Hartville's pet insurance scores 3.9 out of 5 for cats and 3.5 out of 5 for dogs in MoneyGeek's analysis. The company excels in affordability, ranking second nationally for cat coverage and eighth in coverage options for both cats and dogs. Hartville requires a 15-day waiting period for accident coverage, which is longer than some competitors offer.
Hartville Pet Insurance Review
Updated: October 29, 2025
Advertising & Editorial Disclosure
Hartville Pet Insurance Review: Key Takeaways
Hartville ranks second nationally for cat insurance affordability with monthly premiums of $23, while ranking seventh for dogs with $55 monthly premiums.
Ranking sixth for customer experience, Hartville maintains a B rating with the Better Business Bureau and receives mixed customer reviews on third-party platforms.
Ranking eighth nationwide for coverage, Hartville offers accident-only and comprehensive accident-illness plans with optional preventive care add-ons.
Hartville Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 3.86 | 7 |
| Coverage | 2.61 | 8 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 3.50 | 9 |
WHO IS HARTVILLE PET INSURANCE BEST FOR?
Hartville Pet Insurance ranks among the best pet insurance companies for owners wanting affordable deductibles and unlimited annual payouts. The provider covers hereditary conditions, behavioral issues and exam fees without extra charges. Accident coverage includes waiting periods, which may not suit pet parents needing immediate protection.
Hartville Pet Insurance Ratings by State
Hartville provides pet insurance across all 50 states. The company achieves its best overall ranking of fourth place for cats in four states and seventh for dogs in three states. Hartville shows strong affordability performance for cat insurance, ranking second in 26 states and third in 14 states. While it doesn't claim top overall rankings, Hartville maintains consistent sixth-place customer experience ratings nationwide.
Data filtered by:
Overall Score
Dog
| Alabama | 3.50 | 9 |
| Alaska | 3.35 | 9 |
| Arizona | 3.45 | 9 |
| Arkansas | 3.35 | 9 |
| California | 3.85 | 7 |
| Colorado | 3.60 | 9 |
| Connecticut | 3.45 | 9 |
| Delaware | 3.40 | 9 |
| Florida | 3.35 | 9 |
| Georgia | 3.55 | 9 |
| Hawaii | 3.35 | 9 |
| Idaho | 3.55 | 9 |
| Illinois | 3.45 | 8 |
| Indiana | 3.65 | 9 |
| Iowa | 3.65 | 9 |
| Kansas | 3.45 | 9 |
| Kentucky | 3.70 | 9 |
| Louisiana | 3.45 | 9 |
| Maine | 3.60 | 7 |
| Maryland | 3.50 | 8 |
| Massachusetts | 3.65 | 8 |
| Michigan | 3.50 | 9 |
| Minnesota | 3.60 | 9 |
| Mississippi | 3.65 | 8 |
| Missouri | 3.60 | 9 |
| Montana | 3.40 | 9 |
| Nebraska | 3.50 | 9 |
| Nevada | 3.55 | 9 |
| New Hampshire | 3.65 | 9 |
| New Jersey | 3.50 | 9 |
| New Mexico | 3.60 | 9 |
| New York | 3.40 | 9 |
| North Carolina | 3.60 | 8 |
| North Dakota | 3.50 | 9 |
| Ohio | 3.40 | 9 |
| Oklahoma | 3.60 | 8 |
| Oregon | 3.65 | 8 |
| Pennsylvania | 3.50 | 8 |
| Rhode Island | 3.50 | 9 |
| South Carolina | 3.65 | 7 |
| South Dakota | 3.45 | 9 |
| Tennessee | 3.50 | 9 |
| Texas | 3.40 | 9 |
| Utah | 3.50 | 9 |
| Vermont | 3.40 | 9 |
| Virginia | 3.55 | 8 |
| Washington | 3.70 | 9 |
| West Virginia | 3.70 | 9 |
| Wisconsin | 3.40 | 9 |
| Wyoming | 3.65 | 9 |
Hartville Pet Insurance Comparison
See how Hartville pet insurance fares against national competitors below.
