In-Depth Evaluation of Hartville Pet Insurance

Hartville Pet Insurance, now known as ASPCA Pet Health Insurance, is a well-known provider of pet insurance in the United States. It offers coverage for dogs and cats and is endorsed by the American Society for the Prevention of Cruelty to Animals (ASPCA). Here's an in-depth evaluation of Hartville Pet Insurance:

Coverage Options:Hartville offers multiple coverage options, including accident-only coverage, accident and illness coverage, and wellness coverage. The comprehensive accident and illness plan covers a wide range of medical expenses, including surgeries, hospitalization, diagnostic tests, and medications.

Coverage Limits:Policyholders can choose from various annual coverage limits, ranging from $2,500 to unlimited. The higher the limit, the more financial protection you have. The unlimited option provides the most comprehensive coverage.

Deductibles:You can select from different deductible options, starting from $100. Higher deductibles result in lower monthly premiums.

Reimbursement Percentage:Hartville offers a reimbursement rate of 70%, 80%, or 90%. The higher the reimbursement rate, the more the insurer will cover of eligible expenses.

Waiting Periods:Hartville has a 14-day waiting period for accidents and a 14-day waiting period for illnesses.

Pre-Existing Conditions:Like most pet insurance providers, Hartville does not cover pre-existing conditions. These are conditions your pet had before the start of the policy or during the waiting period.

Network and Freedom of Choice:Hartville allows you to use any licensed veterinarian in the United States or Canada. They do not have a preferred network of veterinarians.

Claim Process:Hartville offers a convenient online claim submission process. You can also submit claims via email, fax, or regular mail. The company strives to process claims quickly.

Benefit Schedule:Hartville uses a benefit schedule for some conditions. This means they have a predetermined payout for specific conditions, which may not cover the full cost of treatment. However, they also have many conditions that are not subject to a benefit schedule.

Optional Add-Ons:Hartville offers several optional add-on coverage options, including preventive care coverage (wellness plan) for routine vet visits, vaccinations, and dental cleanings.

Customer Reviews and Ratings:Hartville, under the ASPCA Pet Health Insurance brand, generally receives positive customer reviews and has a good reputation for customer service. However, as with any company, there are also negative reviews.

Age Restrictions:Hartville has age restrictions for enrollment. Pets must be at least eight weeks old to be eligible for coverage.

Discounts:They offer a multi-pet discount for those insuring multiple pets.

Financial Stability:Hartville operates under the Crum & Forster insurance group, which is a part of Fairfax Financial Holdings, a reputable global financial services company. This provides some confidence in their financial stability.

It's essential to read the policy terms and conditions carefully to fully understand the coverage, exclusions, and limitations. Consider getting quotes, comparing Hartville's offerings with other pet insurance providers, and consulting with your veterinarian to determine if their coverage aligns with your pet's specific needs.

In summary, Hartville Pet Insurance, now operating as ASPCA Pet Health Insurance, offers a range of coverage options and has a solid reputation in the pet insurance industry. However, as with any insurance company, it's crucial to thoroughly research and evaluate their policies to determine if they are the right fit for your pet's healthcare needs.