Hartville Pet Insurance
$15–$65/month
Hartville Review Summary
Hartville Pet Insurance has been operating since 1997, making it one of the oldest pet insurers in the US. Their coverage includes dental illness, hereditary conditions, cancer, and alternative therapies — a solid but not market-leading package. The major story in 2025 is the absorption of 24PetWatch's insurance program into Hartville's platform. For new 24PetWatch policies, this means Hartville branding and underwriting. Unfortunately, the transition has generated significant customer complaints about premium increases and coverage changes, eroding trust built over years of 24PetWatch service. New Hartville customers have a different experience — more positive, with competitive pricing and reliable claims handling. The transition noise will likely subside, and Hartville's long operating history suggests they'll stabilize.
Pros & Cons
✅ Pros
- ✓Long operating history since 1997 — established and financially stable
- ✓Covers dental illness and alternative therapies
- ✓Absorbing 24PetProtect policies — expanded customer base
- ✓Competitive pricing
- ✓No upper age limit
⚠️ Cons
- ✗Recent 24PetWatch policy transitions caused premium increases and customer complaints
- ✗No exam fee or behavioral therapy coverage
- ✗Customer satisfaction ratings have declined during transition period
- ✗Claims processing speed inconsistent during transition
Coverage Details
| Monthly Premium | $15–$65 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $3,000, $5,000, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ alternative therapies
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ exam fees
- ✗ behavioral therapy
- ✗ elective procedures
- ✗ breeding costs
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