Hartville vs. AKC | • Dogs: 3.50 vs. 4.30 • Cats: 3.90 vs. 3.85 | AKC offers stronger coverage and customer experience, but Hartville is more affordable for cats. |
Hartville vs. ASPCA | • Dogs: 3.50 vs. 3.85 • Cats: 3.90 vs. 3.35 | ASPCA is cheaper for dogs, but Hartville offers better cat affordability and ties in customer service. |
Hartville vs. Embrace | • Dogs: 3.50 vs. 2.55 • Cats: 3.90 vs. 2.30 | Hartville beats Embrace in affordability and overall scores for dogs and cats. |
Hartville vs. Fetch | • Dogs: 3.50 vs. 2.70 • Cats: 3.90 vs. 2.95 | Fetch offers better coverage, but Hartville has more affordable rates and better overall performance. |
Hartville vs. Figo | • Dogs: 3.50 vs. 3.60 • Cats: 3.90 vs. 3.80 | Figo provides better coverage, though Hartville is more affordable for cats. |
Hartville vs. Lemonade | • Dogs: 3.50 vs. 4.50 • Cats: 3.90 vs. 4.25 | Lemonade outperforms Hartville in affordability and coverage, earning higher scores for both pets. |
Hartville vs. Liberty | • Dogs: 3.50 vs. 2.65 • Cats: 3.90 vs. 2.30 | Hartville scores higher across categories, the stronger option over Liberty. |
Hartville vs. MetLife | • Dogs: 3.50 vs. 3.05 • Cats: 3.90 vs. 2.40 | Hartville performs better overall. MetLife has poor customer service and high cat costs. |
Hartville vs. Nationwide | • Dogs: 3.50 vs. 2.50 • Cats: 3.90 vs. 2.65 | Hartville beats Nationwide overall, offering stronger affordability and coverage balance. |
Hartville vs. Pets Best | • Dogs: 3.50 vs. 4.05 • Cats: 3.90 vs. 3.80 | Pets Best leads on coverage, but Hartville is more affordable for cats. |
Hartville vs. Pumpkin | • Dogs: 3.50 vs. 3.70 • Cats: 3.90 vs. 4.15 | Pumpkin scores higher overall, but Hartville is more affordable for cats. |
Hartville vs. Rainwalk | • Dogs: 3.50 vs. 4.05 • Cats: 3.90 vs. 3.95 | Rainwalk excels in customer service and coverage, though Hartville maintains an affordability edge for cats. |
Hartville vs. Spot | • Dogs: 3.50 vs. 3.75 • Cats: 3.90 vs. 4.15 | Spot offers better customer experience and scores, but Hartville is slightly more affordable. |
How Much Does Hartville Pet Insurance Cost?
Hartville's pet insurance costs an average of $55 monthly ($665 annually) for dogs and $23 monthly ($277 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $55 | $60 | $665 | $723 | 8% |
| Cat | $23 | $32 | $277 | $379 | 27% |
Hartville Pet Insurance Rates by State
Hartville's premiums vary by state due to local veterinary costs and claim patterns. Cat owners find the most affordable pet insurance in Alabama at $18 monthly, while Maine residents pay the highest rate at $29. For dogs, Arkansas offers the cheapest coverage at $43 per month, compared to Illinois at $70 monthly.
