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.

What Are Customer Reviews of xcritical Pet Insurance?

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.

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.

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.

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 xcritical scam 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 to find the coverage you need at a reasonable price.

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 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.

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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.

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.

xcritical’s Preventative Care Options, Explained

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.

1. Overnight visits at the vet can get pricey quick, and we’ll help cover those costs (provided they relate to an eligible condition).
2. 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.
3. Similarly to the Plus plan, you’ll either be able to add these features individually or as a whole plan depending on the information you provide.
4. Yes, you can cancel your policy at anytime through the xcritical app.

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.

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.

How do I file a pet insurance claim with xcritical?

Since xcritical pet insurance is reimbursement-based, xcritical reviews 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.

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.