How does Wagmo pet insurance work?
Wagmo offers both standard pet insurance and wellness plans which are fully customizable to suit every budget and every pet. The insurance plans cover emergencies, accidents, and illnesses, while the optional wellness packages offer coverage for everyday care. Monthly premiums are calculated by the zip code, breed, age, and sex of your pet. Although you can choose your preferred deductible, Wagmo has capped the reimbursement level, lifetime limit and incident limit. They claim this is to avoid you paying for extra coverage which their research shows you may not need. Claims are submitted online.
The benefits of Wagmo pet insurance
Electronic claims. 100% reimbursement. Multi-pet discounts. Need we say any more? Pet insurance with Wagmo is comprehensive and good value for money, plus its digital services are well rated among users. There’s even a quiz for you to find the best plan for your pet.
Wagmo plans explained
There is a single insurance plan available with Wagmo that is adaptable to your preferences. Choose between three deductible amounts - $250, $500, or $1,000. To keep things simple and at a lower monthly cost, Wagmo has capped the lifetime claim limit to $100,000 and the per-incident limit to $10,000. All plans also have up to 100% co-insurance. Then, if you’d like to add additional wellness coverage, choose from one of three packages which suit all budgets. Wagmo dog insurance prices start from $13 a month while cat insurance begins at $9 a month. The age of your pet will also affect your premium.
What does Wagmo pet insurance cover?
Wagmo pet insurance covers an extensive list of medical treatments, illnesses, and accidents including surgery, X-rays, cancer, prescription meds, hip dysplasia, prosthetics, and even hereditary and congenital conditions. Their coverage is comprehensive compared to competitors. Wellness plans and preventative care are not covered in the standard plan.
Wagmo coverage vs. other insurers
How does Wagmo stack up against America’s other providers? Have a look in our handy table!
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|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| Annual coverage options | $20,000 | $5000, $10,000, $20,000, $50,000, $100,000 | $5,000, $10,000, Unlimited | Unlimited | $5,000, $8,000, $10,000, $15,000, $30,000 | $5,000, $10,000, Unlimited | Unlimited | $5,000, Unlimited | $3,000, $4,000, $5,000, $7,000, $10,000 | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | Unlimited | $5,000, $10,000, $15,000 | $10,000, $20,000, Unlimited | $10,000 | $2,000, $5,000, $10,000 |
|---|
| Deductible options | $250, $500, $1,000 | $100, $250, $500 | $100, $250, $500 | $100, $250, $500, $750 | $200, $300, $500, $750, $1,000 | $250, $500, $750, $1,000 | $100, $250, $500, $750, $1,000 | $50, $100, $200, $250, $500, $1,000 | $100, $250, $500 | $100, $250, $500, $750, $1,000 | $0-$1,000 | $300, $500, $700 | $100, $250, $500 | $250 | $50, $100, $250, $500 |
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| Reimbursement options | 90%, 100% | 70%, 80%, 90% | 70, 80, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90%, 100% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 90% | 70%, 80%, 90% | 90% | 50%, 70% | 70%, 80%, 90% |
|---|
| When does coverage start? | 15 days | 2-14 days | 2 days accidents / 14 days illnesses | 15 days | 2-14 days | 1-14 days | 15 days | 3-14 days | 15 days | 15 days | 5-30 days | 15 days | 14 days | 14 days | 1-14 days |
|---|
| Maximum age at sign up | 16 years | 14 years | 14 years for illness (no max for accident) | 14 years | 14 years for illness, no max for accident | No maximum | 13 years | No maximum | 18 years | No maximum | 14 years | No maximum | No maximum | 20 years | No maximum |
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| Are vet exam fees included at no extra cost? | | | | | | | | | | | | | | | |
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| Are dental accidents covered? | | | | | | | | | | | | | | | |
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| Are dental illnesses covered? | | | | | | | | | | | | | | | |
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| Is there a wellness plan offered? | | | | | | | | | | | | | | | |
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| Is there a virtual vet/telehealth service? | | | | | | | | | | | | | | | |
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| End of life coverage | | | | | | | | | | | | | | | |
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| Is there a multi-pet discount offered? | | | | | | | | | | | | | | | |
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| Is there a charge for paying monthly? | | | | | | | | | | | | | | | |
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| Is there an app to make claims? | | | | | | | | | | | | | | | |
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*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement
Is Wagmo pet insurance good value for money?
