Pet Health Insurance

We offer a great pet health insurance plan and know how important your furry friend can be. Pet health insurance offers policies and options that cover a wide variety of medical expenses:

• Accidents/injury
• Illness
• Hospitalization
• Emergency vet visits
• Surgery
• Vaccinations
• Annual physicals
• Flea prevention
• Dental trauma
• Some alternative therapies

Coverage for accidents and preventive care (if purchased) begins immediately on the plan’s effective date; illnesses and knee/ligament injuries have a 14-day waiting period.

Customers can choose from limits up to $15,000, with an annual deductible of $100, $250 or $500. Depending on the plan, eligible charges will be reimbursed at 70%, 80% or 90%. A package covering preventive care (with no deductible) is available for an additional cost. Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet qualifies the customer for a 10% discount.

Although premiums will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet’s age or health.

Pre-existing conditions, cosmetic procedures and/or costs associated with breeding or pregnancy are not covered; waiting periods may apply, and products and discounts are subject to change.

Claims are handled via reimbursement to you.

Here’s how it works:

• Customer takes their pet for a covered treatment
• Pay the vet bill
• Submit a claim to be reimbursed

That’s it! After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the cost, based on the level selected when the policy was purchased. Reimbursements can be deposited directly into a customer’s bank account or sent via check. Typically, it takes 14-16 business days to process a claim. Customers can call Hartville at 1-855-290-8494 with questions about the policy or a claim, or log into their online account to download a claim, track the status of a claim, sign up for direct deposit for claims and more.