14 Best Pet Insurance Plans Worth Buying Before Your Pet Gets Sick

11. Hartville Pet Insurance - AARP Partnership and Senior-Friendly Options

Hartville Pet Insurance, operating in partnership with AARP, specializes in providing pet insurance solutions that cater particularly well to senior pet owners and their unique needs, though their coverage is available to pet owners of all ages. Their comprehensive plans cover accidents, illnesses, hereditary conditions, chronic diseases, prescription medications, diagnostic procedures, surgeries, and alternative treatments, with optional wellness coverage for preventive care. Hartville offers multiple plan levels including Essential, Plus, and Complete coverage options, allowing pet owners to choose the level of protection that best fits their budget and needs. The company provides coverage for pets from six weeks of age with no upper age limits for enrollment, making them particularly valuable for senior pets who might be excluded by other insurers. Their reimbursement levels range from 70% to 90%, with deductible options from $100 to $1,000 and annual limits from $2,500 to $22,000 depending on the plan selected. Hartville's claims process is efficient and straightforward, with most reimbursements processed within 10-15 business days through their online portal or mobile app. The company's partnership with AARP provides additional credibility and often includes member discounts, making quality pet insurance more accessible to seniors on fixed incomes. Their customer service team is known for being particularly patient and helpful with older customers who may be less comfortable with digital claim submission processes. For senior pet owners or those with older pets, Hartville's understanding of age-related health issues and their accommodating approach to customer service makes them an excellent choice.