Compare Hartville Group Pet Insurance

(ASPCA / Hartville / Protect Your Bubble / PetPremium and PetsHealth Pet Insurance)

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.


Please Note:
These companies are in the process of updating their plan. Contact them to see if the new policy has gone live in your state



Company Info
Company Name Hartville Group, Inc; Fairmont Specialty
Also Known As / Affiliates / Partners Hartville Pet Health Insurance

ASPCA Pet Insurance

PetsHealth Care Plan

Protect Your Bubble (No Longer Accepting New Customers in the US)

PetPremium
Address  
Phone Hartville Pet Health Insurance - 1-800-799-5852

ASPCA Pet Insurance - 1-888-716-1203

PetsHealth Care Plan - 1-800-807-6724

Protect Your Bubble - 1-855-792-7387 (No Longer Accepting New Customers in the US)

PetPremium - 1-800-935-7280
Website www.hartvillepetinsurance.com

www.aspcapetinsurance.com

www.petshealthplan.com

us.protectyourbubble.com/popular-products/pet-insurance.html (No Longer Accepting New Customers in the US)

www.petpremium.com
Plans That Provide Both Accident and Illness Coverage Old Plans

Level 2 / Essential

Level 3 / Plus

Level 4 / Premier



New Plan

Complete Coverage
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by United States Fire Insurance Company which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/1/17.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started ASPCA - 2006

Hartville and PetsHealth - 1997

Protect Your Bubble - 2012 (No Longer Accepting New Customers in the US)

PetPremium - 2013

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Old Plans
Dogs must be at least 8 weeks old and less than 13 years old

Cats must be at least 8 weeks old and less than 15 years old


New Plan
Pet must be at least 8 weeks old. There is no upper age limit.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period Old Plans
30 days after the policy effective date for illness (this waiting period does not apply to all states)

Routine care, if selected, and accident coverage begins as soon as your policy is effective

12 months after the policy effective date for cruciate injury

6 months after policy effective date for hereditary and congenital conditions


New Plan
14 day waiting period for illnesses.

14 day waiting period for ligament and knee conditions.
Waiting Period for Cruciate Injury Old Plans
12 months after the policy effective date


New Plan
14 day waiting period for ligament and knee conditions
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states with your pet.

Out of Country Coverage - You WILL be covered when traveling to Canada with your pet
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Old Plans
If you do not purchase a plan that includes 'Continuing Care', chronic conditions will only be covered in the policy year they are diagnosed.

Level 2, Level 3, and Level 4 Plans have Continuing Care coverage for Chronic conditions.

This coverage has monetary limits.

(See the section: "Continual Coverage for Chronic Conditions")

New Plan
Continual Care for Chronic conditions is part of base policy.
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? Old Plans
You can choose any licensed veterinarian in the US and Canada.

New Plan
You can choose any licensed veterinarian in the US and Canada.
Money Back Guarantee? If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call the company for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness Coverage -
Baseline Coverage
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage Old Plans
[INCLUDED WITH CERTAIN PLANS]
Must be prescribed or performed by a veterinarian or through a written referral by a veterinarian to a "Certified Animal Behavioral" and used to diagnose, treat or correct a behavioral problem.

Has a maximum annual payout limit based on the plan you get.

Level 3 Plan - Max Annual Payout - $150

Level 4 Plan - Max Annual Payout - $300

New Plan
[INCLUDED]
Treatment for behavioral problems are covered if performed by a veterinarian or through a written referral by a veterinarian to a Certified Applied Animal Behaviorist.


**See policy or call for additional limitations on Behavioral Therapy Coverage.
Alternative Therapy Coverage Old Plans
[INCLUDED WITH CERTAIN PLANS]
Must be performed by a veterinarian and used to treat an eligible condition.

Has a maximum annual payout limit based on the plan you get.

Level 3 Plan - Max Annual Payout - $150

Level 4 Plan - Max Annual Payout - $300

New Plan
[INCLUDED]
Alternative Therapy is covered. Herbs are not covered.


**See policy or call for additional limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

**See actual policy or call the company for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage Old Plans
[INCLUDED WITH CERTAIN PLANS]
Has a 6 month waiting period.

Has maximum payouts limits based on the plan you get.

