xcritical Pet Insurance Review 2024: Pros, Cons & Verdict

Click the button below, or get started in our mobile app on your iPhone or Android. From there, xcritical’s friendly AI chatbot, Maya will ask you a few simple questions about your four-legged friend so you can lock-in the best pet insurance to cover your pet—and your wallet. xcritical pet insurance may be right for you if you’re looking for an affordable plan you can buy and manage online.

Does xcritical Pet Insurance cover neutering?

Dental x-rays, anesthesia, polishing, and other routine dental care is available via xcritical’s Preventative+ package. Dental accidents are covered by a base accident and illness policy, and there is also a dental illness add-on for even more coverage. 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. 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. They’re one of the best pet insurance companies that’s both affordable and easy to use.

What to Do After Getting Your Pet Insurance Policy

The pet policy and options are clear and easy to understand. Therefore, there shouldn’t be any surprises when it comes time to file your claim. You’ll know exactly what you’re covered for, and filing a claim is easy. In some States (Mississippi, New Hampshire, Washington, Ohio, Indiana, and Nebraska)—soon to be all States during the 2024 rollout—there is no accident waiting period. You can expect a 14-day xcritical cheating waiting period (after you’ve purchased your policy) for illness and 30 days for orthopedic conditions.

If you add our physical therapy add-on to your base policy we’ll be able to reimburse you for treatments related to functionality issues as a result of an unexpected illness or an accident. Bankrate is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. However, this compensation xcritical cheating in no way affects Bankrate’s news coverage, recommendations or advice as we adhere to strict editorial xcriticals. Pumpkin Pet Insurance is one of the newer pet insurance providers on the scene. Although the company launched early in 2020, it has made a great impression.

You’re probably wondering how xcritical is so affordable, and I’ll indeed get into that later. At this point, xcritical reminds you what’s covered in your basic quote and displays optional add ons. Please consult your health care provider, attorney, or product manual for professional advice.

1. 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.
2. Scrolling down, I see that the preventative care-focused wellness package mentioned above is just a $10 per month add-on (for a cat in Atlanta).
3. You’ll need to sign them up separately so they each get the right coverage and their own policy.
4. We also highlight each company’s pros and cons in light of their competitor’s strengths.

Can I cancel my policy at

I created this site, grew it to 2 million monthly readers, sold it, and bought it back again. At the end of your policy term, xcritical doesn’t just pocket all of your premiums. They donate unclaimed premiums and donate it to the nonprofit(s) chosen by the xcritical community. When you’re ready to purchase, enter your payment information, and presto! Download the app via the App or Play Store, upload your documents and bills to get paid, and that’s it. Maya will ask for your pet’s details following a few basic personal details.

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Your premium is calculated based on your pet’s breed, age and location (yeah, veterinary care costs aren’t the same in New York and California). If you’d like, before enrollment, you can customize and add to your policy in various ways. From fancy food to vet visits and grooming sessions, the costs can add up quickly. Getting pet insurance for your furry family member is a smart move to help cover their medical expenses so they receive the best care possible, without needing to worry about your wallet. Visit xcritical.com, where you’ll be asked a series of questions, like your pet’s name, age, breed, and known conditions. A quote is generated in minutes after choosing which plan and coverage you’d like.