wagmo summary
Pros
- Covers routine and emergency care
- 5% multi-pet discount
- App available
Cons
- No phone support
- Covers dogs and cats only
Editorial score
Online experience
Excellent site with mobile optimization, learning resources and live chat
Customizable rates and services
Customizable plans and rates
Claims payout waiting period
Over 2 weeks
Customer support
Evening and weekend communication available through multiple channels
Bundles
Multiple bundles available
What Does it Cover
If you take out an insurance policy, your pet will be covered against the following:
- Emergency vet visits
- Hospital stays
- Cancer treatment
- First 50% on prescription drugs
- Surgeries
- X-Rays
- Prosthetics and orthopedics
- Ultrasounds
- End-of-life care (euthanasia)
- Pet ambulance
- CT scans
- Laboratory tests
- Hereditary and congenital conditions
- Hip dysplasia (pets under 6 years old)
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.
Insurance Plans & Pricing
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.
What is Not Covered
If you take out an insurance plan, you won't be covered against:
- Spaying/neutering
- Prescription food
- Training/obedience class
- Vitamins/supplements
- Dental surgeries
- Breeding, pregnancy, or birth expenses
- Hydrotherapy
- Preventative care
- Boarding
- Biohazard fees
- Cosmetic surgeries (ear cropping, tail docking, declawing)
Like most pet insurance companies, Wagmo won’t cover you for any pre-existing conditions your pet may have.
Waiting Periods
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
Wagmo will cover your pet up to a maximum of $10,000 per incident, up to $20,000 per year, and up to $100,000 during your pet’s lifetime.
You can find more information about the coverage for wellness plans here.
Reimbursement and deductible
When you’re buying your insurance, you can select the amount of the deductible you’ll pay if you need to make a claim, with your options being $250, $500, or $1,000.
To get an indication of the impact the deductible can have on premiums, we ran a series of quotes on a 3-year-old male Abyssinian cat with a New York zip code, varying only the deductible each time. We received the following results:
| Deductible | Monthly premium |
| $250 | $53.15 |
| $500 | $43.32 |
| $1,000 | $29.53 |
We then repeated this process for a 1-year-old female labrador retriever and received the following:
| Deductible | Monthly premium |
| $250 | $75.23 |
| $500 | $61.32 |
| $1,000 | $41.80 |
These quotes were obtained in January 2022 and may be subject to change.
Visit Site
Claims and Service
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 in under 2 weeks 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.
What You Might Like
If you protect your pet through Wagmo, you can cover all their needs through a single company. While most insurers only cover emergency situations, Wagmo’s wellness policies extend to everyday procedures your pet needs to stay healthy.
What Wagmo Could do Better
If you’d prefer to deal with your finances over the phone, Wagmo won’t be ideal for you as it doesn’t offer this type of support. That said, we received excellent support when we emailed Wagmo.
Contact Details and Address
50 W 17th St, Floor 9, New York, 10011
E: support@wagmo.io
Bottom Line
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.
Methodology
This review was compiled through information on Wagmo’s website, emailing its customer service team, and using its online quote tool.
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.
