Hartville Pet Insurance
Budget-friendly with no age limit
ComprehensiveAccident Only
Est. monthly (dog)
~$36/mo
Est. monthly (cat)
~$26/mo
Reimbursement
70%, 80%, 90%
Annual deductible
$100–$500
Annual max
Unlimited
Age range
Any age
Illness wait
14 days
Accident wait
14 days
✓ Curable conditions no longer pre-existing after 180 symptom-free days (except knee/ligament)
Praised for
- ✓Covers exam fees, chemo, and stem-cell therapy in Complete Coverage
- ✓No upper age limit for enrollment
- ✓Preventive Care starts the day after enrollment
Watch out for
- ✗Less well-known than top competitors
- ✗Knee/ligament pre-existing exclusion never clears
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