Through the Hartville Pet Insurance Program, Carolina's 1st Choice Agency introduces customers to affordable pet insurance plan options that cover emergency services, plus options for preventive care benefits for just a little more per month.
To help you bring pet health insurance to your customers, we are working with Hartville Pet Insurance – a brand of Crum & Forster, one of the largest and oldest pet insurance providers in the U.S. The Hartville Pet Insurance Program manages the plans, from care to servicing to claims, to help you protect your customers from being saddled with big veterinarian bills.
These policies are underwritten by United States Fire Insurance Company and administered by C&F Insurance Agency, Inc., a Crum & Forster company. The program is made available in association with Helmsman Insurance Agency, Inc.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.
Preventive Care reimbursements are based on a schedule. Complete Coverage SM reimbursements are based on the invoice. Products, rates and discounts may vary and are subject to change. More information available at checkout.
Plans are underwritten by United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.
When your customers purchase a policy, they:
- Select an annual limit of $2,500, $5,000, $10,000 or unlimited.
- Select a deductible of $100, $250 or $500.
- Select a reimbursement percentage of 70%, 80% or 90%.
Policies have a 12-month term deductible, so once the deductible is met, they won’t have to satisfy it again until the next 12-month plan period. After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the covered invoice, based on the reimbursement percentage selected when the policy was purchased.
A package covering preventive care (with no deductible) is available for an additional cost.
Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet policy qualifies for a 10% discount.
Reimbursements can be deposited directly into a customer’s bank account or sent via check.
This insurance is applicable for treatments at any licensed veterinary clinic in the U.S. or Canada, including treatment from licensed specialists and emergency facilities.
The policies under the Hartville Pet Insurance Program cover a wide variety of medical expenses, including:
- Emergency vet visits
- Dental illnesses
- Alternative therapies
About our coverages
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects and toxic ingestions.
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems and UTIs.
Hereditary and congenital conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders and hip dysplasia.
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling and destruction of the home.
The optional preventive care add-on covers benefits including:
- Annual physicals
- Flea prevention
Coverage for preventive care (if purchased for a little more per month) begins immediately on the plan’s effective date. There is a 14-day waiting period for coverage for accidents, illnesses and knee/ligament injuries.
Although premiums will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet’s age or health.
Pre-existing conditions, cosmetic procedures, and/or costs associated with breeding or pregnancy are not covered.
Carolina’s 1st Choice Agency
Christian Gallardo. Text/call
704-464-0300. Insuring NC/SC
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