Pet Health Insurance

Pet health insurance helps you to cover the cost of treating your dog or cat’s unexpected illnesses, accidents or injuries without strain. Take the first step in protecting your furry friend by getting a free quote.

Pets can get sick just as easily as people. It is important to know that you can provide for you pet in these difficult economic times and this coverage can help you budget in case of emergency. Pet health insurance offers coverage for illness, hospitalization, prescribed medications and accidents.

Hartville Pet


Welcome Pet Parents!

  • What is pet health insurance?

    Pet insurance helps you afford quality veterinary care so you can give your pet the best care possible. Hartville Pet Insurance has 4 increasing levels of protection that can cover your pet for accidents, illnesses, wellness care, ongoing conditions and more.

  • Why do I need it?

    The costs of veterinary care are rising, especially as more sophisticated treatments become available for animals. Hartville Pet Insurance can help you focus more on your pet’s care and less on finances.

  • How does it work?

    It’s easy! Take your pet to any vet in the US or Canada and pay for the services. Then fill out a simple claim form and mail, fax, or email it with your receipts. You can track the status of your claims conveniently online at the free Member Center.

  • How much will I get reimbursed?

    Hartville Pet Insurance plans reimburse 90% of usual and customary covered charges after a low $100 annual deductible per pet. You can also customize our plans to your budget with additional deductible and co-insurance options.

  • Level 4 covers:

    • Accidents
    • Illnesses
    • Wellness care, if you select it
    • Hereditary and congenital conditions
    • Alternative therapies
    • Behavioral issues
    • Chronic conditions, if your pet is eligible

    Plus, all of our plans come with pet travel assistance services—at no cost to you—to help if your pet is hurt or sick while you’re traveling anywhere in the world. Read more details in the FAQ tab.

    Accidents and Illnesses

    Treatments for accidents and illnesses are covered up to $7,000 per incident on Level 4. There’s no limit to the number of conditions that can be covered in a year.

    Some of the treatments Level 4 covers include:

    • Diagnostic procedures
    • Lab tests
    • X-rays, CT scans and MRI
    • Surgeries
    • Hospitalization
    • Prescription medications
    • Emergency visits
    • Veterinary exam fees

    Wellness Care

    We have two wellness coverage options you can add to Level 4 for a low extra cost. Select the “wellness options” tab on the left for more details.

    Hereditary and Congenital Conditions

    Level 4 covers hereditary and congenital conditions up to $1,000 per incident and up to $2,500 over the life of your pet. There is a 6-month waiting period for this coverage after your plan’s effective date.

    Alternative Therapies

    Level 4 covers alternative therapies for covered conditions, up to $300 per year. A licensed veterinarian has to perform the treatment. Covered therapies include:

    • Acupuncture
    • Chiropractic care
    • Physical therapy
    • Rehabilitative therapy
    • Hydrotherapy
    • Low-level laser therapy

    Behavioral Issues

    Level 4 also covers your pet for behavioral issues, up to $300 per year. Services need to be performed by a licensed veterinarian or by a Certified Animal Behaviorist with a referral from a veterinarian. This coverage does not include obedience classes.

    The following covered treatments can be used to diagnose, treat or correct behavioral issues:

    • Consultations
    • Exams
    • Lab tests
    • Medications

    Chronic Conditions

    Chronic conditions are ongoing conditions that need care across multiple plan years. They’re covered by Continuing Care, if your pet is eligible. You’ll see a check mark next to “chronic conditions” in the plan chart if your pet is eligible for Continuing Care. If your pet is not eligible, select the “what’s not covered” tab on the left for more details.

    Continuing Care reimburses 80% of usual and customary covered costs for chronic conditions. It has a $100 annual deductible and other limits separate from your base plan. With Level 4, Continuing Care reimburses up to $2,500 per incident and up to $6,000 over the life of a pet.