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Things happen. Have a plan.

Things Happen. Have a Plan.

Unexpected bills love to pop up at the worst times, don’t they? With pet insurance, you can at least keep unexpected vet bills in check. Pet insurance provides reimbursement on veterinary costs. That means your pet will have help getting the care they need and you’ll have cash back for your savings, to pay down the credit card you used for the vet visit, or for whatever else you want.

So don’t be without a plan for vet bills.
Shop pet insurance plans today.

Unexpected bills love to pop up at the worst times, don’t they?

With pet insurance, you can at least keep unexpected vet bills in check. Pet insurance provides reimbursement on veterinary costs. That means your pet will have help getting the care they need and you’ll have cash back for your savings, to pay down the credit card you used for the vet visit, or for whatever else you want.

So don’t be without a plan for vet bills. Shop pet insurance plans today.

Woman and her dog posing

Designed for the modern pet parent

  • Quote and enroll online Quote and enroll online at any time
  • Connect with others Connect with other pet parents on our social sites
  • Pet Parenting tips with our resource center Enjoy having tons of pet parenting info at your fingertips with our resource center
  • Submit claims Submit claims and manage your account 24/7 with our intuitive Member Center
Five star review

This pet insurance is the best

“This pet insurance is the best. They are prompt. They do exactly what they say they will do. I have never had a problem with the claims that have been filed. Awesome awesome pet insurance. Number one in my book. Jasmine holds up two paws 🐾.” — Beverly Hurt

See more reviews on Trustpilot

The Way It Works

Vet Clinic

Visit

any regular vet, specialist, or emergency clinic you want (in the U.S. or Canada)

Vet bill

Pay

your vet bill

Phone

Submit

a claim with the invoice from your appointment

Dollar bill

Cha-ching!

Get money back!

It’s also an option to have us pay the clinic you visit directly instead of reimbursing you later for up-front fees.

If this is something that interests you, one of our knowledgeable representatives can get you set up.

So, what's your plan for accidents and illnesses?

Get One Today

Things that set us apart

We don’t mean to brag (OK, maybe we do a little), but Hartville Pet Insurance plans also come with some pretty cool perks.

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24/7 claim estimates

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Microchipping

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Multiple pet discount

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Exam fees included for covered conditions

Smart pet parents have a plan. Create yours today.


Coverage for less than your morning coffee

  • Coffee cup

    Think about your morning coffee routine. Maybe you’re someone who gets dressed-up espresso drinks, which are usually priced between $4 and $5. Or perhaps you prefer no-frills, straight-up black coffee.

    Swipe to continue ->
  • Dog staring at a coffee cup

    Well, the average daily cost of our accident and illness coverage is only $1.70. That’s cheaper than even a tall blonde roast from Starbucks – pretty much the plainest coffee you can get.

  • A happy dog surrounded by a heart

    So whether you’re the salted-toasted-caramel-soy macchiato with whipped cream and mocha drizzle type or the regular-ass roast type, a lot of our coverage options will still cost you less each month than your caffeine addiction. And really, the value in protecting your pet is incomparable.

    Get a quote for protecting your pet today.
Get a quote for protecting your pet today.

How it pays to be covered

You’ve probably heard the argument,

 'I'm better off saving money each month than investing in pet insurance.'  'I'm better off saving money each month than investing in pet insurance.'
Cat on the phone

Sure, it’s a good idea to have savings or a credit card to pay vet bills, but it’s an even better idea to supplement those things with pet insurance, because when you’re covered, you can get most of your cash back. Let’s look at how it works with a little math. Don’t worry – we’re going to do it for you.

Sure, it’s a good idea to have savings or a credit card to pay vet bills, but it’s an even better idea to supplement those things with pet insurance, because when you’re covered, you can get most of your cash back. Let’s look at how it works with a little math. Don’t worry – we’re going to do it for you.

Average cost of coverage

$52

A real bill for a swallowed toy

$6,229

Cash back in your pocket

$5,506

How the heck does that make any sense? How the heck does that make any sense?

Our Pet Insurance Vs Savings Math

Bill

$6,229

Suppose this were your bill. With a pet insurance plan that has a $100 annual deductible, a 90% reimbursement rate, and a $10,000 annual limit, you’d get $5,506 back on your claim. Without the plan, you’d lose the whole $6,229.

With pet insurance

$624

$6,229

$5,506

total out-of-pocket expense

$1,347

With only savings

$0

$6,229

$0

total out-of-pocket expense

$6,229
*Average Hartville Pet Insurance plan cost nationwide for all accident & illness plans 2019 – 2020

Start getting cash back on vet bills.

Quote Now