Hartville Pet Insurance: Protecting Your Furry Friends

As a pet owner, nothing is more important than the health and well-being of our beloved furry friends. We want them to be happy and healthy, but we also understand that accidents and illnesses can happen at any time, which can quickly add up in terms of expenses. That’s why Hartville Pet Insurance is here to provide peace of mind by offering comprehensive pet insurance coverage for cats and dogs.

What is Hartville Pet Insurance?

Hartville Pet Insurance is a subsidiary of the Crum & Forster Pet Insurance Group and was established in 1997. It is currently one of the largest and oldest pet insurance providers in the United States, offering insurance plans for cats and dogs of all ages, breeds, and sizes.

The company’s mission is to provide pet owners with affordable and customizable insurance plans that cover a wide range of unexpected medical expenses. As a leader in the pet insurance industry, Hartville Pet Insurance is committed to delivering exceptional customer service and ensuring that every pet receives the care they need.

What Does Hartville Pet Insurance Cover?

Hartville Pet Insurance offers several customizable insurance plans that provide coverage for accidents, illnesses, and wellness care. Here are some of the key benefits of each plan:

Accident Only Plan

The Accident Only plan is the most basic plan and covers the cost of accidental injuries, such as broken bones, cuts, and poisoning. This plan does not cover illnesses, hereditary conditions, or pre-existing conditions.

While this plan is more affordable, it may not provide enough coverage if your pet experiences an unexpected illness or disease. However, it is a good option for pet owners who want to protect their pet in case of an accident.

EssentialWellness Plan

The EssentialWellness plan is a comprehensive wellness plan that covers the cost of routine veterinary care, such as vaccinations, annual exams, and flea and tick prevention. This plan also covers accidents, but it does not cover illnesses or hereditary conditions.

This plan is a good option for pet owners who want to ensure that their pet receives preventative care and regular check-ups to maintain their overall health and well-being.

BestBenefit Plan

The BestBenefit plan is the most comprehensive plan and covers the cost of accidents, illnesses, and routine wellness care. This plan also covers hereditary conditions, congenital conditions, and pre-existing conditions after a waiting period.

This plan is a good option for pet owners who want to have peace of mind knowing that their pet is covered for a wide range of unexpected medical expenses.

How Does Hartville Pet Insurance Work?

To enroll in Hartville Pet Insurance, pet owners must first choose a plan that best fits their pet’s needs and budget. Once enrolled, pet owners can take their pet to any licensed veterinarian in the United States or Canada and pay for the services at the time of visit.

After the visit, pet owners can submit a claim online, by fax or mail, along with a copy of the veterinary invoice. Once the claim is received, Hartville Pet Insurance will review the claim and reimburse the pet owner for the covered expenses, minus any deductibles or co-payments.

FAQs

What Does Hartville Pet Insurance Not Cover?

Hartville Pet Insurance does not cover pre-existing conditions, cosmetic procedures, experimental treatments, or elective procedures such as spaying, neutering, or dewclaw removal. It also does not cover injuries or illnesses resulting from intentional or illegal activities, breeding or pregnancy, or grooming or boarding.

What is a Deductible?

A deductible is the amount that a pet owner must pay out of pocket before the insurance coverage applies. For example, if a plan has a $250 deductible and the vet bill is $1,000, the pet owner must pay $250 and Hartville Pet Insurance will reimburse the remaining $750.

What is a Co-Payment?

A co-payment is a percentage of the veterinary bill that the pet owner must pay after the deductible is met. For example, if a plan has a 20% co-payment and the vet bill is $1,000 with a $250 deductible, the pet owner must pay $250 plus 20% of the remaining $750, which is $150. Hartville Pet Insurance will reimburse the remaining $600.

What is the Waiting Period?

The waiting period is the amount of time after enrollment that must pass before coverage applies. For accident coverage, the waiting period is usually a few days, while for illnesses it can be up to several weeks. The waiting period varies depending on the plan and the condition.

Conclusion

Hartville Pet Insurance is an excellent choice for pet owners who want to ensure that their furry friends receive the care they need without breaking the bank. With comprehensive coverage options and exceptional customer service, Hartville Pet Insurance is committed to protecting pets and their owners.