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Pet Insurance Offered Through Safeco


Introducing the new pet health insurance offering through Safeco. This plan is distributed by Safeco Insurance, and provided and administered by Hartville Pet Insurance Group, a member of the Crum & Foster Enterprise.

The Basics

What is pet insurance offered through Safeco?

This is a comprehensive pet health and accident insurance policy at a competitive price for Safeco customers. These are 12-month policies that are underwritten and serviced by Hartville Pet Insurance. Pet insurance is a fast- growing market that helps ensure your customers can give their dogs and cats the quality care they need, from routine checkups to emergency services. Only five rating variables are needed to get a quote (zip code, dog or cat, breed, age and gender). No signature is required for bind.

Who is Hartville Pet Insurance Group?

Hartville Pet Insurance Group is one of the oldest and largest pet insurance providers in the U.S. since 1997. The Hartville brand is trusted by Liberty Mutual and Safeco. Hartville offers a well-designed coverage plan that helps pet owners save money on their veterinary bills.

If I cancel my Safeco policy, can they keep the pet insurance policy?

Yes, the policies are independent of each other once issued. In addition, non-Safeco customers are eligible to purchase a Pet Health Insurance policy.

What exactly does my policy cover?

The policy does not cover pre-existing conditions, cosmetic procedures or costs associated with breeding or pregnancy. For a complete list of all coverages and exclusions, please refer to the sample policy document on the SafecoNow pet insurance page and the disclaimer below.

Potential Customer Questions

How do I use my coverage?

Here’s how the process works:

1. Take your pet for treatment
2. Pay your vet bill
3. Submit a claim to get reimbursed

Where will my pet insurance be accepted?

Your insurance can be used for treatment at any veterinary clinic in the U.S. or Canada, including treatment from specialists and emergency care facilities.

How much will I be reimbursed?

Reimbursement is up to 90, 80, or 70% of your vet bill, depending on the reimbursement percentage you selected when you bought the policy.

How will I receive my reimbursements?

You can have reimbursements directly deposited into your bank account or receive them as checks in the mail.

How long does it take to get reimbursed?

Hartville works hard to process your claims and reimburse you as quickly as possible. On average, it takes 14-16 business days to completely process a claim.

How does the deductible work?

You can choose a deductible of $100, $250, or $500. The deductible is annual, so after you meet the deductible amount you select, you won’t have to satisfy it again until your next 12-month plan period. You do not have to satisfy your deductible before you can be reimbursed for preventive care if you add preventive coverage to your plan.

Can I have more than one pet on my account?

Yes. You can enroll multiple pets at one time or add pets later. Every pet will have an individual policy and premium. You’ll get a 10% discount on the base plan premium for each additional pet you insure with us.

How will I be billed?

You can choose to be billed monthly, quarterly, semi-annually, or annually. Payment will be due on the day of the month that your plan became effective. No matter which billing frequency you select, payments can be made online or through automatic bill pay with your checking account.

What happens to my pet’s coverage as they get older?

We will never cancel or downgrade your pet’s coverage because of age or health. You will see an increase in your premium as your pet gets older.

Are there payment plans available?

All plans have monthly payment options available to help make them affordable. Also, compared with paying for expensive pet care, pet insurance offered through Safeco is more than worth the price. This plan is designed with a range of policy options that best suit your needs.

$100, $250, or $500 annual deductible
Reimbursement of 90%, 80% or 70% of invoice
Annual limit of $2500, $5,000, $10,000 or $15,000

When will I receive the documentation from Hartville?

There will be full access to Hartville’s online account management if the customer chooses. All fulfillment and servicing will be handled by Hartville and documents are mailed out within 3 business days of bind.