Reviewed by: André Spiteri
Besides being the ASPCA’s only strategic partner, Hartville Pet Insurance have their own line of pet insurance policies at very affordable rates. Whilst their per-incident limits and lifetime caps are quite low, they insure pets at any stage of their life. You’ll also get a 10% discount for each additional pet insured, making them great if you have a multi-pet household.
Hartville Pet Insurance has four levels of cover.
Level 1 covers accidents only.
Level 2 covers both accidents and illnesses, including cancer, but excludes treatment for hereditary and congenital conditions.
Cover under Level 3 extends to alternative therapy and behavioral therapy. Alternative therapy includes acupuncture, physiotherapy, hydrotherapy and low level laser therapy, as well as chiropractic care. Behavioral therapy includes prescription medication, and covers any form of therapy that is prescribed by a licensed vet. You’ll also get comprehensive cover for congenital conditions, provided they’re not pre-existing.
Level 4 has the same cover as Level 3, with higher per-incident and lifetime limits.
Hartville policies have relatively low per-incident caps.
Per-incident limits are set at $2500 for a Level 1 policy, and go up to $3000 per incident on a Level 2 policy.
Even if you go for the more expensive Level 3 or Level 4 policies, per-incident caps are still quite low, at $5000 and $7000 respectively.
In addition, hereditary and congenital conditions have a lifetime cap of $2500. This is certainly too little, and is sure to leave you with considerable out of pocket expenses. You also have to pay an additional deductible if your pet’s condition lasts for more than one policy period.
Prices start at $13.65 a month for a Level 1 accident only plan.
While this is a relatively reasonable price, the policy’s low per-incident limits and lifetime caps mean it’s not the best value out there.
That said, Hartville Pet Insurance offers an unbeatable 10% off every additional policy. You simply won’t find a better multi-pet discount on the market.
There are no age limits, which means you can insure your pets at any stage of their life.
However, your insurance premium will increase as your pets get older.
Hartville Pet Insurance does not cover pre-existing conditions.
However, unlike other insurers, Hartville will not consider a condition pre-existing if your pet has been symptom-free and has not received any treatment for 180 days.
That said, cover extends only to what is “usual and customary”. This is defined as “typical costs for veterinary services within an area similar to yours”.
While it’s good to have a definition of “usual and customary”, this is quite subjective. There’s a risk part of your claim will be rejected on the basis that what you paid exceeds what’s “usual and customary”. With this in mind, you might need to shop around to get the best deal on vet fees.
Congenital conditions and ligament injuries are subject to a 12-month waiting period.
Hartville Pet Insurance policies offer a reasonable level of cover at affordable prices, but their per incident limits are a bit on the low side. They do offer an unbeatable 10% off every additional policy, however. This makes them the ideal choice if you’re looking to insure multiple pets on a budget.
Last Updated: February 2016