Data filtered by:
Dog
| Alabama | $43 | $516 |
| Alaska | $58 | $695 |
| Arizona | $69 | $822 |
| Arkansas | $43 | $511 |
| California | $60 | $720 |
| Colorado | $67 | $808 |
| Connecticut | $64 | $769 |
| Delaware | $58 | $695 |
| Florida | $66 | $794 |
| Georgia | $49 | $586 |
| Hawaii | $60 | $719 |
| Idaho | $55 | $659 |
| Illinois | $70 | $838 |
| Indiana | $48 | $579 |
| Iowa | $45 | $546 |
| Kansas | $53 | $628 |
| Kentucky | $43 | $516 |
| Louisiana | $47 | $567 |
| Maine | $64 | $764 |
| Maryland | $56 | $668 |
| Massachusetts | $67 | $801 |
| Michigan | $56 | $675 |
| Minnesota | $56 | $671 |
| Mississippi | $46 | $547 |
| Missouri | $44 | $530 |
| Montana | $50 | $597 |
| Nebraska | $51 | $616 |
| Nevada | $57 | $679 |
| New Hampshire | $60 | $718 |
| New Jersey | $63 | $750 |
| New Mexico | $49 | $591 |
| New York | $63 | $751 |
| North Carolina | $49 | $593 |
| North Dakota | $44 | $524 |
| Ohio | $53 | $633 |
| Oklahoma | $46 | $551 |
| Oregon | $65 | $775 |
| Pennsylvania | $58 | $691 |
| Rhode Island | $50 | $596 |
| South Carolina | $50 | $595 |
| South Dakota | $52 | $618 |
| Tennessee | $53 | $628 |
| Texas | $62 | $740 |
| Utah | $53 | $636 |
| Vermont | $55 | $655 |
| Virginia | $58 | $695 |
| Washington | $64 | $764 |
| West Virginia | $45 | $542 |
| Wisconsin | $62 | $742 |
| Wyoming | $50 | $597 |
Hartville Pet Insurance Rates by Breed
Hartville pet insurance costs vary by breed. Cat owners pay $21 monthly for British Longhairs but $31 for Abyssinians. Dog premiums cost $23 for small mixed breeds under 20 pounds and $108 for Bullmastiffs. Price difference is due to your pet's health risks and veterinary costs.
Data filtered by:
Cat
Abyssinian
| Abyssinian | $31 | $371 |
Is Hartville Pet Insurance Expensive?
Hartville ranks second in affordability for cats but seventh for dogs in our study. While cats enjoy strong affordability, dog owners face moderate costs compared to competitors. Use the filterable table below to see actual costs for your pet's age and your preferred deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $67 | $799 | 7% |
Hartville Pet Insurance Discounts
Hartville offers a straightforward multi-pet discount that lowers premiums when you insure more than one pet on your account. The company does not list other standard public discounts on its site; ask Hartville at quote time about any additional savings for military service, employer groups or association members.
Multiple pets | 10% (per additional pet) | Add each extra pet to your account; no limit on how many pets you can insure on the same account. |
Hartville Pet Insurance Customer Service Reviews and Ratings
Hartville ranks sixth nationally for customer service with cats and dogs. The company has an A+ Better Business Bureau rating but mixed feedback on Trustpilot. Reddit users report mixed reviews of Hartville's support team. Some customers praise its helpful representatives. Others cite claim processing delays and inconsistent response quality.
Hartville Trustpilot Reviews
Hartville earns a 3 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. The mixed reviews suggest some customers experience challenges with service quality or claims processes. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Hartville Better Business Bureau Rating
Hartville has an A+ Better Business Bureau rating and accredited business status. The A+ grade is BBB's top rating for trust and customer complaint resolution. BBB accreditation means Hartville addresses customer issues and follows ethical business practices.
Hartville Pet Insurance Reddit Sentiment
Reddit users rate Hartville pet insurance poorly. Six Reddit comments show 33% positive sentiment: two favorable reviews and four negative. Users praise Hartville's customer service and clear policy terms. Complaints cited claim denials and coverage gaps. These varied experiences highlight different outcomes with Hartville's claims process.
Hartville Pet Insurance Coverage
Hartville offers pet insurance for dogs and cats. Pet owners can customize Hartville policies through coverage levels and optional add-ons to match their pet's health needs.
