Hartville Pet Insurance

Our Review of Hartville Pet Insurance

A separate brand within the umbrella of Crum & Forster Pet Insurance Group, Hartville Insurance is a strong national pet insurance provider with strong financial backing and a diversity of coverage categories and options. It is one of the few U.S. pet insurance companies that provides three different categories of reimbursement, giving customers the ability to choose between 70%, 80%, and 90% annual reimbursement.

Hartville thus presents a versatile menu of options for customers across the United States that gives them a strong market strength, helping to earn them an A+ rating from the Better Business Bureau. Their devotion to local animal and human-centric charities in their Akron, OH home as well as internal working conditions at their home offices show Hartville to be a conscientious company that truly cares for pets and people. 

Breadth of Coverage

Hartville offers a sizable range of coverage for both cats and dogs, though in keeping with many other national insurance companies in its class, it does not provide options for exotic pets. There are no age or breed limits: whether cat or dog, old or young, and no matter the breed or mix, Hartville has coverage plans available. Based in Ohio, Hartville provides coverage across the United States and also features a comprehensive list of products, including Accident-Only, Complete (Accident and Illness), as well as two optional coverage sets for preventative care.

While obtaining a quote, users can opt to enroll in the Accident-Only coverage option, which covers exam fees and costs of diagnostics and treatment of accidents such as broken bones, bite wounds, cuts, abscesses, toxic ingestions, and lodged foreign objects.

The Complete Coverage option covers accidents described above as well as illnesses, hereditary conditions, and behavioral issues.

Exclusions for both plans include pre-existing conditions, cosmetic procedures, and breeding costs.

The optional Preventative Care add-on offers fixed-amount reimbursement services such as wellness exams, vaccines, and dental cleaning.

Get a personalized quote by answering a few simple questions.

Accessibility of Products

While Hartville’s products are largely accessible thanks to their tiered approach to coverage, low entry price points come at the cost of higher deductibles and lower reimbursement rates, with the lowest plan for dogs coming in at just around $50 per month. Payments can be made through all major credit cards, check, and direct deposit through the bank. Customers may switch or adjust their plans for their pets by submitting a written email request to Hartville. Based on Hartville’s website, there does not appear to be any group discount available of any kind, and no special code or discount field available on the purchasing page.


Hartville’s unique tiered approach to pricing is fairly visible throughout the site. The Our Plans page shows the three Annual Deductible and Reimbursement Percentage options clearly and easily simply by scrolling down the page. Clicking the “Get a Quote” button allows you to get a customized quote for your pet based on their age, species (cat/dog) and breed or mix, and allows users to choose which combination of deductible/reimbursement works for them. Users must provide their name and email address to obtain a quote, and every email saves your quote and allows you to return to it for completion at a later time. With every quote, users can then obtain a sample policy that provides the details for them to read over before purchasing. The policy details are clear and accessible throughout the shopping process.

Ease of Use

Hartville Pet Insurance’s website is easy to navigate and read, and operates smoothly on both mobile and desktop platforms, loading quickly in both cases. Throughout the page, Hartville provides numerous opportunities for customers and prospects to get pricing quotes. On the landing page, they provide the essential details on their coverage plans, with a clear slant towards their Complete Coverage (Accident and Illness) option. A list of limitations and what is not covered by insurance is also available in the Our Plans page. However, there are no links to customer reviews of any kind anywhere on the Hartville website. 

By filling in their names, email addresses, and pet details, users can obtain a quote within minutes from the site, and the quote is saved to give them more time to complete the application process. Upon purchasing a plan through Hartville, customers may register on the Member Center app (available through the website and on mobile), which allows them to submit and manage claims electronically.

Get a personalized quote by answering a few simple questions.

Community Support

Unlike most other national pet insurance providers in its class, Hartville Pet Insurance does not have a blog on their main page. Instead, they have seven articles on the Pet Insurance Education page that focus exclusively on financial aspects of pet ownership (with one article examining the COVID-19 situation). However, the tone and attention to detail in those articles, as well as in the About Us page, seem to indicate that Hartville Pet Insurance has a basic concern about the welfare of animals.

According to their About Us page, Hartville Pet Insurance is based in Akron, OH, and has a large engagement with their local community. They provide on-site volunteers for local charities devoted to both animals and human causes alike, and help support fundraisers and donation drives. 

Hartville has also been the recipient of the Northcoast 99 “Best Places to Work” for three years in a row, as well as other accolades from other professional organizations from across the U.S. Finally, Hartville’s parent company, Crum & Forster Pet Insurance Group, is the only national provider that offers insurance products for horses under its ASPCA Pet Health Insurance Brand.

Business Strength

Hartville Pet Insurance operated under its own name until the brand was acquired by Crum & Forster Pet Insurance Group. Since 2006, all of Hartville’s Pet Insurance products have been underwritten by the United States Fire Insurance Company, which bought out Crum & Forster but continues to operate them. As Crum & Forster was founded in 1997, this gives Hartville 23 years’ worth of cumulative experience in the pet insurance industry as well as substantial financial backing on a national scale.

Further, Crum & Forster’s partnership with the ASPCA (via their ASPCA Pet Health Insurance Board brand) to provide insurance coverage for horses gives them a unique value proposition, as they are the only national company in the United States who are doing so. With their A+ rating in the Better Business Bureau (BBB), flexibility of products and options for customers, and ease of access, Hartville Pet Insurance demonstrates strong market value that undoubtedly makes them a significant player in the national pet insurance market.