HartVille Pet Insurance



About HartVille Pet Insurance

Founded in 1997, Hartville Pet Insurance is a seasoned player in the pet insurance sector, operated by PTZ Insurance Agency, Ltd. Although the agency has changed hands multiple times over its lifespan, it has never wavered from its core mission: safeguarding the well-being of countless pets. The organization has been a trailblazer in shaping quality pet insurance coverage and continues to innovate by updating its plans to align more closely with customer needs. Not just content with offering insurance, Hartville provides a transparent and educational enrollment process. Their Member Center allows clients the autonomy to self-manage their accounts, and the company remains committed to enhancing customer service by adopting emerging support technologies.

Frequently Asked Questions

Navigating the world of pet insurance can be a daunting task. With so many options available, how do you choose the right one for your furry friend? HartVille pet insurance has emerged as a popular choice for many pet owners, and in this article, we’ll delve deep into the frequently asked questions about their offerings.

What is HartVille Pet Insurance, and How Does It Work?

HartVille pet insurance is a comprehensive insurance plan designed to provide financial support for pet owners in the event of unexpected medical expenses. The way it works is simple:

  • HartVille offers extensive coverage options, including accidents, illnesses, and preventative care.
  • Policyholders have the freedom to choose any licensed veterinarian nationwide.
  • After the vet bill is paid by the policyholder, HartVille provides reimbursement based on the chosen plan.

What Does HartVille Pet Insurance Typically Cover?

HartVille’s coverage is comprehensive, encapsulating:

  • Hereditary conditions, behavioral issues, alternative therapy, end-of-life expenses, and surgeries.

Does HartVille Offer Coverage for Routine Check-ups?

Yes, HartVille offers coverage for preventive care, which typically encompasses routine check-ups. This includes vaccines, veterinary exams, and flea prevention.

Does HartVille Provide Coverage for Accidents and Illnesses?

Absolutely. HartVille’s coverage for accidents and illnesses is comprehensive, covering diagnosis, surgery, hospitalization, treatment, medications, and even alternative therapies like physical therapy.

Does HartVille Insurance Cover Pre-existing Conditions?

HartVille distinguishes between curable and incurable pre-existing conditions. Curable conditions, like ear infections, may be covered if the pet remains symptom-free for six months.

Are There Any Annual or Lifetime Coverage Limits with HartVille?

HartVille’s pet insurance provides a spectrum of choices for annual coverage limits, accommodating budgets with options from $5,000 to unlimited annual coverage. The policy term includes a 14-day waiting period, applicable to both Complete and Accident-Only Coverage, ensuring a fair start before benefits begin. This setup, coupled with transparent reimbursement caps, allows you to tailor coverage to your pet’s needs while offering flexibility and peace of mind.

What Countries Does HartVille Cover (US States)?

HartVille provides pet insurance coverage across all 50 US states.

Medical Treatments and Illness

HartVille’s coverage for medical treatments and illnesses is vast:

  • It includes alternative therapies like acupuncture and chiropractic care.
  • Coverage extends to illnesses resulting from a lack of preventive care, such as heartworms and dental issues.
  • Preventive care plans, both basic and prime, cover services like dental cleaning, vaccinations, blood tests, spaying, and neutering.

Are Prescription Medications and Specialized Treatments Covered by HartVille?

Yes, HartVille covers prescription medications and specialized treatments. However, there might be some limitations or exclusions.

Does HartVille Cover Blood Work?

HartVille pet insurance includes coverage for blood work, though it might fall under an additional rider depending on the plan you choose. While basic coverage accounts for it, certain limitations and specific conditions might influence the extent of coverage. If needed, you can opt for the relevant rider to enhance your policy. In case you need to utilize this coverage, understanding the process of filing a claim will help ensure a smooth experience.

Does HartVille Pet Insurance Cover Spaying?

HartVille covers a wide range of services, conditions, and treatments in their accident and illness plan. However, specific coverage details for spaying may vary.

Does HartVille Pet Insurance Cover Dental?

HartVille does cover dental procedures, including tooth extractions and treatment for gum disease. However, there might be limitations on which teeth are covered.

Does HartVille Cover Teeth Cleaning?

While teeth cleaning is considered standard care and might not be covered, some preventive care riders may offer reimbursement up to $150 for dental cleaning.

Keywords: HartVille pet insurance, teeth cleaning, coverage, preventive care riders, reimbursement.

Does HartVille Cover Tooth Extraction?

Tooth extractions fall under the dental disease category in HartVille’s coverage. However, cosmetic dentistry is not covered.

Does HartVille Cover Medication?

HartVille does cover medication, especially prescription medications for accidents and illnesses. However, there might be specific exclusions or limitations.

Does HartVille Pet Insurance Cover Neutering?

