Hartville, one of the biggest pet insurers in America, offers a wide range of coverage that can keep your dog and cat happy and healthy. Reviews online show that the company has an excellent reputation in terms of customer service.
Hartville policies cover many costs associated with your pet's medical and health needs. These include emergency care, surgical procedures, diagnostic tests, and veterinary medications. It also includes coverage for hereditary conditions and behavioral problems.
All 50 states, the three territories and Canada offer insurance. You can use the policy at any licensed and contracted veterinary clinic.
Hartville provides dental and preventative plans in addition to illness and accident coverage. By preventing disease and illness, these types of plans will save you money.
Hartville offers a simple mobile app that makes choosing the right plan for your pet easy. You can even set up direct deposit and receive reimbursements in a more timely manner.
The company's main focus is on customer service and customer satisfaction, as shown by the BBB rating it holds and the stellar Trustpilot ratings based on 197 reviews. The staff are friendly, knowledgeable and responsive.
Hartville Insurance is part of Crum & Forster Pet Insurance Group. This group also contains ASPCA Pet Health Insurance Premier Pet Insurance, Petshealth Care Plan, and Petshealth Care Plan.
Its prices are competitive, starting at around $4 per month for an accident-only coverage plan and up to around $45 for a complete pet health policy. Hartville, in addition to offering a short waiting period, offers many benefits that their competitors do not, including behavioral counseling and microchipping.
The cost of the pet insurance can be prohibitive for many. This is especially true for the most affordable policy, which only covers accidents and illnesses.
You will be charged deductibles, copayments and monthly fees for all claims. Add preventive health care packages to your policy for an additional cost.
Hartville requires that if your pet has a condition which is pre-existing, you submit a certificate of health from your previous veterinarian, as well as vaccination records. Hartville's staff will review your claim after you have provided the necessary information.
After your claim is processed you will receive an email with a check. You can also track the progress of your claim through the company's member portal or smartphone app.
It's vital to carefully read the terms and conditions of any pet insurance policy before you sign up. You'll avoid any unexpected surprises once the reimbursements start coming in.
Also, you should read the list exclusions of any pet insurance provider before signing on. These exclusions can include cosmetic procedures, genetic conditions, and breeding expenses.