Wagmo Pet Insurance coverage Evaluate 2022: Professionals, Cons, & Verdict

wagmo review

On this Evaluate: Our Evaluate | Pricing & Plans | Protection | Deductibles & Claims | FAQ | Conclusion

Wagmo is a female-founded firm with a feminine CEO that’s been in enterprise since 2017. In contrast to most pet insurance coverage firms, Wagmo’s authentic focus was on providing standalone pet wellness insurance coverage to assist cowl the prices of routine care. They now present conventional accident-and-illness protection as properly.

Whereas most pet insurance coverage firms which have wellness plans achieve this as an add-on to a typical coverage, Wagmo provides you the choice of shopping for solely preventative care protection. This distinction units them other than different pet insurance coverage firms and can enchantment to house owners of wholesome pets searching for some assist with routine vet payments.

Our Closing Verdict

We give Wagmo Pet Insurance coverage a score of 4.1 out of 5 stars.

Wagmo Pet Insurance coverage Evaluate

  • Affords standalone wellness plans

  • Quick and straightforward claims course of

  • As much as 100% reimbursement after deductible

  • Three wellness plans

  • Beneficiant preventative protection
  • Newer firm
  • Pet insurance coverage will not be accessible in all states
  • Insurance coverage not very customizable
  • Extra exclusions than another plans
  • Just one possibility for per incident and lifelong protection caps

Different High-Rated Pet Insurance coverage Firms

About Wagmo Pet Insurance coverage

Wagmo Pet Insurance coverage affords one conventional accident-and-illness coverage. Three annual deductible choices can be found: $250, $500, and $1,000. When you meet the deductible, Wagmo reimburses as much as 100% of lined companies.

Wagmo caps lifetime protection at $100,000, with no different choices accessible. Per-incident caps are restricted to $10,000. Wagmo states that they selected these numbers to maintain premium prices low whereas nonetheless offering sufficient protection based mostly on their calculations of the common lifetime and per-incident value of care.

The corporate affords three Wellness Plan selections: Worth, Basic, and Deluxe. For a month-to-month price, these plans present reimbursements on preventative care as much as a specific amount yearly ($350, $650, $1,100), relying on which possibility you decide. The concept is that you simply’re going to pay in your pet’s yearly examination, pictures, and fecal checks anyway; why not get some a refund once you do?

As a result of wellness plans will be bought independently of the usual insurance coverage plan, Wagmo affords essentially the most enchantment for many who like the concept of a preventative care coverage however don’t need to spend the cash on accident protection.

Pricing & Plans (Up to date in 2022)

Pet Insurance coverage Value Comparability

Base Coverage

Wagmo’s base coverage for cats and canine has a $500 annual deductible, with a 90% reimbursement after the deductible and a $20,000 annual restrict. As beforehand talked about, there’s a $10,000 per incident cap and a $100,000 lifetime cap.

The usual coverage covers accidents and sicknesses, end-of-life care, most cancers, surgical procedures, and prescription drugs. Wellness care just isn’t included on this coverage, and exclusions apply. Wagmo doesn’t provide an accident-only coverage like different pet insurance coverage firms.

You’ll be able to pay the complete annual premium at checkout or be billed month-to-month. There’s additionally a one-time enrollment price. You will need to comply with maintain your plan for no less than 12 months at checkout. Wagmo says that is one other tactic to maintain prices decrease.

There’s just one kind of accident-and-illness plan accessible from Wagmo. The Wellness plans are available in three tiers, which supply progressively extra protection the costlier they’re. For instance, the Worth plan covers an examination, two pictures, one fecal test, and one routine blood work yearly. The Deluxe plan covers double the exams and pictures, plus a urine test, dental care, grooming, and flea and tick prevention.


 Wagmo supplies little in the best way of customization when in comparison with different plans. Annual, lifetime, and per-incident limits are the identical for everybody. You’ll be able to select between three deductibles and two reimbursement choices, 90% or 100%.


 Wagmo has a multi-pet low cost when you enroll multiple fur child at a time. If you happen to determine to not enroll in Wellness care once you purchase the insurance coverage coverage, you are able to do so later.

Wagmo Value Comparability for Canines

Husky Beagle
Male or Feminine Male Feminine
Age 4 4
Location North Carolina North Carolina
Reimbursement Stage 90% 90%
Annual Deductible $500 $500
Annual Max $20,000 $20,000
Value monthly $56.07 $49.95
Breed Title Underneath 1 5 Years Previous
Husky $36.66/month $58.44/month
Beagle $34.69/month $55.23/month
Nice Dane $43.51/month $87.03/month

Deductibles & Claims

Deductibles reset annually. As soon as your annual deductible is met, Wagmo will cowl 90–100% of the remaining invoice, relying in your choice. They’re one of many solely firms that supply 100% reimbursement.

Wagmo means that you can see any vet that you simply select for care. As with practically each pet insurance coverage firm, you’ll have to pay the invoice first after which submit a declare for reimbursement. Wagmo has a digital app that helps streamline this course of.

