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Wagmo Review
Reviews 7
If you take out an insurance policy, your pet will be covered against the following:
You can also get a wellness plan that will cover your pet for treatments such as routine exams, vaccinations, routine blood work, and fecal tests. The exact level of your coverage will depend on the plan you choose.
The amount of your premium will depend on factors such as your zip code and your pet’s sex, age, and breed.
When we entered the details of a 2-year-old female mixed-breed dog with a New York zip code, we received a quote of $36.76 per month. This price assumed a $1,000 deductible, a reimbursement rate of 90%, and a coverage limit of $20,000.
We then ran a quote on a 1-year-old male alley cat and received a quote of $24.88 per month. This quote also assumed a $1,000 deductible, a reimbursement rate of 90%, and a $20,000 coverage limit.
Note, you can receive a discount of 5% if you insure more than one pet with the company.
These quotes were obtained in January 2022 and may be subject to change.
You can find more information on the pricing of wellness plans here.
If you take out an insurance plan, you won't be covered against:
Like most pet insurance companies, Wagmo won’t cover you for any pre-existing conditions your pet may have.
If you take out an insurance plan, you’ll normally need to wait at least 15 days before filing a claim related to an injury or illness, although this period will be 30 days if the claim relates to cancer treatment.
Coverage limits as of August 2025: $10,000 per incident, $20,000 per year, and $100,000 per lifetime.
You can find more information about the coverage for wellness plans here.
The cost of Wagmo pet insurance depends on your pet’s age, breed, location, deductible, and reimbursement preferences. You can select a deductible of $250, $500, or $1,000, and choose reimbursement rates of 80%, 90%, or 100%. Premiums increase as your pet ages, and older pets generally cost more to insure.
According to the latest data (updated July 2025), the average monthly premium for Wagmo’s accident and illness insurance is:
These averages were calculated using more than 400 quotes for mixed-breed and purebred cats and dogs, ranging in age from 3 months to 8 years old, with a $5,000 annual coverage limit.
Wagmo also offers a 5% multi-pet discount when you insure more than one animal under the same policy.
Data updated as of July 2025. Actual costs may vary based on breed, age, and location. For the most accurate and personalized quotes, use Wagmo’s online tool.
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Wagmo offers three standalone wellness plans that can be purchased separately or alongside an insurance policy. These plans help cover the cost of routine and preventative care.
| Plan | Monthly Cost | Annual Benefit | Key Coverage |
|---|---|---|---|
| Value Wellness Plan | $25 | $350 | 1 routine exam, 2 vaccines, routine blood work, 1 fecal test |
| Classic Wellness Plan | $45 | $770 | 1 exam, 3 vaccines, routine blood work, fecal test, 1 urinalysis, grooming, flea/tick prevention |
| Deluxe Wellness Plan | $65 | $1,100 | 2 exams, 4 vaccines, routine blood work, fecal test, urinalysis, grooming, flea/tick prevention, dental prophylaxis |
These plans give pet parents flexibility to choose the level of preventative care coverage that best fits their pet’s needs.
If you need to take your pet to the vet, you can visit any licensed practitioner. You’ll then need to take a photo of your itemized invoice and submit it via your online account or app.
After your claim has been approved, you’ll receive your funds within as little as 24 hours for wellness claims and typically within 3–5 business days for insurance claims. With insurance claims, you can choose to be reimbursed via bank transfer, instant card payment, or check. In the case of wellness claims, you can receive your funds through Venmo, PayPal, or bank transfer.
You can contact Wagmo through email, live chat, via its online query form, or through its 24/7 chatbot. Customer support hours are Monday to Friday, 9am-6pm (EST), and Saturday and Sunday, 11am-7pm.
Overall, we were impressed by the site’s user-friendly language and the clarity with which it explains potentially confusing terminology.
Wagmo is one of the few providers that offers wellness-only plans, in addition to traditional insurance. Reimbursement via Venmo, PayPal, and instant card transfer makes it especially convenient for tech-savvy pet parents.
Wagmo has recently added phone support (1-855-836-8785), which improves its customer service accessibility. However, coverage for behavioral treatments and alternative therapies remains limited, which may be a drawback for some pet owners.
Wagmo’s insurance policies are underwritten by Crum & Forster Pet Insurance Group, a well-established company known for its financial stability and regulatory compliance.
Phone: 1-855-836-8785 (Mon–Fri 9am–6pm EST, Sat–Sun 11am–7pm EST)
Email: support@wagmo.io
Live Chat: Available through the Wagmo website and app
24/7 Chatbot: Automated assistance anytime
If you’re looking for a solution to cover both your pet’s routine and emergency health needs, Wagmo could be an attractive option. We were also impressed by its simple, transparent claims process and offer of a 5% multi-pet discount. Although it doesn’t offer phone support, this may not be a dealbreaker as it delivers excellent customer service over email.
This review was compiled through information on Wagmo’s website, emailing its customer service team, and using its online quote tool.
