Health Insurance for Dogs and Cats  | 1-800-807-6724

Myths About Pet Insurance

MYTH: Pet insurance works like human insurance.

FACT: Actually, the two types of insurance work differently. With our pet insurance, you can:

  • Use any licensed veterinarian in the US or Canada. You don’t need to choose from a list of providers, and you don’t need a referral to see a specialist.

  • Pay the veterinarian for services directly, rather than worrying about office co-pays.

  • Submit a claim form with your itemized receipts to get reimbursed instead of keeping track of a membership card and identification number.

MYTH: Older pets are not eligible for coverage.

FACT: All pets over 8 weeks old are eligible for Level 1 accident coverage regardless of age, breed or health conditions! Initial enrollment in Levels 2, 3, and 4 is limited to dogs 12 years and under and cats 14 years and under. We’ll never cancel your coverage because of your pet’s age or health.

MYTH: Pet insurance is expensive

FACT: Our affordable coverage options make it easy to insure your pet! We have 4 levels of coverage, so you can find the plan that works best for your budget. You can also customize your premium with deductible and co-insurance options. Start your free quote now.

MYTH: It is difficult to apply for a pet insurance plan.

FACT: It’s quick and easy. You can start by getting a free quote online or calling us at 1-800-807-6724 for friendly advice.

MYTH: Only specific veterinarians accept pet insurance.

FACT: With our pet insurance plans, you can use any licensed veterinarian in the US or Canada, including specialists and emergency clinics. This way, you can stay with your trusted veterinarian. Plus, you’re even covered when you’re travelling.

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Notice to California Residents

The information herein is summarized. All pet insurance plans have limitations and exclusions. Specific products, features, rates, and discounts may vary by state, eligibility, and are subject to change. Reimbursements are based on a percentage of usual and customary eligible costs. Additional deductible and co-insurance options are available. Wellness coverage provides reimbursement up to a listed amount. Rates depend on the zip code, breed, age and coverage selected. For more information, go to

By enrolling, you are joining our Petshealth Care Plan family. Products are underwritten by the United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency (FSIA Insurance Agency in CA), members of the Crum & Forster Enterprise. Hartville Pet Insurance Group is a trademark of United States Fire Insurance Company. The United States Fire Insurance Company and Fairmont Specialty Insurance Agency may be individually or collectively referred to as Hartville Pet Insurance Group or Hartville.

The ASPCA® does not offer insurance. Through a strategic licensing agreement, in exchange for the use of ASPCA trademarks, the ASPCA is paid a royalty fee of up to 10% of the purchase price, with a minimum of $335,000 per year.
C&F and Crum & Foster are registered trademarks of the United States Fire Insurance Company. Crum & Forster Enterprise is a part of Fairfax Financial Holdings Limited.
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