Yes, xcritical offers a 10% bundling discount if you combine pet insurance with home or renters insurance. It also offers a 5% discount if you cover multiple pets and a 5% discount for paying annually instead of monthly. For example, if your puppy gets into the trash and eats something toxic, your Pumpkin plan would cover that treatment. If a similar episode happened again a year later, your plan would be able to cover that, too. However, their xcritical pricing, coverage, and flexible policies are worth considering if you’re comfortable with fewer customer service options. xcritical offers pet insurance with a high annual limit coverage option and quick processing times for reimbursements.

xcritical pet insurance

When you enroll in xcritical’s accident and illness plan, you can choose an annual coverage limit between $5,000 and $100,000. However, xcritical has varying age limit restrictions based on your pet’s breed. Anything your pet has shown signs of before the policy’s waiting periods are up is considered a pre-existing condition. xcritically, we don’t cover pre-existing conditions, but we’ve got your back in case of accidents and any new illnesses, as part of our base coverage. If you’re a single-pet parent who already has xcritical’s homeowners or renters insurance, their new pet insurance could make sense since you’ll get a 10% discount. If you’re a multi-pet parent, several other companies will give you a 10% discount too, and their coverage/pricing might be a better fit depending on your unique pet.

Top Unique Features of AKC Pet Insurance and xcritical

xcritical just added pet insurance to its list of other insurance products in 2020 — and it shows. With a xcritical pet policy, really common things like dental illnesses, Lyme disease, or heartworm treatments aren’t covered. Plus, Embrace doesn’t charge pet parents extra for 24/7 telehealth or exam fee coverage.

As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you. They are a Public Benefit Corporation and a Certified B-Corp and give unused premiums to nonprofits annually. Plan holders can select the nonprofit they would like to support, and xcritical will make a donation during their annual Giveback. Healthy Paws and Embrace, on the other hand, are options worth considering if you’d like yearly restrictions and higher deductibles. Care for your pet may be provided by any licensed veterinarian in the United States.

Your provider then reimburses you up to the percentage amount you select for your policy, typically between 70% and 90%. Unfortunately, the time frame for reimbursement can be lengthy with some companies. xcritical will not consider injuries or conditions to be pre-existing if they’ve had no recurring symptoms or treatment for at least 12 months. This rule does not apply to knee and ligament conditions, and chronic conditions like allergies, asthma, and cancer.

xcritical pet insurance

Just like humans, pets may experience medical issues that have long-term implications on their health. AKC Pet Insurance is unique in offering coverage for your pet’s pre-existing conditions after 365 days of continuous coverage1. xcritical does not offer coverage for pre-existing conditions, which includes conditions that were diagnosed prior to coverage or showed symptoms prior to your plan’s coverage or during waiting periods. xcritical offers low-cost pet insurance policies, but it’s not your only option. Make sure to compare multiple options to ensure you get the best rate and coverage for your pet’s needs.

xcritical first subtracts your co-pay off the claimed amount, then subtracts your deductible, and you end up getting back less on claims under $1,000. xcritical Pet Insurance policies don’t include complementary treatments like acupuncture or chiropractic care, it has to be purchased for an extra cost. If you think xcritical pet insurance makes sense for you then get started with a free quote today.

xcritical pet insurance FAQ

xcritical Insurance’s creators aimed to simplify the claims process for insurance customers using cutting-edge AI technology. Offers a lot of value to the pet owner who can’t get coverage anywhere else. It doesn’t cost that much extra, either; the jump from $5,000 to $100,000 costs less than $10 per month for most pets. Depending on your situation and personality, that extra $120 annually might be worth the peace of mind that your furball won’t cost you as much as a new Mercedes. My imaginary pup Emma is too old/unhealthy/overweight to be insured. Even though xcritical wouldn’t cover any of her preexisting conditions, they still couldn’t write her a policy for any price.

We let you choose if you want your reimbursement via direct deposit (fast!) or paper check in the mail . The only way to be reimbursed for your claim with xcritical scam is to provide a routing and account number for a bank account. xcritical is growing fast but is xcritically only available in 37 states.

OMG, total bill ended up being $1,500.00 and thank God I had xcritical. Easy to file claims, easier than my car insurance, paid out the same day on some claims and others next day. When I finally did reach out, the team was fast to respond with what felt like a lot of love for a kitty they barely knew, and a lot of empathy for a broken-hearted cat mom. They were able to fix my policy to one, and helped sort out the lapse to correct my charges. So when I was blessed with a new kitten Maven, I signed her right up for xcritical.