Deductibles | $100, $250, $500 (annual deductible) |
Annual limits | $5,000 up to unlimited (you choose one annual limit; it resets each year) |
Reimbursement rates | 90%, 80%, 70% (you pick at enrollment) |
Coverage for accident-only plan | Exam fees, diagnostics, treatment, surgery, hospitalization, imaging and other costs related only to accidents |
Coverage for accident and illness plan | All accident items plus illness treatment, diagnostics, surgery, prescription meds, advanced care such as chemotherapy and stem-cell therapy, and some alternative therapies |
Pre-existing conditions | Not covered; plan terms and waiting periods determine whether a past issue is excluded |
Bilateral conditions | Standard bilateral-condition rules apply; signs or treatment before coverage can lead to exclusions for the opposite side |
Waiting periods | Complete Coverage and accident-only plans take effect after 14 days; preventive care (if added) begins the next day |
Enrollment restrictions | Policies are available nationwide; underwriting and available terms may vary by state and by underwriter (see policy forms) |
Other notes | Exam fees are included under Complete Coverage and accident-only plans. Preventive care reimbursements follow a fixed schedule; Complete Coverage reimbursements are based on the invoice. Claims should be submitted within stated time frames (check your policy). |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Hartville Pet Insurance Coverage Add-Ons
Hartville provides wellness add-ons that cover routine preventive care for pet owners. These plans include services like dental cleanings, vaccinations and regular wellness exams. The add-ons start immediately after enrollment with no deductibles or waiting periods required.
Basic Preventive Care | Annual budget: $250 (examples from third-party plan samples). May reimburse dental cleaning, wellness exam, deworming, core vaccines, fecal test, heartworm test and basic items up to scheduled amounts. |
Prime Preventive Care | Annual budget: $450 (examples from third-party plan samples). Includes Basic items plus higher limits, possible coverage for spay/neuter or a larger dental benefit, parasite prevention, blood tests, urinalysis and additional vaccines/tests per the schedule. |
Direct payment option/clinic pay | Hartville may offer to pay participating clinics directly for eligible claims instead of reimbursing you first; ask a representative to set this up. |
Is Hartville Pet Insurance Good: Bottom Line
Hartville charges $55 monthly for dog insurance and $23 for cat coverage on average. The company ranks sixth nationally for customer experience but receives low ratings from Trustpilot and maintains a B+ rating with the Better Business Bureau. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as an add-on.
Hartville Pet Insurance Review: FAQ
Find answers to common questions about Hartville pet insurance coverage and policies.
Is Hartville pet insurance worth it in 2025?
Hartville pet insurance is worth considering in 2025, particularly for cat owners. The provider ranks second nationally for cat insurance affordability and maintains moderate customer experience scores across both pets. With competitive premiums averaging $23 monthly for cats and $55 for dogs, Hartville offers reasonable value despite having limited coverage options.
What do Reddit users really think about Hartville pet insurance?
Reddit users rate Hartville pet insurance poorly: 33% positive sentiment (two favorable comments and four negative). Users praise Hartville's responsive customer service and helpful representatives. Complaints cite claims processing delays and restrictive coverage terms for reimbursements.
Does Hartville cover pre-existing conditions for pets?
Hartville excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are excluded permanently, regardless of treatment status.
Can I get a discount for insuring multiple pets with Hartville?
Hartville provides a multiple pet discount when you insure several pets on one policy. The company also offers savings through AAA membership, workplace benefit programs and other qualifying discounts that can help reduce your overall premium costs.
Is Hartville pet insurance available in my state?
Yes, Hartville pet insurance is available in all 50 states. Premiums vary by location. Cat coverage starts at $18 monthly in Alabama but reaches $29 in Maine. Dog insurance ranges from $43 per month in Arkansas to $70 in Illinois, making location a key factor in your final cost.
How We Rated Hartville Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Hartville performs across the following key areas:
Affordability (50% of score): Our analysis examined premium pricing across various pet breeds, age groups and plan options. We incorporated available discounts to reflect what customers actually pay.
Customer Experience (30% of score): This evaluation draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction.
Coverage Options (20% of score): We assessed the breadth of policy benefits, available add-ons and how well the coverage addresses typical pet owner needs.
Our pricing analysis used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed October 31, 2025.
- Trustpilot. "Hartville Pet Insurance." Accessed October 31, 2025.