Level 3 Plan
Max Payout per Incident (max payout for each hereditary/congenital incident) - $500

Max Lifetime Payout (max payout for all hereditary/congenital conditions over the life of your pet) - $1,250


Level 4 Plan
Max Payout per Incident (max payout for each hereditary/congenital incident) - $1,000

Max Lifetime Payout (max payout for all hereditary/congenital conditions over the life of your pet) - $2,500


New Plan
[INCLUDED]
Hereditary and congenital conditions are covered as long as they are not pre-existing, have not occurred during the waiting period, and you have not gone over your annual maximum payout per policy year.


**See policy or call for additional limitations on Hereditary/Congenital Coverage.
Continual Coverage for Chronic Conditions Old Plans
[INCLUDED WITH CERTAIN PLANS]
Continuing Care coverage covers conditions that need care across multiple policy periods. The coverage starts when your plan is reissued each year.

Continuing Care coverage has a $100 annual deductible, a 20% copay, and maximum payouts limits based on the plan you get.

Level 2 Plan
Max Payout per Incident (max payout for each ongoing condition) - $1,000

Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $2,500


Level 3 Plan
Max Payout per Incident (max payout for each ongoing condition) - $1,500

Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $3,500


Level 4 Plan
Max Payout per Incident (max payout for each ongoing condition) - $2,500

Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $6,000


New Plan
[INCLUDED]

Continual Care for Chronic conditions is part of base policy.


**See policy or call for additional limitations on Continuing Care Coverage.
Chronic Conditions Policy Old Plans
Level 2, 3, and 4 plans include Continuing Care coverage for chronic conditions.

They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

The Continuing Care coverage has its own deductible, copay, per-incident limits and lifetime limits. (See 'Continual Coverage for Chronic Conditions' section above)

To be eligible for 'Continuing Care' coverage: At initial enrollment, dogs must younger than 9 years old and cats must be younger than 11 years old.

New Plan
Continual Care for Chronic conditions is part of base policy.

They do not cover chronic conditions that are pre-existing or that occur during the waiting period.


**See actual policy or call the company for complete description of their Chronic Conditions Policy.
Cancer Coverage Old Plans
[INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Cancers that are considered to be hereditary or genetic may not be covered in plans that do not cover Hereditary/Congenital conditions.

New Plan
[INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.


(See 'Hereditary/Congenital' and 'Chronic Conditions Policy' sections above)
Cancer Coverage Limits Old Plans
To get Continuing Care coverage for cancer you must purchase the Level 2, 3, or 4 plan.

They do not cover cancers that are pre-existing or that occur during the waiting period.

The Continuing Care coverage has its own deductible, copay, per-incident limits and lifetime limits. (See 'Continual Coverage Policy' above)

To be eligible for 'Continuing Care' coverage: At initial enrollment, dogs must younger than 9 years old and cats must be younger than 11 years old.

Cancers that are considered to be hereditary or genetic may not be covered in plans that do not cover Hereditary/Congenital conditions. (See 'Hereditary/Congenital' section above)

New Plan
Cancer conditions are covered as long as they are not pre-existing, have not occurred during the waiting period, and you have not gone over your annual maximum payout per policy year.


**See actual policy or call the company for complete description of their Chronic Conditions Policy.
Hip Dysplasia Old Plans
[INCLUDED WITH CERTAIN PLANS]
Has a 6 month waiting period.

Has maximum payouts limits based on the plan you get.

New Plan
[INCLUDED]
Hip Dysplasia is covered as long as it is not pre-existing, has not occurred during the waiting period, and you have not gone over your annual maximum payout per policy year.


(See 'Hereditary/Congenital' section above)
Prescription Drug Coverage [INCLUDED]

**See actual policy or call the company for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage Old Plans
[OPTIONAL]

Routine/Wellness coverage is available for an additional fee.

There are two Routine/Wellness options to choose from:

1) Routine Wellness
2) Advanced Wellness

New Plan
[OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.


**See actual policy or call the company for complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) Old Plans
[LIMITED COVERAGE]
Coverage is limited to dental extractions associated with abscessed or broken teeth due to injury.

They do not cover treatments related to dental diseases (e.g. gingivitis or periodontal disease).

They do not cover extractions of deciduous teeth.

They do not cover dental services such as endodontics, orthodontics, crowns, caps, and root canals.

