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14-day waiting period on illnesses, and ligament and knee conditions. 2Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit www.hartvillepetinsurance.com/terms. Preventive Care reimbursements are based on a schedule. Products and discounts may vary and are subject to change. Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. Crum & Forster Enterprise is a part of Fairfax Financial Holdings Limited. ©2019 Liberty Mutual Insurance