The policies under the Hartville Pet Insurance Program cover a wide variety of medical expenses, including:
About our coverages
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects and toxic ingestions.
Illnesses
With illness coverage, you`ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems and UTIs.
Hereditary and congenital conditions
This coverage is for the costs of inherited conditions and birth defects that don`t show symptoms until later in your pet`s life, like heart disease, IVDD, eye disorders and hip dysplasia.
Behavioral issues
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling and destruction of the home.
The optional preventive care add-on covers benefits including:
Coverage for preventive care (if purchased for a little more per month) begins immediately on the plan`s effective date. There is a 14-day waiting period for coverage for accidents, illnesses and knee/ligament injuries.
Although premiums will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet`s age or health.
Pre-existing conditions, cosmetic procedures, and/or costs associated with breeding or pregnancy are not covered.
How it Works
Pet health insurance coverage works simply: After customers purchase a policy, they take their pet for a covered treatment, pay the vet bill, then submit a claim for reimbursement.
When your customers purchase a policy, they:
Policies have a 12-month term deductible, so once the deductible is met, they won`t have to satisfy it again until the next 12-month plan period. After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the covered invoice, based on the reimbursement percentage selected when the policy was purchased.
A package covering preventive care (with no deductible) is available for an additional cost.
Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet policy qualifies for a 10% discount.
Reimbursements can be deposited directly into a customer`s bank account or sent via check.
This insurance is applicable for treatments at any licensed veterinary clinic in the U.S. or Canada, including treatment from licensed specialists and emergency facilities.