***Note: PetPremium supposedly covers dental disease and extractions of deciduous teeth, however, there is text in the 'what's not covered' section of their website that does not support this, so ask if they do and if there are any limits.

New Plan
[LIMITED COVERAGE]
Tooth extractions are covered when applicable to an illness or injury.

They do not cover dental services such as endodontics, root canals, crowns, caps, etc.


**See actual policy or call the company for full list of inclusions and exclusions.
Bilateral Conditions Policy Old Plans
If your pet develops a Bilateral Condition before your policy effective date or during the waiting period, it will not be covered and if your pet develops the same condition on the opposite side after the waiting period it will not be covered. For example if a dog has been diagnosed with a cruciate tear in this left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period.

Bilateral Conditions are considered one incident for purposes of the maximum payout per incident. For example: Let's say your dog gets a cruciate injury on left leg after enrolled and after waiting period. If your dog gets a cruciate injury on the right leg in the future, treatment for the right leg will only be covered up to the maximum payout per incident which must be shared with the left leg.

New Plan
?


**See actual policy or call the company for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)
Old Plans
Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (included with certain plans; has monetary limits) (Refer to each category's section for limitations)

[Optional] Behavioral Therapy (available with certain plans; has monetary limits), Alternative Therapy (available with certain plans; has monetary limits), Hereditary/Congenital Coverage (available with certain plans; has monetary limits), Routine/Wellness Care (available with certain plans), Routine Dental Care (available with certain plans) (Refer to each category's section for limitations)

New Plan
Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congential coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)


**See actual policy or call the company for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Boarding, grooming and grooming supplies
  • Costs from breeding or pregnancy
  • Multiple incidents (more than one) of foreign object ingestion in a 12 month period.
...See policy for a complete listing

 

How The Policy Works
Co-pay Old Plans
Choose from 10%, 20%, or 30%

For Continuing Care conditions the copay is 20%

(See 'Continuing Coverage for Chronic Conditions' section above)

New Plan
Choose from 10%, 20%, or 30%
Deductible Old Plans
Choose an annual deductible of $100, $250, or $500

For Continuing Care conditions the annual deductible is $100

(See 'Continuing Coverage for Chronic Conditions' section above)

New Plan
Choose an annual deductible of $100, $250, or $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Old Plans
UCR

New Plan
?
Max Payout Annually Old Plans
The base plans do not have an annual maximum payout.

Alternative Therapy coverage does have annual payout limits.

Behavioral Therapy coverage has annual payout limits.

New Plan
Choose a maximum annual payout of $5,000, $10,000, $15,000, $20,000 or unlimited
Max Lifetime Payout Old Plans
The base plans do not have a lifetime maximum payout.

Continuing Care coverage does have lifetime limits.

Hereditary/Congenital coverage has lifetime limits.

New Plan
This plan does not have a lifetime maximum payout.
Max Payout per Incident Old Plans
Level 2 - Per Incident Limit $3,000 per policy period

Level 3 - Per Incident limit $5,000 per policy period

Level 4 - Per Incident limit $7,000 per policy period

Continuing Care coverage has its own per incident limits.

Hereditary/Congenital coverage has its own per incident limits.

New Plan
This plan does not have a maximum payout per incident
Max Payout Based on Body System These companies do not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

You can check a box on the claim form to have the reimbursement sent to your veterinarian but you still must pay your veterinarian in full at time of visit.

 

Pricing
Approximate Monthly Costs Approximately $7.50 - $89.00 depending on plan, species, age, breed, location, etc.

 

Additional Info
Get A Quote Get A Quote
My Review Hartville Group Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com - ASPCA

PetInsuranceReview.com - Protect Your Bubble (No Longer Accepting New Customers in the US)

PetInsuranceReview.com - PetPremium
Better Business Bureau bbb.org
Additional Info Old Plans
Any animal diagnosed with a chronic or terminal illness prior to the intended effective date of coverage is not eligible for illness coverage. Illnesses that fall under this category include but are not limited to: Cancer, Diabetes, Untreated Hip Dysplasia, Leukemia, Addison's Disease, Auto Immune Deficiency, Cushing's Disease, cardiac and renal conditions.

*The information in the above charts does not apply Accident Only coverage. Please contact the company for details about their Accident Only Policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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If you use data from this website as a research point for your own website or written material, you must cite Pet-Insurance-University.com as the source.

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