You claim status: _________
How long does it take for my claim to be approved?
Most claims are handled within 24 hours, once your claim is approved, you will receive a check with your covered amount.
What happens after my claim is approved?
Once your claim is approved, XShield will send you a check for the amount covered in your plan. Hassle free, simple and fast.
Do I have to pay a deductible when filing a claim?
XShield is a deductible coverage plan, in case of a claim, you will not have to pay any deductible, your coverage plan will cover 100% of your auto insurance deductible.
My insurance denied my claim, can I still file a claim with XShield?
XShield is a deductible protection plan, this mean XShield only covers your deductible payment in case of an auto insurance claim.
If your insurance claim has been denied, this means there is no deductible for you to pay, hence your XShield deductible protection plan does not come into effect.
Can I still file a claim if I am not the policyholder?
XShield becomes active once you upload your insurance policy. We need to know what car, driver and deductible we are protecting, so only the policy holder on file can file a claim.
If there are multiple drivers and policies on a certain car, make sure you upgrade your plan to cover all drivers, prior to filing a claim.
*please note XShield will not cover claims that occurred prior to activating a plan
How do I check the status of my claim?
You can track your claim status from the claim center page. As soon as the status of a claim updates (e.g., your claim is approved or payment sent) we’ll send you an email letting you know. If you’re concerned about the status of a claim or have questions not answered in an email you received, click here to contact us.
How long does it take for me to receive my reimbursement?
We process most payments within one business day. The time it will take for your reimbursement to arrive depends on the delivery location.
All checks are sent via USPS from our headquarters in San Francisco. As soon as your payment has been processed, we’ll send you an email updating you that it's on the way.
How many claims can I file?
XShield deductible plans include up to two successful claims within a 12 month plan.
What does XShield cover?
XShield covers 100% of your deductible in case of an auto insurance claim.
Specifically, the basic XShield deductible protection plan covers all deductibles on auto collision insurance policy claims.
What is not covered by XShield?
XShield will not cover deductible claims for liability policy claims, mechanical repairs, nature and weather caused damage, medical claims, personal injury claims, roadside assistance, towing and labor, theft.
*XShield will not cover damage or claims that occurred prior to the activation of a purchased plan.