HartVille provides coverage for neutering procedures, but specific details may vary.

Does HartVille Cover Vaccinations?

Vaccinations are covered by HartVille, but there might be specific limitations or reimbursements.



HartVille provides coverage related to pet death, including potential reimbursement for cremation or end-of-life expenses.

Plan and Policy Details

Enrolling, customizing, and renewing insurance with HartVille is a straightforward process:

  • Coverage starts 14 days after enrollment for Complete and Accident-Only Coverage. Preventive Care starts the day after.
  • HartVille’s pricing might be higher than average, especially for older dogs. However, accident-only policy premiums don’t increase with age.

What is the Process for Enrolling My Pet in HartVille Insurance?

To enroll your pet in HartVille insurance:

  1. Get a quote by providing your pet’s information.
  2. Select the desired coverage option.
  3. Customize the plan as needed.
  4. Review the quote and proceed with payment.

Can I Customize My Coverage Plan with HartVille to Suit My Pet’s Needs?

Yes, HartVille allows pet owners to customize their plans. This includes adding wellness plans or selecting different levels of coverage.

What Types of Pets are Eligible for Coverage Under HartVille Insurance?

HartVille offers insurance plans for domestic dogs and cats in the U.S., excluding exotic animals.

What is the Procedure for Renewing My Pet’s Insurance with HartVille?

To renew your pet’s insurance with HartVille:

  1. Visit the HartVille website or contact their customer service.
  2. Review the policy details and make necessary changes.
  3. Review the cost of the renewal.
  4. Submit the payment for the premium.

Are There Waiting Periods Before My Pet’s Coverage Becomes Effective Under HartVille Insurance?

Yes, there are waiting periods. Complete Coverage and Accident-Only Coverage start 14 days after enrollment. However, Preventive Care starts the day after enrollment.

Billing and Reimbursement

Understanding the billing and reimbursement process is crucial:

  • HartVille offers various reimbursement rate options.
  • Direct deposit is the recommended method for reimbursements.

How Does the Reimbursement Process Work with HartVille?

After paying the vet bill, policyholders can submit a claim to HartVille. Reimbursements are based on the bill and the reimbursement percentage chosen during enrollment. Payments can be received via direct deposit or checks.

How Quickly Does HartVille Reimburse the Veterinarian Costs?

Reimbursements are typically processed promptly, but the exact timeline can vary based on several factors, including the completeness of the submitted documentation.

How Does HartVille Handle Premium Adjustments as My Pet Ages?

HartVille adjusts premiums based on factors like increased risk and changes in coverage needs with pes aging. This might result in changes in premiums, deductibles, and reimbursement rates.

Can I Choose Any Veterinarian or Animal Hospital When My Pet Needs Treatment Under HartVille Coverage?

Yes, HartVille allows policyholders to choose any licensed veterinarian or animal hospital in the U.S. and Canada, including emergency care facilities and specialists.

Does HartVille Pay Vet Directly?

No, HartVille does not pay the vet directly. Instead, they reimburse the pet owner after the veterinary bills have been paid.

How to Cancel HartVille Pet Insurance

To cancel your HartVille pet insurance:

  1. Contact Hartville Pet Insurance via phone, fax, or email.
  2. Provide the desired date of cancellation.
  3. A refund will be issued for any premium paid beyond the last date of coverage.

Contact Information: Phone: (800) 799-5852 Fax: (866) 888-2495 Email: [email protected]


Procedure and Process

Understanding the procedure and process is essential:

  • Filing claims, choosing veterinarians, and the overall process is streamlined with HartVille.
  • Claims can be filed for bills from any licensed veterinarian in the U.S. and Canada.

How Do I File a Claim with HartVille for My Pet’s Medical Expenses?

To file a claim:

  1. Pay the bill in full.
  2. Submit a claim form via fax, email, or mail.
  3. Include necessary documents like paid invoices and medical records.

How Can You Contact HartVille About a Claim?

You can contact HartVille regarding a claim through various methods:

  • Email
  • Fax
  • Mailing address
  • Online Member Center to check claim status

Cost and Discounts

Understanding cost factors and available discounts is crucial:

  • The cost of premiums is influenced by the policy, location, type of pet, breed, and age.
  • HartVille offers multi-pet discounts and options to pay annually for savings.

Does HartVille Offer Any Discounts for Insuring Multiple Pets?

Yes, HartVille offers a multi-pet discount. Policyholders receive discounted rates for each additional pet enrolled. Other potential discounts include annual pay, bundling, spay/neuter, military, and group work discounts.

What Factors Influence the Cost of Premiums for HartVille Pet Insurance?

Several factors influence the cost of premiums:

  • Breed of the pet
  • Age of the pet
  • Location
  • Chosen coverage options
  • Deductible levels


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