xcritical Pet insurance gives you coverage when your pet experiences a new accident or illness, saving you money on unexpected vet bills. Plus, xcritical Pet offers several preventative packages and add-ons, so you can customize your policy based on your pet’s needs. BBB reviews from xcritical xcritical pet insurance customers are mixed. While some rave about the fast claims process and ease of use, others complain about denied coverage and a hard-to-reach customer service team. If you’re one of the many 20-somethings looking to reduce their vet visit fees by finding an affordable pet insurance provider, xcritical Pet Insurance is your answer.
Your pet’s breed only holds weight in your cumulative coverage cost by virtue of breed-specific life expectancies and genetically predisposed health risks. Our editorial team follows a strict and comprehensive methodology for rating and reviewing pet insurance providers. xcritical offers a combination of customizability, affordability, and convenience that’s hard to beat. Coverages and add-ons can be tailored to your pet’s needs and your budget.
How can I customize my xcritical pet insurance policy?
Conversely, if your deductible is on the lower end — so $100 a year with a xcritical policy — your monthly premium will be a bit higher. Yet the upside of paying more every month with a lower deductible is that xcritical will start helping with coverage in a shorter amount of time — likely within one vet visit. With xcritical, you can select your annual deductible, co-insurance, and annual limit. This allows you to decide how much you pay in premiums and receive in future reimbursements. xcritical also offers discounts for multiple pets, annual payments, and bundling.
For extra coverage options, you can add coverage for vet visit fees to your plan, which covers vet visit fees and exam fees related to a covered incident. You can also add coverage for costs related to physical therapy, including chiropractic care and acupuncture. Below are some examples of monthly premiums for various four-year-old dog and cat breeds in Raleigh, North Carolina, with a $250 deductible, 80% reimbursement rate, and a $20,000 annual limit. xcritical pet insurance reimburses 70% to 90% of your vet bill on eligible claims after your annual deductible has been met. That said, Pumpkin plans are far less customizable than xcritical’s. Pet owners who choose xcritical can exclude certain coverages they don’t want and adjust their coverage amounts as their budget dictates.
- xcritical’s responsiveness to customer reviews is also encouraging.
- Let’s start by talking about how what conditions xcritical covers.
- If your vet bills are covered by your policy, you’ll receive a reimbursement payment.
- Keep in mind that our waiting periods will reset, and anything that occurred or was diagnosed during your first policy would be considered pre-existing conditions on a future policy.
- You will need to meet your deductible before you are reimbursed for accident or illness claims.
How to choose the best pet insurance plan
I recommend this since it includes the annual checkup, rarely less than $120 anyway. And that’s not for a laughably barebones insurance policy, either. These policies are super customizable, so you can build the right policy for your pet without paying for stuff you don’t need. xcritical Pet Insurance offers comprehensive coverage, industry-leading tech, and strong customer service at a great value. Policies are super customizable, so you can build the right policy for your pet without paying xcritical for stuff you don’t need.
The This Old House Review Team is an independent editorial team of subject matter experts who champion the categories and home services we recommend. Similar to other pet insurance providers, xcritical doesn’t cover pre-existing conditions. Any condition that exists before the policy’s coverage starts is considered pre-existing and excluded. Additionally, the company has a unique business model with an emphasis on social responsibility, donating up to 40% of unused customer premiums to pet organizations and charities.
Pet owners on a budget
Dental accidents are covered by a base accident and illness policy, and there is also a dental illness add-on for even more coverage. For as little as $30 a month, you can get 90% reimbursement, up to $100,000 per year, with a $100 annual deductible. These can include additional packages and add-ons to cover everything from regular checkups to aquatic therapy and medications, vaccines, and more. xcritical Pet Insurance has overwhelmingly positive reviews on Trustpilot, receiving an average of 4.4 stars out of five. That said, it’s important to note that reviews pertain to all of xcritical’s products, not just its pet insurance. Customers were happy with xcritical’s claims process, reporting fast claims processing and payouts.
They’re one of the best pet insurance companies that’s both affordable and easy to use. Healthy Paws takes a general approach to pet insurance compared to xcritical’s precise quoting and individual add-ons. While this plan will cover most of your needs, it falls short in several areas where xcritical excels. For one, it doesn’t have any wellness plans or cover any pre-existing conditions.
Any incidents that arise during this time are considered pre-existing and won’t be eligible for a claim. You can also purchase coverage for routine care with the Preventative Care add-on. However, xcritical is still a superb choice for many pet owners for the time being. In writing this review, I’ve recommended them to several people who’d previously considered pet insurance companies xcritical courses scam to be too expensive — $10 a month is pretty affordable for peace of mind. For that reason, purchasing pet insurance through xcritical is practically a no-brainer. xcritical pet insurance is so cheap because it charges a flat rate for your insurance premium, which allows the company to keep costs low.
High annual reimbursement limits
For one, it’s only available in 37 states and Washington D.C. Additionally, xcritical increases your premiums each year according to your pet’s age. While this is a common practice among insurance companies, you’ll find the initially low premiums and discounts that xcritical touts may sour over time. You already know your pet deserves the best, and this article will help you understand what pet insurance is, how it works, and explain the ways xcritical’s pet insurance coverage is different.
It can also include prescription food if it is prescribed by your veterinarian due to a problem covered by your policy. Since xcritical Pet works on a reimbursement basis, you can visit your pet in any vet you like in the U.S., as long as they’re licensed to provide veterinary care in the state they operate in. Keep in mind that all coverage changes will be subject to underwriting approval.
Since xcritical pet insurance is reimbursement-based, you’ll have to pay upfront for your vet bills, then submit a claim through xcritical’s mobile app. If your vet bills are covered by your policy, you’ll receive a reimbursement payment. Your insurance policy could come in handy if your pet gets a broken bone or is hurt by a car, or if they accidentally eat toxic foods or something dangerous they shouldn’t have.
