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Wagmo Pet Insurance coverage Overview 2022: Execs, Cons, & Verdict


    wagmo review

    On this Overview: Our Overview | 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 nicely.

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

    Our Remaining Verdict

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

    Wagmo Pet Insurance coverage Overview

    • Gives 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 policy not very customizable
    • Extra exclusions than another plans
    • Just one choice for per incident and lifelong protection caps

    Different High-Rated Pet Insurance coverage Firms

    About Wagmo Pet Insurance coverage

    Wagmo Pet Insurance coverage presents 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 coated providers.

    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 primarily based on their calculations of the common lifetime and per-incident price of care.

    The corporate presents three Wellness Plan selections: Worth, Traditional, and Deluxe. For a month-to-month payment, these plans present reimbursements on preventative care as much as a specific amount yearly ($350, $650, $1,100), relying on which choice you decide. The concept is that you just’re going to pay on your pet’s yearly examination, photographs, and fecal checks anyway; why not get some a reimbursement while you do?

    As a result of wellness plans might be bought independently of the usual insurance coverage plan, Wagmo presents probably the most attraction for individuals 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 canines 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 medicines. Wellness care is just not included on this coverage, and exclusions apply. Wagmo doesn’t provide an accident-only coverage like different pet insurance coverage firms.

    You may pay the complete annual premium at checkout or be billed month-to-month. There’s additionally a one-time enrollment payment. It’s essential to comply with hold your plan for at the very least 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 three tiers, which supply progressively extra protection the costlier they’re. For instance, the Worth plan covers an examination, two photographs, one fecal examine, and one routine blood work yearly. The Deluxe plan covers double the exams and photographs, plus a urine examine, dental care, grooming, and flea and tick prevention.


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

    Package deal

     Wagmo has a multi-pet low cost in case you enroll multiple fur child at a time. For those who determine to not enroll in Wellness care while you purchase the insurance coverage coverage, you are able to do so later.

    Wagmo Value Comparability for Canine

    Husky Beagle
    Male or Feminine Male Feminine
    Age 4 4
    Location North Carolina North Carolina
    Reimbursement Degree 90% 90%
    Annual Deductible $500 $500
    Annual Max $20,000 $20,000
    Value per thirty days $56.07 $49.95
    Breed Title Beneath 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 provide 100% reimbursement.

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

    To start out 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 examine, PayPal, Venmo, or financial institution switch.

    What Does Wagmo Cowl?

    Earlier, we mentioned a number of the primary care coated below an ordinary 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 coated below a Traditional Wellness plan, the middle-tier choice, which is able to reimburse as much as $650 of coated bills yearly.

    Protection Merchandise Annual Restrict
    Wellness Examination 1 per yr
    Vaccines 3 per yr
    Fecal Take a look at 1 per yr
    Routine Blood Work 1 per yr
    Urinalysis 1 per yr
    Flea/Tick/Heartworm Prevention $100 per yr
    Grooming $100 per yr

    Listed below are some particular procedures and situations coated and never coated below the usual Wagmo accident-and-illness coverage.


    • Hereditary and congenital situations

    • 50% of prescription medicines

    • Ultrasounds

    • Pet ambulance

    • CT Scan

    Not Coated

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

    Pre-Current Circumstances

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

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

    Ready Intervals

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

    Insurance policy 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 remedy, there’s a 6-month ready interval for extra knee issues.

    Evaluations from Prospects

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

    Probably the most optimistic 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 customarily simple to speak with. A number of folks claimed to have the alternative expertise, nevertheless.

    Wellness plan customers appear overwhelmingly happy with the product. A number of reported that it paid for itself in a short time relating to 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 sooner. 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 making an attempt for a quote together with your deal with to verify.

    How Do You Contact Wagmo Buyer Service?

    Wagmo contains a chat field on the web site and within the app that’s accessible 24/7. It’s also possible to contact them by way of e-mail at any time. Additionally they present a buyer help cellphone quantity, however cellphone help is barely accessible between 10 am-5 pm EST, Monday-Friday.

    Why Does Wagmo Cap Lifetime and Incident Protection?

    Based on the web site, Wagmo solely supplies one choice 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 possibilities of a pet needing that a lot protection. In comparison with many different insurance policies, $100,000 is definitely a fairly excessive lifetime cap.

    A number of different pet insurance coverage firms, comparable to Trupanion, don’t have any per-incident caps on protection. Whereas $10,000 looks like loads, 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 homeowners who’re primarily targeted on shopping for a Wellness plan will discover loads to love right here. Alternatively, Wagmo’s pet insurance coverage is just not probably the most complete choice. We don’t just like the per-incident cap or the dearth of customization, though the reimbursement choices are wonderful.

    Wagmo additionally has some uncommon exclusions, significantly for hip dysplasia remedy and various therapies, that you just received’t discover in different insurance policies. Since Wagmo Wellness plans might be bought individually, one choice is to match one in every of them with an accident-and-illness coverage from one other firm with complete protection.