With a long list of eligible treatments and medical conditions, plus three price points for wellness plans, Wagmo certainly offers value. The monthly premium is not the lowest we’ve seen but there is a multi-pet discount of up to 10% and an additional 15% discount is available if you reach a year with no claims. Wagmo will cover up to $100,000 in claims over your pet’s lifetime.
| 4-month-old Mixed Breed Medium | 2-year-old Golden Retriever | 6-year-old Domestic Shorthair Cat |
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| Los Angeles | New York | Florida |
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| | | |
| ASPCA Pet Health Insurance | $47.61/month | $56.79/month | $29.52/month |
| Nationwide | $30.97/month | $50.38/month | $22.23/month |
| Trupanion | $60.61/month | $67.54/month | $39.17/month |
How good is Wagmo’s customer service?
Although there is no customer service phone number, our reviewers report speedy email communication from the Wagmo team. They also aim to pay Wellness claims within 24 hours.
How do I contact Wagmo?
You can contact Wagmo in several ways. Head to the website to submit a message or question via the contact form, or use the 24/7 live chatbot option. You can also send an email to
support@wagmo.io for general queries or
claims@wagmo.io for claims questions.
What is Wagmo’s claims process?
You can submit a claim via the Wagmo app or customer dashboard which can be found on the website. This is also where your policy documents will be stored. Select ‘make a claim’ in your Wagmo dashboard and upload a copy or photo of your itemized invoice, along with your pet’s medical history.
How much will Wagmo pay for my claim?
Wagmo insurance claims have a reimbursement level of up to 100% but the amount you receive will also depend on your deductible. Up to $10,000 is covered per incident.
| Average
Vet Bill |
Cash back w/ 90% |
Cash back w/ 100% |
Difference between 90% & 100% |
| Cancer
$8,137 |
$7,323.30 |
$8,137.00 |
$813.70 |
| Hip Dysplasia
$3,490 |
$3,141.00 |
$3,490.00 |
$349.00 |
| Swallowed Object
$3,262 |
$2,935.80 |
$3,262.00 |
$326.20 |
| Heart Murmur
$1,140 |
$1.026.00 |
$1,140.00 |
$114.00 |
Are there any exclusions?
Insurance plans do not cover pre-existing conditions, prescription food, dental surgeries, grooming, spraying/neutering, alternative therapies, preventative care, cosmetic surgeries, and vitamins or supplements. Although you can add some of these things to your coverage with an additional wellness plan.
What are the waiting periods for conditions?
Accident and illness insurance has a waiting period of 15 days, but cancer treatment has a waiting period of 30 days – twice as long.
How quickly does Wagmo pay claims?
There is a big difference in how claims are processed for wellness and insurance. Wellness claims are processed in-house so have a very fast turnaround of 24 hours. However, insurance claims are processed by a third party within a week. Payment times will also vary depending on which method you selected – bank transfer, paper check in the mail, or instant card payment. Wellness reimbursements can also be made via Venmo or PayPal.
Can I customize my Wagmo plan?
Yes. Lifetime and incident limits are capped by Wagmo to keep costs down, but you can still choose your deductible amount. You can also choose a wellness plan to add extra coverage at a price that suits you – value, classic, or deluxe.
State availability for Wagmo
You can take your pet to any licensed veterinarian clinic across the US.
Verdict: Is Wagmo pet insurance good?
Wagmo’s online services are speedy and user-friendly, but it would be nice to see a phone line for customers who prefer to speak to a human. Overall, our reviewers said they were happy with the level of coverage they received with Wagmo and that all claims are covered with 100% co-insurance. It’s also worth noting that premiums may increase as your pet ages and there are fewer deductible options for older pets, so if you’re furry friend is past their puppy years you might want to seek an alternative provider. We also love the variety of wellness plans which cater to every budget.