To begin your declare, add an image of your vet invoice. Wagmo states that they course of and pay Wellness claims inside 24 hours. Pet insurance coverage claims can take as much as 15 days for processing and funds.

Wagmo has a number of choices so that you can obtain your reimbursement, together with a paper test, PayPal, Venmo, or financial institution switch.

What Does Wagmo Cowl?

Earlier, we mentioned a few of the fundamental care lined beneath a typical Wagmo insurance coverage coverage. As a result of there are three Wellness plans, you’ll discover some variation in protection. This chart provides you an thought of what’s lined beneath a Basic Wellness plan, the middle-tier possibility, which is able to reimburse as much as $650 of lined bills yearly.

Protection Merchandise Annual Restrict
Wellness Examination 1 per 12 months
Vaccines 3 per 12 months
Fecal Check 1 per 12 months
Routine Blood Work 1 per 12 months
Urinalysis 1 per 12 months
Flea/Tick/Heartworm Prevention $100 per 12 months
Grooming $100 per 12 months

Listed below are some particular procedures and circumstances lined and never lined beneath the usual Wagmo accident-and-illness coverage.


  • Hereditary and congenital circumstances

  • 50% of prescription drugs

  • Ultrasounds

  • Pet ambulance

  • CT Scan

Not Lined

  • Prescription meals
  • Hip dysplasia in canine older than 6
  • Greater than two international physique removals in a single 12 months
  • Nutritional vitamins or dietary supplements
  • Holistic or different care
  • Breeding or being pregnant care
  • Spay/neuter surgical procedure

Pre-Present Situations

Like all pet insurance coverage insurance policies, Wagmo doesn’t cowl pre-existing circumstances. The corporate defines them as any medical situation that occurred or confirmed signs earlier than the pet was enrolled within the coverage or through the ready interval.

In addition they received’t cowl points associated to spinal disk illness if earlier therapies or medical indicators had been famous earlier than enrollment. Wagmo doesn’t cowl a brand new knee damage on one aspect if there was an earlier, untreated drawback with the opposite leg.

Ready Intervals

For Wellness plans, there’s no ready interval. You’ll be able to start utilizing the service as quickly as you’re enrolled. Nonetheless, you possibly can’t submit a invoice earlier than you register for reimbursement.

Insurance coverage have a 15-day ready interval for accident-and-illness protection. There’s a 30-day ready interval for most cancers protection and 6 months for knee surgical procedures. After profitable knee damage therapy, there’s a 6-month ready interval for added knee issues.

Critiques from Clients

As a more recent pet insurance coverage firm, Wagmo doesn’t have as many consumer evaluations as extra established firms. Actually, that lack of expertise is one knock in opposition to the corporate total.

Probably the most constructive feedback from customers had been about Wagmo’s customer support and quick declare processing for Wellness claims. Customers report that the corporate is responsive and usually simple to speak with. A couple of individuals claimed to have the other expertise, nevertheless.

Wellness plan customers appear overwhelmingly happy with the product. A number of reported that it paid for itself in a short time concerning reimbursements for care they had been paying for anyway. Most experiences appear to help the corporate’s declare to pay Wellness claims inside 24 hours.

Some customers wished that the insurance coverage declare and reimbursement course of moved quicker. Others weren’t pleased about their claims being denied, a criticism you’ll discover about practically each pet insurance coverage firm, to be sincere.


The place Is Wagmo Accessible?

The corporate’s web site states that Wagmo Wellness plans can be found in each state however doesn’t point out Washington D.C. or the U.S. territories. Different evaluations we discovered acknowledged that Wagmo was not accessible in all states, so we propose attempting for a quote along with your tackle to verify.

How Do You Contact Wagmo Buyer Service?

Wagmo incorporates a chat field on the web site and within the app that’s accessible 24/7. It’s also possible to contact them through e mail at any time. In addition they present a buyer help telephone quantity, however telephone help is just accessible between 10 am-5 pm EST, Monday-Friday.

Why Does Wagmo Cap Lifetime and Incident Protection?

In line with the web site, Wagmo solely supplies one possibility for the 2 caps in an effort to maintain prices low. They declare that they did the mathematics and located that limitless lifetime caps had been too costly relative to the probabilities of a pet needing that a lot protection. In comparison with many different insurance policies, $100,000 is definitely a reasonably excessive lifetime cap.

A number of different pet insurance coverage firms, similar to Trupanion, haven’t any per-incident caps on protection. Whereas $10,000 looks as if quite a bit, it’s nonetheless a low cap that might be an issue in case your pet suffers a catastrophic incident.

Our Verdict

Wagmo’s promoting level is its standalone Wellness plans. Pet house owners who’re primarily centered on shopping for a Wellness plan will discover quite a bit to love right here. Then again, Wagmo’s pet insurance coverage just isn’t essentially the most complete possibility. We don’t just like the per-incident cap or the dearth of customization, though the reimbursement choices are glorious.

Wagmo additionally has some uncommon exclusions, notably for hip dysplasia therapy and different therapies, that you simply received’t discover in different insurance policies. Since Wagmo Wellness plans will be bought individually, one possibility is to match one among them with an accident-and-illness coverage from one other firm with complete protection.

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