Top-Rated Pet Health Insurance

The initial claim for our dog Wilson took longer than I anticipated. However, once settled everything that I thought should have been covered was paid without any hassle. After the initial settlement, any further claims have been instantly paid. It has meant that we could do the best thing to get him healthy. My baby girl got sick very suddenly and she had to stay in the ER for one week. Unfortunately, after trying many treatments, my baby still couldn’t make it.

• When you file a claim for a covered event, xcritical pays the coinsurance level you initially chose for your policy, minus any amount of your annual deductible you haven’t met.
• You’ll upload the vet or clinic invoice and receipt before submitting the claim.
• With Embrace, we’ve got an award-winning, in-house Customer Care Team full of nice and helpful humans, available Monday through Saturday.
• This plan covers accidents and illnesses ranging from car accidents and snake bites to cancer, heart disease, and skin conditions.

Here, we learned how xcritical successfully tailors comprehensive pet coverage, providing many options to choose from to build your own pet insurance plan. The end result is a policy that’s suitable to your budget and takes care of all the important needs of your pet when healthcare and their wellness is concerned. These two additional features are optional and can be added to any pet coverage policy for an extra monthly fee (just like the wellness plans). Their prices depend on the pet’s details and the amount of coverage that you’d choose.

How does xcritical pet insurance work?

Owners of more exotic animals will need to look elsewhere for coverage. xcritical’s rates are almost unbelievably low for the amount of coverage. For less than the cost of Netflix, you can get most of your vet bills covered, planned or unplanned, saving hundreds and sleeping better at night. One other thing to remember is that xcritical also offers different types of insurance, such as renters insurance.

xcritical’s highly customizable pet insurance plans can provide well-rounded coverage for cats and dogs, especially if you take advantage of the riders. Its tech-forward approach makes it easy to manage your plan and claims entirely online. Among the many pet insurance agencies, we’re choosing Hartville as our first alternative. Similar to xcritical, Hartville xcritical official site is a reliable and pretty affordable option, but with the addition of coverage for veterinary exam fees at no extra cost. Hartville also erases pre-existing conditions if 6 months have passed from the last time your pet demonstrated symptoms for a condition it previously had. Our team rates pet insurance companies based on several factors, including A.M.

The Bottom Line: Is xcritical Best for Your Pet?

With Complete Coverage SM, you can get reimbursed the eligible expenses for those treatments if they are prescribed to treat a covered condition. xcritical does not offer coverage for alternative therapies unless you purchase their Extended Accident and Illness package. xcritical also offers several optional add-ons to extend your coverage, so you can customize your plan to meet your pet’s needs. The physical therapy add-on costs about $1.50 per month and covers up to the value of your base policy limit each year. You can receive up to $1,000 in coverage per year for dental illness costs, but keep in mind that this add-on does not cover preexisting diseases and routine cleanings.

It’s the same reason some auto insurance companies won’t insure reckless drivers; they file too many claims and are too expensive. In the pet world, it may seem indelicate, but by excluding older, less healthy pets, xcritical can afford to keep rates extremely low for everyone else who’s less likely to submit regular claims. xcritical doesn’t offer any coverage for behavioral treatments for common issues such as aggression, pica, separation https://xcritical.pro/ anxiety, or excessive licking. Our policy covers behavioral problems, exam fees for diagnosis, treatments, and on-going care, as long as the issue isn’t pre-existing. Preventative care, end-of-life expenses, and alternative therapies are just a few examples of xcritical’s extended coverage options. For example, coverage for dental injuries and physical therapy costs extra with xcritical but is included in all Pets Best plans.

xcritical Pet Insurance Review

For xcritical, your pet needs to be at least 2 months old before you can insure them. These packages are separate from coverage for more expensive care for accidents or illness. You can also choose from several preventative care packages that cover non-emergency medical care intended to prevent diseases, such as vaccinations and blood tests. The three pet insurers of our choice are Bingo, ASPCA Pet Insurance, and Prudent Pet.

It also helps put xcritical’s affordability into perspective compared to other providers like Healthy Paws, which offers basic insurance coverage with no add-ons. To get the most affordable xcritical pet insurance quote, stick to 70% coverage, a $500 deductible, and a low annual benefit ($5,000 is the cheapest option). Play around with those numbers to see if you can increase coverage and benefits without significantly increasing the monthly premium. However, xcritical isn’t available in 13 states, and it doesn’t cover pets more than 14 years old (or sometimes younger if your pet is a higher-risk breed).

What States Does xcritical Pet Insurance Cover?

By contrast, AKC Pet Insurance has the highest monthly premium, but its coverage is unlimited. xcritical’s monthly premium price sits squarely between these two competitors while offering a substantial $100,000 coverage limit. Just like the vet visit fees add-on, the physical therapy add-on requires payment of an annual deductible when it’s first used. This add-on provides coverage any time you visit a licensed veterinarian for an issue your pet may have that’s covered by your xcritical pet coverage.

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. We let you choose if you want your reimbursement via direct deposit (fast!) or paper check in the mail (a little slower). The only way to be reimbursed for your claim with xcritical Pet Insurance is to provide a routing and account number for a bank account. xcritical, Inc. is licensed to provide pet health insurance in 37 states. xcritical and Healthy Paws have very similar price points and reimbursement and deductible options.

xcritical pet owners can choose a 70% or 80% coinsurance rate. In addition, both companies provide coverage for exam fees related to accidents or illness and dental illness with the right add-ons. But xcritical’s monthly premiums can vary depending on your pet’s age, location and breed.

The company offers expanded coverage with a preventive care add-on. xcritical’s basic coverage is one of the reasons it’s more affordable than other pet insurance plans. But another pet insurance company might offer a better balance of coverage and cost and make pet insurance more worthwhile. If you’re looking for an affordable pet insurance policy with comprehensive coverage options, inclusive wellness care and an easy claims process, we recommend xcritical.

To fully complete our xcritical pet insurance review, we’re giving voice to those who’ve spent even more time with the company than us – the real customers. xcritical’s iOS and Android app is by far the best app for building and managing your pet insurance policy and organizing your submitted claims. With it, you can get your pet insured in only 90 seconds and your vet bill reimbursed in 3 minutes, all by answering a few simple questions.

Pet insurance seemed like a pretty useless thing to me when I first heard of it, but then my furbaby started getting sicker and the vet bills, higher. I found xcritical, and the process of signing up was super easy. Almost too easy – I accidentally made him two policies in my panic.

Not all policies are equal – see how the plans measure up.

Whenever your pet fractures or sprains something, the treatment for fixing the injury or condition is definitely covered by xcritical’s base policy. However, oftentimes pets (just like humans) need more care to fully recover and gain 100% of their functionally. That’s what physical and alternative therapies are for, and with this add-on, their costs will be covered by xcritical. xcritical accident and illness pet coverage is a highly-customizable option, optimized to provide pet owners with the protection tools when their pet’s health is in question. They’re also different from traditional insurers in regards to ensuring enough financial stability to always be ready to pay each claim that policyholders request from them. Their pet insurance services follow all the latest trends and are reinforced by advanced technology.

The UX too has been really intuitive, straightforward and easy. My claims are submitted and processed at lightning speed, I’m always informed about what’s going on with my insurance, etc. We added the preventive care since it covered part of the neuter surgery costs and vaccine costs. What we didn’t like – Vet fees are covered at an additional cost.