Hartville Pet Insurance: A Comprehensive Overview
Hartville Pet Insurance, previously known as 24PetWatch, offers a range of pet insurance plans for cats and dogs. NerdWallet’s editorial team awards Hartville a 5.0 out of 5-star rating, considering factors like consumer complaints and customer satisfaction.
This review will provide a comprehensive look at Hartville’s offerings, helping you determine if their plans are a good fit for your pet.
Key Features
- NerdWallet Rating: 5.0/5
- Annual Maximum Coverage: Unlimited
- Reimbursement Rates: 70%, 80%, 90%
- Deductibles: $100, $250, $500
- Policy Highlight: Covers most curable pre-existing conditions.
Pros and Cons
Pros:
- Unlimited annual coverage available.
- Offers a 24/7 vet helpline.
- Covers most curable pre-existing conditions if symptom-free for 180 days.
Cons:
- Doesn’t cover herbal supplements.
Bottom Line: Hartville provides various coverage options, including accident-only plans and wellness coverage. It’s a solid choice if you are looking for comprehensive coverage and a variety of plan options.
Why Trust NerdWallet?
NerdWallet adheres to strict editorial guidelines to ensure fairness and accuracy in its coverage. Our goal is to provide you with the information you need to choose the financial products that work best for you.
- More than 1,000 rates were analyzed by our specialists.
- Over 25 insurance companies were evaluated. (See our top picks.)
About Hartville Pet Insurance
Hartville Pet Insurance offers plans for cats and dogs starting at 8 weeks old. They offer both accident and illness policies, an accident-only policy, and two preventive care packages. Their complete accident and illness policy covers a wide range of conditions, including vet exam fees, dental disease, behavioral issues, and hereditary conditions. Due to its inclusive plans, Hartville is featured on NerdWallet’s list of the Best Pet Insurance Companies.
Hartville Pet Insurance Plans and Coverage
Hartville provides options to fit various pet needs and budgets.
Complete Coverage
This is Hartville’s standard accident and illness plan, which includes:
- Hereditary conditions.
- Behavioral issues.
- Alternative therapy.
- End-of-life expenses.
- Intravenous fluids and medications.
- Medical supplies, such as casts and splints.
- MRIs, CT scans, and X-rays.
- Poison control consultation fees.
- Prescription food (for covered conditions).
- Prescription medications.
- Stem cell therapy.
- Supplements (for covered conditions).
- Surgery and hospitalization.
- Tooth extractions.
- Vet exams and tests.
- Cancer treatments.
- Microchip implantation.
- Curable pre-existing conditions (if the pet is cured and symptom-free for 180 days).
Note: Ligament and knee conditions are not covered.
Accident-Only Coverage
The accident-only plan covers treatments and services resulting from accidents, such as end-of-life expenses, medical supplies, MRIs, poison control consultation, and tooth extractions.
Preventive Care
Hartville offers two optional preventive care packages, Basic and Prime. These plans offer a set annual budget for treatments without deductibles or copays. The Basic package includes services like dental cleanings, vaccinations, and fecal tests. The Prime plan offers higher annual maximums and covers spaying or neutering.
Note: Coverage options and availability may differ based on your location, your pet’s age, and their breed.
What’s Not Covered
Hartville’s accident and illness plan has some exclusions:
- Certain dental procedures (caps, crowns, root canals, implants).
- Boarding fees.
- Breeding expenses.
- Cosmetic or elective procedures.
- Dental cleanings (unless due to a covered illness).
- Experimental treatments.
- Funeral services.
- Grooming.
- Herbal supplements.
- House call fees.
- Illnesses or injuries resulting from intentional actions or gross negligence.
- Organ or heart valve transplants.
- Incurable pre-existing conditions.
- Training.
The accident-only plan excludes these items as well as treatment for any illness.
Hartville Plan Options
Several factors affect the cost and coverage.
- Deductibles: You can choose an annual deductible of $100, $250, or $500.
- Reimbursement Amounts: Hartville offers reimbursement rates of 70%, 80%, and 90%. Unlike some insurers, the deductible is typically subtracted from your vet bill before applying the reimbursement rate, which can increase your payout.
Example: For a $2,000 vet bill with an 80% reimbursement rate and a $500 deductible:
-
$2,000 vet bill – $500 deductible = $1,500
-
$1,500 x 0.8 (80% reimbursement rate) = $1,200 reimbursement. You’d pay the remaining $800.
-
Coverage Limits: Coverage limits range from $2,500 per year to unlimited. Some limits might only be available by phone.
Restrictions and Waiting Periods
- Age Restrictions: Cats and dogs from 8 weeks of age and up are eligible.
- Waiting Periods: There is a 14-day waiting period for all conditions. Any accidents or illnesses that happen during this period are considered pre-existing conditions.
Hartville Pet Insurance Sample Rates
The cost of Hartville pet insurance varies based on location, coverage, and your pet’s breed and age. Here are some sample monthly premiums:
For Dogs (Katy, Texas):
- French bulldog: Age 2 – $76, Age 8 – $181
- German shepherd: Age 2 – $45, Age 8 – $106
- Golden retriever: Age 2 – $53, Age 8 – $125
- Labrador retriever: Age 2 – $53, Age 8 – $125
- Medium mixed-breed dog: Age 2 – $36, Age 8 – $86
- Poodle: Age 2 – $53, Age 8 – $125
For Cats (Katy, Texas):
- Devon rex: Age 2 – $20, Age 8 – $37
- Domestic shorthair: Age 2 – $20, Age 8 – $37
- Exotic longhair: Age 2 – $38, Age 8 – $68
- Maine coon: Age 2 – $32, Age 8 – $58
- Persian: Age 2 – $32, Age 8 – $58
- Ragdoll: Age 2 – $20, Age 8 – $37
Hartville Pet Insurance Discounts
Hartville offers a 10% discount for each additional pet you insure.
State Availability
Hartville is licensed in all 50 states and Washington, D.C. Availability is subject to change.
Consumer Experience
- Website: Details of each plan and sample policies are available for download. The website also has a member portal to view policies, add pets, submit claims, and access a 24/7 veterinary helpline.
- App: The Hartville smartphone app provides similar features as the web portal, including claim filing, pet additions, policy views, and vet searches in your area.
- Claims: You can submit and track claims via the member portal or the app. They must be filed within 270 days of the service date. Hartville may be able to pay your vet directly upon request.
- Customer Service: Contact Hartville by phone or email. Call centers are open Monday through Friday.
Frequently Asked Questions
- Does Hartville pet insurance cover dental care? The accident and illness plan covers treatment for dental diseases like gingivitis and may cover dental cleaning for covered conditions. However, procedures like caps, crowns, root canals, or implants are not covered.
- Does Hartville cover spaying or neutering? Standard accident and illness policies do not cover spaying or neutering. However, the Prime preventive care package offers a maximum of $150 for these services.
- How do I cancel Hartville pet insurance? You can cancel your policy by email, mail, or phone. You must provide a future date for the cancellation to take effect. Written notifications can be sent via email, fax, or mail.
