Hartville Pet Insurance – a brand of Crum & Forster, one of the largest and oldest pet insurance providers in the U.S. The Hartville Pet Insurance Program manages the plans, from care to servicing to claims, to help you protect you from being saddled with big veterinarian bills.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.
Preventive Care reimbursements are based on a schedule. Complete Coverage SM reimbursements are based on the invoice. Products, rates and discounts may vary and are subject to change.
Pet health insurance coverage works simply: After you purchase a policy, and take your pet for a covered treatment, pay the vet bill, then submit a claim for reimbursement.
When you purchase a policy, you:
- Select an annual limit of $2,500, $5,000, $10,000 or unlimited.
- Select a deductible of $100, $250 or $500.
- Select a reimbursement percentage of 70%, 80% or 90%.
Policies have a 12-month term deductible, so once the deductible is met, you won’t have to satisfy it again until the next 12-month plan period. After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the covered invoice, based on the reimbursement percentage selected when the policy was purchased.
A package covering preventive care (with no deductible) is available for an additional cost.
Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet policy qualifies for a 10% discount.
Reimbursements can be deposited directly into a bank account or sent via check.
This insurance is applicable for treatments at any licensed veterinary clinic in the U.S. or Canada, including treatment from licensed specialists and emergency facilities.
Pet health insurance is available countrywide.
For complete product information or to obtain a quote, please contact our personal lines sales team at 1-800-866-0777 or click here.