Hartville Pet Insurance Logo

Hartville Pet Insurance

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LAST UPDATED: June 27th, 2019

Hartville Pet Insurance is a brand offered by Crum & Forster Pet Insurance Group. Founded in 1997, Crum & Forster Pet Insurance Group boasts being one of the original pet insurance providers. In 2006, Crum & Forster became the only partner of the American Society for the Prevention of Cruelty to Animals (ASPCA) in the pet insurance industry. In 2017, the company became the only pet insurance provider to offer stand-alone health coverage for horses, which is under the ASPCA Pet Health Insurance brand.

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The Good

  • Coverage Options
  • Online Quoting and Enrollment
  • Member Center

Coverage Options

Hartville Pet Insurance offers several coverage plans. The Complete Coverage includes the exam fees, costs of diagnostics, and treatments. The insurance coverage also covers treatments as advanced as chemotherapy and stem-cell therapy and alternative treatments. Pet owners can expect the Hartville Pet Insurance Complete Coverage to cover some of these common issues:


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


  • Digestive problems
  • UTIs
  • Diabetes
  • Gingivitis
  • Hypothyroidism
  • Cancer

Hereditary Conditions

  • Heart disease
  • Eye disorders
  • IVDD
  • Hip dysplasia
  • Behavioral Issues
  • Excessive licking
  • Fur pulling
  • Destructive chewing
  • Tail chasing

Pet owners have the option to add Preventive Care to their coverage for an additional cost. The Preventive Care plan coverage includes the following:

  • Dental cleaning
  • Annual exam
  • Heartworm/flea prevention
  • Deworming
  • Canine heartworm or feline FELV
  • Blood tests
  • Urinalysis
  • Vaccinations

Accident-Only Coverage is also available. If a pet sustains any unexpected or unintended injuries, Hartville Pet Insurance will reimburse pet owners for the costs. Eligible accident expenses are as follows:

  • End of life expenses
  • Intravenous (IV) fluids and medications
  • Medical supplies ( bandages, casts, splints, etc.)
  • MRI or CT scans and X-rays
  • Poison control consultation fees
  • Stem cell therapy
  • Supplements to treat a covered condition
  • Surgery and hospitalization
  • Tooth extractions
  • Microchip implantation

Online Quoting and Enrollment

Pet parents can receive a quote and enroll from any device. Hartville Pet Insurance quotes are saved and easily accessible, so pet parents can take their time researching and comparing the coverage information in their quote engine before enrolling.

Member Center

After enrolling for a Hartville Pet Insurance plan members will have access to the online Member Center. The account management tool is easy to use and it can be used from any device to do the following:

  • Submit and track the status of claims
  • Set up direct deposit
  • Pay your bill
  • Add a pet to an account
  • Update contact information
  • Locate a nearby vet clinic
  • View a policy
  • Sign up for paperless communications

Whether submitting a claim or reviewing benefits, Hartville Pet Insurance’s services are streamlined for minimal disruption of a busy schedule.


The Bad

  • Hard to Find Information
  • No Mobile App

Hard to Find Information

Hartville Pet Insurance has its coverage plans listed, but there are a few missing details that would be beneficial for pet owners to know. Information about waiting periods, money-back guarantees, estimated costs, veterinarian specialists, emergency care, and the renewal process would be useful information to state on the main page. However, to find this information, pet parents have to either call, sign up for a quote, or view a sample pet insurance plan. Adding a “Frequently Asked Questions” section would also help to answer some of the more common questions people have when considering pet insurance.

No Mobile App

While there is an online Member Center that allows pet owners to view all information pertinent to their coverage, there is no mobile app. This would be a useful feature for pet owners as they could easily login and view their information from their cell phone.


The Bottom Line

Hartville Pet Insurance is a solid option among pet insurance providers. With complete coverage, accident coverage, and preventive care for both dogs and cats, pet owners can get their pets the veterinary care needed.

However, before signing up, pet owners should take a look at the exclusions, ask about the waiting period, which licensed veterinarians pet owners can take their pets to, and what else is covered to be sure they are getting the best coverage for their dog or cat.

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