Hartville
Complete Coverage
Accident & illness coverage that includes exam fees, hereditary conditions, behavioral issues and dental disease.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 14 days
- Illness wait
- 14 days
- Deductible
- Annual deductible of $100, $250 or $500.
- Annual limit
- One annual limit you choose, from $5,000 up to unlimited.
- Dental
- Dental disease is included alongside accidents and illnesses.
- Alternative therapy
- Alternative therapies aren't listed among Hartville's included benefits — check the sample plan.
- Wellness
- Optional preventive care add-on for vaccines, dental cleanings and screenings.
- Waiting periods
- Accidents 14 days, illness 14 days. 14-day waiting period for accidents, illnesses and ligament issues in the first plan year; none for preventive care. Some states' forms differ.
- Cured pre-existing conditions
- Pre-existing conditions are not covered; Hartville doesn't publish a cured-condition exception.
- Eligibility
- Has an enrollment age limit that isn't published — confirm on a quote. Sold in every state.
- Multi-pet discount
- None offered.
- Underwriter
- Independence American Insurance Company or United States Fire Insurance Company
Good to know
- •Exam fees and hereditary conditions included
- •Payouts based on your actual vet invoice
- •Coverage is never cancelled or downgraded due to age or health
Watch out for
- !14-day waiting period applies to accidents too
- !Enrollment age limits aren't published — confirm on a quote