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:
Policy specifics can vary by state. Contact them for the specifics for 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 - ?

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 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 1/1/19.

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 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 14 day waiting period for illnesses.

14 day waiting period for ligament and knee conditions.
Waiting Period for Cruciate Injury 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? Continual Care for Chronic conditions is part of the base policy.
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can choose any licensed veterinarian in the US and Canada.
Money Back Guarantee? ?
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 [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 [INCLUDED]
Alternative Therapy is covered when performed by a veterinarian or at a facility with a supervising veterinarian on staff.


**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 [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 [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 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 [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 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 [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 [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) [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 ?


**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)
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 Choose from 10%, 20%, or 30%
Deductible 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 ?
Max Payout Annually Choose a maximum annual payout of $5,000, $10,000, $15,000, $20,000 or unlimited
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident 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
My Review Hartville Group Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com - ASPCA

PetInsuranceReview.com - PetPremium
Better Business Bureau bbb.org
Additional Info  

*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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