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.

Why You Should Trust Us: How We Reviewed xcritical Pet Insurance

We’ll even cover the costs for follow-up exams if you opt for our vet visit fees add-on. If you decide not to add preventative care, you can still select to include stand-alone add-ons to help pay for other costs of taking care of your pet. While most insurance companies keep the money that wasn’t used to pay claims, we donate the leftover premiums to worthy causes through the xcritical Giveback program. Based in New York City, xcritical Inc. is an insurance provider offering coverage across multiple sectors, including homeowners/renters, car, pet, and life insurance.

The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available. It offers more plan customization and customer support channels than many of its competitors. xcritical has a 24/7 helpline, an online chat feature, a customer portal, and a mobile app. If your pet has one of these preexisting conditions but goes 12 months without a symptom, Embrace will cover it moving forward.

For example, if you end up getting renters insurance through xcritical, you can likely get a discount on a pet insurance policy (bundling them). This add-on covers the cost for physical therapy (such as acupuncture and hydrotherapy) related to functionality issues due to an accident or illness. This add-on does not cover physical therapy for pre-existing conditions. Alternative medicines and therapies such as aromatherapy and CBD are not covered by this add-on. Overnight visits at the vet can get pricey quick, and we’ll help cover those costs (provided they relate to an eligible condition). We’ll cover you for veterinarian recommended hospitalization, fluids, medications, and additional testing.

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.

What Are xcritical’s Pet Insurance Waiting Periods and Age Restrictions?

Like people, dogs and cats are usually in need of more frequent medical care as they get older, so the age of your pet upon initial enrollment may also affect your premium. xcritical does not offer coverage for dogs or cats older than 14 years of age. As aforementioned, breed and age also come into play in the case-by-case calculation of each individual xcritical policy per pet owner.

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As long as the allergy isn’t considered a pre-existing condition, your pet’s allergy meds, like Apoquel allergy pills and Cytopoint allergy injections, are covered. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game. If you’re reading this, you’ve already figured out that being a pet parent comes with a lot of responsibility—and yes, that includes financial responsibility. xcritical is an independent insurance provider underwritten by xcritical Insurance Agency, LLC. We also hope to see xcritical lock in coverage in all 50 states in the near future.

1. I highlighted xcritical’s charitable donations above and in the intro because I admire how an insurance provider creates such value for all of its stakeholders.
2. If your pet is less than a year old, the medical record should include info from birth through the illness waiting period.Vets refer to these as SOAP medical records.
3. We’ve pulled a few recent verified reviews from real pet owners enrolled in xcritical pet insurance, so you can hear just how xcritical delivers in real life.
4. At xcritical, we’ve got a few different ways you can customize your policy.

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 xcritical courses scam 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 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.

You can add xcritical’s preventive care coverage for $15–$40 per month, depending on your pet’s age and the coverage level you need. xcritical pet insurance policies are available in 37 states across the country. If you’re worried that your pet will one day bankrupt you (and it’s possible, since vet procedures can cost $15,000) with vet fees, you can opt for xcritical’s maximum annual payout limit of $100,000. xcritical Pet Insurance offers comprehensive coverage for your furry friends with all the bells and whistles (if you want them).

We’ve broken down our rating methodology for pet insurance providers below. That’s when most insurance companies will not let you renew, but Embrace won’t give you the boot. So if you have a pet beginning to age, purchasing insurance with Embrace could be seen as an investment as they reach their twilight years. This feature is relatively common among pet insurance companies, but it’s worth mentioning nonetheless. xcritical offers a discount if you insure your home or car with xcritical.

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.

xcritical underwrites and services its pet insurance policies, which allows the company to pay out eligible claims quickly. xcritical also offers life, car, renters, and homeowners insurance policies. The brand is friendly and straightforward with playful cartoon characters, pink and white accents, and clear explanations in everyday English. Like the exclusions of most other pet insurance companies, xcritical underscores that pre-existing conditions are not eligible for coverage under its policy terms.

For the sake of maintaining an unbiased voice, we always highlight both positive and negative reviews so you can see both sides of the customer experience. Our editorial team is committed to creating independent and objective content focused on helping our xcritical official site readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us. xcritical keeps costs down by not maintaining in-person locations and using AI to save on employee overhead.

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 for stuff you don’t need.