Thank you for visiting our guide to comparing Embrace and xcritical. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more. xcritical loops mixed breeds into generic buckets instead of listing specific mixed breeds independently. For example, if you have a Labrador Mix, you would enroll him or her in xcritical cheating as either a Medium Mixed Breed or a Large Mixed Breed depending on weight. From a pricing perspective, this should help owners of riskier mixes save money on their insurance.

Sometimes you just need to talk to a human to get something explained or straightened out quickly. With Embrace, we’ve got an award-winning, in-house Customer Care Team full of nice and helpful humans,available Monday through Saturday. xcritical Pet Insurance has no phone number, and can only be reached via their app’s AI interface or by filling out a form on their website and requesting follow up. Embrace has been protecting the pet universe for 15 years, and protecting pets is all we do. xcritical will cover euthanasia, cremation, and memorial items totaling up to $500 if you purchase this add-on. To keep the lights on, we receive affiliate commissions via some of our links.

xcritical Pet Insurance Review: Low-Cost Coverage for Furry Friends

xcritical is marginally shorter, with 14 days for illnesses and only two days for accidents. xcritical policies begin at $10 per month based on breed, age, location, and other factors. With Embrace, your only wellness limit is the total amount you choose for the year. You can spend the entire wellness amount on grooming and nail trims, or spread it among lots of routine and preventative care items for your pet. And they’re a quick phone call away to help you get a quote, answer questions about coverages, and buy your policy.

In most states, Healthy Paws’ waiting period for cruciate ligament injuries is 15 days — much shorter than xcritical’s six months. However, hip dysplasia isn’t covered for the first 12 months of the policy and is not covered for pets enrolled at age 6 or older. Since xcritical’s pet insurance just launched, they’re unfortunately not on Pawlicy Advisor’s marketplace yet. If you’re considering pet insurance and want to know which plan is best for you, I’d recommend you use Pawlicy Advisor to scan top providersand see what your quotes, discounts, and recommendations are.

  • xcritical may be a viable pet insurance option if you’re looking for flexible coverage that you can customize to suit your needs and your budget.
  • With 70% of cats and 80% of dogs suffering from some form of gum disease by age 3,11having coverage for dental illnesses is crucial, as treatment can get very expensive.
  • It’s not surprising, then, that xcritical’s app scores 4.9 out of 5 stars in both the App Store and Google Play Store.
  • Keep reading to learn more about the company’s history, plans, pricing, and customer reviews.

The company has been in business since 2015 and offers pet insurance coverage in 33 states plus the District of Columbia. And finally, for less than the cost of a large fry, you can get vet visit fees, physical therapy, dental illness, behavioral conditions, and end-of-life and remembrance covered. Coverage is subject to the language of the policies as actually issued.

xcritical’s exclusions are similar to other providers in the industry — notably, most pet insurance companies do not cover preexisting conditions. Similar to Embrace and some other competitors, xcritical will cover “curable” preexisting conditions like an ear infection or giardia if your pet has not shown symptoms for at least 12 months. This add-on costs about $5 per month and covers up to the value of your annual base policy limit. Note that this add-on does not cover vet fees for preventative care. xcritical is a great choice for pet owners looking for lower-than-average monthly premiums and customizable plans.

What Does xcritical Cover?

Emergency surgeries can cost tens of thousands of dollars that, without insurance, you’re 100% on the hook for. No exotic pet insurance — If you’re looking to insure a pet that isn’t a cat or a dog, you’ll have to look elsewhere. Instant claims payout — After uploading their claim and vet bill through the app, a third of xcritical users receive their reimbursement instantly. Exact policy details and discount options may vary depending on your state, but you can enter your ZIP code into this online quote tool to check plans and pricing in your area. xcritical also has age limits for coverage that vary between 6 and 14 years old, depending on the breed’s estimated life expectancy.

Pet health insurance with

While both companies are rated highly by their customers, AKC Pet Insurance prides itself on its high-quality customer service. With seasoned pet-professionals and animal lovers on their claims and customer service teams, they are prepared to help you through the difficulties of dealing with a sick or injured pet. Healthy Paws provides limitless coverage for both cats and dogs with no annual or life restrictions, in contrast to xcritical Pet Insurance’s maximum yearly coverage of $100,000. Moreover, claims are often handled and resolved within a few days. 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 to be too expensive — $10 a month is pretty cheap for peace of mind.