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Hartville Pet Insurance Review: Comprehensive Coverage With Short Waiting Periods

Review Updated
Kailey Hagen

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This pet insurer is a good fit for: Those who want comprehensive coverage and those hoping to avoid long waiting periods for conditions like hip dysplasia and ligament coverage

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Pet parents who want quick access to services and solid coverageHartville Pet Insurance
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Hartville Pet Insurance snapshot


Hartville Pet Insurance's average premiums are higher than what many of its competitors charge. This is especially true for older pets.


The company offers a 10% discount for those who insure multiple pets. Many other pet insurance providers have similar discounts.


Hartville Pet Insurance has a surprisingly short waiting period for hip dysplasia and cruciate ligament injury coverage. It's also one of the only pet insurers to offer a flat-rate accident-only policy.

Customer service

There aren't many reviews of Hartville Pet Insurance's customer service. But the ones that exist are largely positive.

Full Hartville Pet Insurance review


  • Short waiting periods for ligament conditions and hip dysplasia
  • Flexible policies
  • Flat-rate accident-only policy


  • Costly premiums

Top perks

Short waiting periods for ligament conditions and hip dysplasia

Hartville Pet Insurance has a 14-day waiting period across the board for all conditions. This is pretty standard for illnesses and a bit on the long side for accidents. But it's an extremely short waiting period for cruciate ligament conditions and hip dysplasia. Many other companies won't cover these conditions if they arise within the first six months of policy ownership.

Flexible policies

It's simple to get a Hartville Pet Insurance policy online and customize it to suit a pet owner's budget. There are two plans with optional wellness add-ons available, and owners can choose the annual coverage limit, deductible, and reimbursement rate that works best for them.

Flat-rate accident-only policy

Policyholders pay the same price for Hartville Pet Insurance's accident-only policy, regardless of their pet's age. This is pretty uncommon, but it's a nice option to have, especially for those with older pets who are costly to insure.

What could be improved

Monthly premiums

Hartville Pet Insurance offers comprehensive coverage, but its policies are more expensive than many of its competitors. This is especially true for older pets. Those on a tight budget may do better with a different company.


Hartville Pet Insurance's rates are more expensive than what many other top pet insurers charge. Below are some quotes for a policy for a three-year-old male golden retriever and American shorthair cat with a $5,000 annual limit, an 80% reimbursement rate, and a $250 deductible.

Average cost for dogs $64.83
Average costs for cats $23.66
Deductible Levels $100, $250, and $500
Reimbursement Rates 70%, 80%, and 90%
Data source: Hartville Pet Insurance.

Alternatives to consider

For those seeking cheaper premiums: Embrace offers some of the most affordable pet insurance premiums on the market, and its policies are pretty comprehensive. However, unlike Hartville Pet Insurance, the company doesn't insure pets older than 15 years.

For those seeking even more flexibility: Lemonade pet insurance offers affordable premiums and a variety of ways to customize their policies. It offers a greater number of reimbursement rates to choose from, and it has a short waiting period for injuries. But it's not available in all states.

Policy options

Accident-Only Coverage

Hartville Pet Insurance's accident-only policy covers injuries and emergencies that arise from accidents, like:

  • Broken bones
  • Bite wounds
  • Cuts
  • Abscesses
  • Lodged foreign objects
  • Toxic ingestions

Complete Coverage

The Complete Coverage policy covers everything the Accident-Only Coverage plan does, as well as illnesses, dental diseases, hereditary and congenital conditions, and behavioral issues. Conditions covered under this plan include:

  • Diabetes
  • Hyperthyroidism
  • Respiratory issues
  • Digestive problems
  • Urinary tract infections
  • Kidney disease
  • Heart disease
  • Eye disorders
  • Hip dysplasia
  • Anxiety
  • Compulsive behavior

Basic Preventive Care

The Basic Preventive Care add-on is an optional protection that adds coverage for the following conditions:

  • Dental cleaning
  • Wellness exam
  • FVRCP vaccine/titer
  • Rabies or FIP vaccine/titer
  • Fecal test
  • FeLV test

Prime Preventive Care

The Prime Preventive Care add-on covers the same things as the Basic Preventive Care add-on, plus:

  • Health certificate
  • Flea/heartworm prevention
  • FeLV vaccine
  • Blood test
  • Urinalysis


Hartville Pet Insurance offers a 10% discount to those who insure multiple pets. This is a pretty standard discount in the industry.

Application process

Pet owners interested in a Hartville Pet Insurance policy can get a quote online. All they have to do is enter their pet's name, age, species, breed, sex, and ZIP code into the form. Then, they can choose the type of coverage they want and add either of the wellness plans if they choose.

Once they've settled on a plan they're happy with, they choose whether to pay monthly or annually. Then, they can purchase their policy directly online. Coverage will go into effect as soon as the 14-day waiting period is up.

What types of pets are eligible for Hartville Pet Insurance?

Like most pet insurance companies, Hartville Pet Insurance only insures dogs and cats. It accepts pets as young as eight weeks old and it doesn't have an upper age limit on older pets. However, premiums will rise over time as pets age, so older pets may be prohibitively expensive to insure.

Customer service and ratings

There aren't a lot of Hartville Pet Insurance reviews online, but the company does have a 4.4 out of 5 rating from Trustpilot. Its parent company, Crum & Forster, also has an A+ Better Business Bureau rating. This suggests most pet owners who choose Hartville Pet Insurance are satisfied with its service.

This pet insurer is a good choice for:

Hartville Pet Insurance is a good fit for:

  • Those seeking comprehensive pet insurance policies
  • Those who don't want to wait six months for ligament and hip dysplasia coverage
  • Those interested in flat-rate accident coverage

But those seeking more affordable policies should check out Embrace or Lemonade instead.