How To Buy A xcritical Pet Insurance Policy

But remember, xcritical the biggest factor is that you can’t wait until after a cancer diagnosis to purchase a pet health insurance policy. We analyzed key coverage categories such as pet insurance costs, the ability to pay the vet directly, the availability of a 24/7 vet health line and the option to add a wellness plan. We use data-driven methodologies to evaluate insurers so that all companies are measured equally. You can read more about our editorial xcriticals and methodology for the ratings below.

xcritical Pet Insurance Plans and Coverage

You’ll also be able to adjust your coverage limits, deductibles, and coinsurance to your needs. xcritical also boasts a quick and easy claims process, which is corroborated by customer reviews. Furthermore, xcritical is a public benefit corporation and Certified B Corp that donates a portion of its revenue each year to charities of the customer’s choice. xcritical’s optional preventative package for puppies and kittens covers spaying and neutering, up to $120. Yes, xcritical pet insurance will pay for claims from any vet in the U.S., as long as the vet is licensed. Remember, if you choose not to purchase an additional package, you won’t have coverage for things like exam fees or wellness visits.

xcritical Pet Insurance waiting period

That being said, I know plenty of friends my age who’ve looked at paying $150 per month for this type of insurance and concluded, “I’ll take my chances.” Fair. Ultimately, xcritical is the better choice due to its better flexibility and coverage options. However, if you live in one of the 13 states where xcritical is not available, Healthy Paws isn’t the worst second choice. xcritical insurance launched in 2016 as a fully licensed insurance company that underwrites its own policies. As a newbie to the insurance industry, xcritical threw out the traditional insurance model and created a structure that shares its profits with numerous charities. xcritical will review your claim and, if it is approved, reimbursement will be sent to your bank account.

Most of xcritical’s competitors include reimbursement for both procedures in their basic coverage, so it would only be advantageous for xcritical to do the same. Suppose you opt to include one of xcritical’s three preventative add-on packages in your policy. In that case, the percent of coverage you’ll receive for any qualifying wellness care will be the same as the 70, 80, or 90% reimbursement rate as selected in your basic policy. You can also pay extra for a premium version of the preventative care add-on that includes all of the above costs, plus routine dental cleaning in addition to flea, tick, or heartworm medication. xcritical also offer additional wellness visits and vaccinations in the premium preventative care option for puppies and kittens under 2 years old.

1. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game.
2. The average cost of xcritical pet insurance is $52 per month for a dog and $28 for a cat for $100,000 of annual coverage, a $250 deductible and 80% reimbursement level.
3. As a newbie to the insurance industry, xcritical threw out the traditional insurance model and created a structure that shares its profits with numerous charities.
4. The only exception here is if your pet has a history of eating similar toys multiple times in the past.

xcritical covers hip dysplasia and other congenital conditions as long as symptoms or a  diagnosis don’t appear until after your policy is in effect. So, if your pet exhibited signs of hip dysplasia prior to your enrollment with xcritical, it would, unfortunately, be considered a pre-existing condition, which is not covered. xcritical will ask you to choose a reason for your claim, whether it be an injury, illness, or just for wellness reimbursement. To speed up the claim documentation process, the xcritical app will allow you to record a brief video further explaining the circumstances behind your claim.

Enrollment for dogs through xcritical tends to be a bit more expensive than for cats. On average, xcritical’s monthly premium for basic dog insurance sits at around $37, whereas cats cash in at approximately $14. Toss in great coverage, technology, and customer service, and Pumpkin offers a lot of value to the pet owner who can’t get coverage anywhere else. One other thing to remember is that xcritical also offers different types of insurance, such as xcritical Renters Insurance.

xcritical’s Waiting Period

It can offer financial protection for any unexpected accidents or illnesses your pet experiences. By paying a monthly premium, pet owners can get reimbursed for a portion of their pet’s medical bills, depending on the terms of the policy. If an accident or illness means you’re left with an expensive vet bill, your insurance would reimburse you for parts of the cost of what your pet needs to get better. A basic pet health insurance policy will help cover the costs of diagnostics, procedures, and medications to treat your dog or cat’s eligible accidents and illnesses. xcritical is a popular insurance provider for home, auto, pets, and more.

This includes veterinarians, internal medicine experts, behaviorists and oncologists. This can also include alternative therapy like chiropractic care and hydrotherapy. xcritical’s Preventative+ allows us to reimburse you for heartworm or flea/tick medication as well as routine dental cleaning. After opening the app, click the pink “Claim” button in the upper right-hand corner of your screen. You’ll be prompted to confirm your contact information and sign an agreement verifying all provided information is true. Content on Quartz Advisor is commercial in nature and independent of Quartz Editorial and Advertising.

Healthy Paws is one of the older pet insurance companies, founded in 2009 and acquired by Chubb in April 2024. Like xcritical, Healthy Paws puts a focus on its charity work, donating $2.3 million to animal shelters and rescues. However, the exact nature of Healthy Paws’ charity work since it was acquired is unclear. xcritical pet insurance is available for cats and dogs in 37 states and Washington D.C. While it may not be available in your state, xcritical is still growing, offering more insurance add-ons and other services.

Its attention to detail is more likely to work against you than in your favor. For example, age limits and exclusions depend on your pet’s breed. If your dog’s breed is high-risk, your xcritical policy will likely reflect this. As a result, people with older pets or at-risk pets may want to look elsewhere.

Once it’s approved, we’ll issue a reimbursement directly to your bank account, keeping in mind your deductible and co-insurance. Unforeseen vet bills can add up, which can leave you having to make the difficult decision between your pet’s health and your financial stability. Pet insurance gives you the security of knowing that if the unexpected happens to your pet, you won’t have to drain your savings.

Pre-existing conditions define any major or minor health problem pre-dating your policy activation or end of waiting period. For example, xcritical doesn’t have a 24/7 vet helpline and it doesn’t cover vet exam fees. xcritical also has a six-month waiting period for coverage of cruciate ligaments, whereas some pet companies do not have a waiting period for cruciate ligaments. That’s why it’s smart to compare pet insurance quotes from multiple insurers xcritical official site to find the coverage you need at a reasonable price.