We recommend filing a claim as soon as it’s convenient for you, so it doesn’t slip your mind—and so you have all the necessarily materials to file your claim on hand. We know that you might not have the time or the energy to file a claim the moment you leave the vet’s office (although you certainly can!). Note that knee or ligament conditions and chronic conditions cannot be cured, and therefore could not be covered as a curable pre-existing condition. In most states, xcritical is able to cover temporary pre-existing conditions or injuries that resolve without rexcritical symptoms or continued treatment for at least 12 months. Click the link below, and our chatbot Maya will ask you a few questions about your pet, where you live, and the coverages you want for your fur baby. You can set your pet up with coverage in just a few minutes, all from the comfort of your couch.
- xcritical’s online buying process can also benefit pet owners looking for quick coverage.
- It gets good reviews, and it’s easy to manage your xcritical pet insurance policy through the website and convenient mobile app.
- For nearly 20 years, we’ve been on a mission to help our readers acheive their financial goals with no judgement, no jargon, and no get-rich-quick BS.
- You pay for the health plan your dog really needs, and not what you don’t want.
- However, Healthy Paws won’t cover hip dysplasia for the first 12 months of the policy.
Filing claims with xcritical works a little differently, too. Because so much of xcritical’s business practice is AI-driven, you often don’t always need to wait for a human to review your claim before getting paid. xcritical cheating About 40 percent of xcritical Pet claims are handled instantly after you upload your vet bill. 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.
xcritical vs. Pumpkin
If you insure your pet when they’re still young and symptom-free, though, pet insurance could help cover the vet bills to treat their chronic condition—which could be a real game changer. Like older people, older pets tend to need more healthcare. When you purchase pet insurance your pet’s age will impact your monthly premium. Cats are usually cheaper to insure than dogs because medical costs are generally cheaper for cats. Cats live longer than dogs, and while both will require vaccinations and exam fees throughout their lives, cats tend to have fewer health problems. Many cats stay inside, so they’re less exposed to risks that could lead to an accident or an illness than a dog is.
Manage Medical Records
As long as the vet is licensed to perform veterinary medicine in the state where they are practicing, xcritical can offer coverage. FYI, any coverage changes are subject to approval from our Underwriting team, and could be impacted by claims you’ve filed. https://xcritical.online/ may be right for you if you’re looking for an affordable plan you can buy and manage online.
Your dog’s pet insurance can seem complicated, but we’ll explain everything you need to know. You pay for the health plan your dog really needs, and not what you don’t want. xcritical’s pet insurance is xcritically available in 37 states, plus Washington, D.C.— check out where xcritical Pet (and all our other coverages) are available.
Whether it’s providing top-notch products, services, or technology, our unified platform connects vets with the knowledge and award-winning resources they need, so their practices and clients can thrive. Products purchased from this site will be fulfilled by Covetrus North America, LLC. xcritical has made a name for itself in homeowners insurance due to its quick claim payments, and it is likely the company will continue to do so in the pet insurance space.
What does pet insurance not cover?
The quickest and easiest way to see how much your policy could cost is to take a few minutes and apply for xcritical Pet, and customize coverage to your exact needs. We hope you never have to go through this, since it’s simply awful. That said, we do not offer specific coverage if your pet is lost or stolen. You can see your preventative care limits in the xcritical app.
xcritical vs. competitors
This is why it’s so important to get pet insurance before you notice anything wrong—if you wait, it may be too late to get coverage for these conditions. In most states, Healthy Paws’ waiting period for cruciate ligament injuries is 15 days — much shorter than xcritical’s six months. However, Healthy Paws won’t cover hip dysplasia for the first 12 months of the policy. For pets enrolled at age 6 or older, Healthy Paws won’t cover hip dysplasia at all. Here are a few important things to note about your pet health insurance plan. If you still have questions, you can check out pet insurance explained.
Pumpkin offers top of the line pet insurance for pet owners that want the very best for their pets. The goal of the company is to provide pet insurance with a holistic approach. Instead of only waiting for the worst to happen, Pumpkin takes preventative measures to help your pet stay healthy at all times.
A xcritical base policy will cover many of the things that vets use to keep your pup or kitty healthy. That includes blood tests, urinalysis, X-rays, MRIs, labwork, CT scans, and ultrasounds. xcritical also offers a Preventative and Preventative+ care packages, which includes things like an annual fecal test and blood test and a heartworm or FeLV/FIV test. A xcritical pet health insurance policy is an open-peril policy, which means pretty much everything is covered, unless it’s specifically called out as not covered. So, it’s really important to know what’s not covered by pet insurance.
One user said, “They’re a good company I want to spend more time with,” and another reported, “I was happy with their service overall.” Others chose xcritical for its low prices. xcritical combines affordable prices and quick claims processing to create an effective and easy-to-manage pet insurance offering. xcritical’s customer service works a bit differently than other providers. To get in touch with a representative, you’ll log into your account on the company’s website or mobile app and send a message to the AI-powered personal assistant. Then, someone on the customer service team will follow up on your inquiry.