverage for exotic animals
- Two types of plans available; a) Complete Coverage, b) Accident Only
- On average, Complete Coverage costs $2.65 per day or $79.50 per month
- Online application process
- 10% discount on base plan for multiple pets
Types of Insurance plans
Hartville’s insurance offerings are simple and straightforward. Their main plan is known as the Complete Coverage plan. This covers:
- Accidents (e.g. broken bones, cuts)
- Illnesses, after 14-day waiting period (e.g. diabetes, cancer)
- Ligament and knee conditions, after 14-day waiting period (e.g. anterior cruciate ligament, cranial cruciate ligament, lateral collateral ligament)
- Hereditary conditions (e.g. heart disease, hip dysplasia)
- Behavioral issues (e.g. excessive licking, destructive chewing)
In addition to the Complete Coverage plan, Preventive Care can be added to your pet’s coverage for an additional cost. This helps pay for procedures and services that help keep your pet healthy, such as vaccines, dental cleanings, and wellness exams.
Finally, a more pared-down and affordable option is available with their Accident-Only Coverage. This covers any new injuries and emergencies related to accidents like torn ligaments, bite wounds, cuts, broken bones, and toxic ingestions. This coverage includes exam fees, diagnostics, and treatment.
On May 28th, 2018, we used the Hartville website to generate these sample quotes for informational purposes. See below:
- $64.53 per month for a Washington, D.C. based 1-year-old male Boxer with Complete Coverage. Included, 90% reimbursement, $250 annual deductible, and $10,000 annual limit.
- $23.76 per month for a Louisville, KY based 2-year-old female domestic shorthair cat with Complete Coverage. Included, 80% reimbursement, $250 annual deductible, and unlimited annual coverage.
What isn’t covered?
Hartville has some (fairly reasonable) exclusions. Like all other pet insurance providers, including Healthy Paws and Figo, pre-existing conditions (defined by Hartville as those occurring before effective coverage) are not covered. Additionally, cosmetic procedures like claw removal for cats, tail docking, and ear cropping cannot be paid for using Hartville insurance; breeding and pregnancy costs are likewise excluded from coverage.
Note as well that coverage for accidents starts on the effective date of the policy, while coverage for ligament issues, knee conditions, and illnesses starts 14 days after this date.
Pros and Cons
- Covers even advanced treatments like stem-cell therapy, acupuncture, and chiropractic care.
- On average, Complete Coverage costs only about $2.65 per day (although this price will vary).
- Online quotes are provided for free.
- The Member Center allows for straightforward online self-service.
- Reimbursements, running from 70–90%, are received via direct deposit.
- Receives an average of 4 out of 5 stars from reviewers on TrustPilot, but with only six reviews total.
- Annual coverage limits are high, from $5,000 to unlimited.
- Pre-existing conditions are not included in coverage (although this is typical of all pet insurance companies).
- There is a 14-day waiting period for some types of health issues.
- Their website offers somewhat insufficient detail about the fine print of their plans.
ASPCA Pet Health Insurance, which is associated with the Hartville Pet Insurance Group, receives many very poor reviews on Consumer Affairs and Yelp. Whether this reflects Hartville’s Complete Coverage plan is unclear and warrants further investigation.
Overall, there is relatively little information available about consumer experiences with Hartville’s Complete Coverage Plan. However, consumers’ negative response to ASPCA Pet Health Insurance reflects poorly on the Hartville Pet Insurance Group and is a cause for concern. Be sure to do your research and read the fine print as you’re considering purchasing