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Pet Insurance


Should I buy Pet Insurance?

Our job is not to tell you whether or not you should obtain pet insurance. It is however to inform that just like with health insurance for humans, pet insurance helps to offset unexpected expenses that happen to your pet.  A sudden illness or disease is not uncommon and in some cases a regular occurrence.  Your pet is your trusted partner, unfortunately veterinary costs are on the rise as with all health care.

How much does pet insurance cost?

Well that is the good news in all this, pet insurance companies all offer different products and services, The team at Elite Risk has already compared the best pet insurance products and has chosen the Hartville pet insurance policy.  Hartville offers one of the least expensive pet insurance products on the market and also has one of the broadest insurance policies if you are willing to pay a bit more.  

While many of the pet insurance plans differ and it appears that there are several companies offering these coverage’s, most the policies are actually very similar and in some cases the same companies just using different names.  We chose the Hartville policy because it has the same exact coverage’s that are offered and endorsed by the ASPCA, we feel fortunate to have the same offering and pricing structure as one of the oldest and largest pet associations in the country has to offer. 

Why Us?
We are a full service insurance broker and spend our time specifically looking for insurance products that benefit the most amount of people with similar insurance needs. We are not just another association or website where you can click through to the company that pays us the most amount of money to refer them business.  We have used our experience as brokers and agents to obtain the lowest dollar, highest value, broadest insurance policy we good find to meet your unique pet insurance needs.

How does it work?
Easy! Take your pet to the veterinarian of choice within the US or Canada and pay for the services. Then, simply fill out a simple claim form and mail, fax, or email it with your receipts. You can track the status of your claims conveniently online at the free Hartville Member Center

How much will I get reimbursed?
Hartville Pet Health Insurance reimburses 80% of usual and customary covered charges after a low $100 deductible that only needs to be met once a year. Usual and customary covered charges are covered costs that are considered reasonable for your geographic area


Our team is standing by ready to assist you with any questions at 888-588-9413.



Why the ELITE/Hartville  Insurance product is best for your pet...

You can stay with your current veterinarian.
You can stay with your vet or choose any other licensed veterinarian in the US and Canada.

There is no surcharge for visiting a specialist or emergency clinic and there is no need for a referral to visit a specialist.
Coverage designed by experts in animal welfare.
This coverage is affordable and comes with a 5% discount!

We also offer easy claim filing, online account management, and a 30-day money back guarantee.
Coverage in all 50 states, including DC
Your Hartville Pet Insurance is also good in Canada. You must live in the US permanently to purchase a policy.
Underwriter and AM Best Financial Strength Rating
Insurance underwritten by United States Fire Insurance Company -

an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 5/17/10 is the fastest way to get covered for specialized insurance. Get covered from the comfort of your home: fill out the form, enter your information and get a policy.

Our experienced professionals are ready to answer your questions and get your policy issued quickly.

We have activlely specialized in the sports, leisure and special event space for over 10 years.

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