Is Waggel Pet Insurance Worth It? Our 2025 Review
Our Expert's Opinion on Waggel
Waggel stands out on the UK pet insurance market with its single, highly customizable Lifetime policy covering both cats and dogs, offering annual vet fee limits up to £15,000, adjustable excess, and inclusive dental, complementary, and behavioural care (up to £1,000 each). The absence of basic, time-limited, or capped reimbursement formulas distinguishes Waggel from direct competitors such as ManyPets or Petplan, underlining a strong commitment to lifetime cover with modern digital management. Waggel’s reimbursement rate and annual ceilings are competitive, particularly for pet owners desiring a generous annual cap and simplified process, while the franchise (excess) remains flexible for budget control. Digital claims are handled entirely online, with real-time tracking and direct vet payments possible—a rarity among insurers reliant on paper forms. Waggel is especially well-suited for younger pets, new adoptions, and owners attracted by digital enrolment and the promise of ongoing, broad cover—though owners of senior or pedigree pets also report satisfaction due to claims flexibility and service quality.
The insurer is backed by Red Sands Insurance Company, a recognized Gibraltar/UK-regulated firm, ensuring statutory protection and stability. In 2024, Waggel processes thousands of claims per year, with policy volume and premiums steadily growing (publicly disclosed data not given). The service boasts an impressive 4.6/5 Trustpilot score from 9,660+ reviews, highlighting fast, empathetic claims handling—most settlements reported within days. Overall, Waggel receives high marks for digital experience, claims speed, and customer support, though some users note rising premiums at renewal as a potential drawback.
- ✅Lifetime, annual re-usable cover up to £15,000
- ✅Adjustable annual limit and excess for budget control
- ✅Full digital processes for claims and enrolment
- ✅Assigned UK vet nurse for each policyholder
- ✅Fast, mostly digital claim settlement—often within days
- ✅Comprehensive dental, complementary and behaviour cover included
- ✅Access to free online vet, nutrition, and behaviour consultations
- ❌Premiums increase as pet ages or after claims
- ❌Routine/preventative and advanced care not covered
- ❌No cover for pre-existing conditions or older pet’s illnesses after age 8
- ❌£1,000 cap on dental/complimentary/behaviour therapies
- ❌Third party liability only for dogs, exclusions apply
- ✅Lifetime, annual re-usable cover up to £15,000
- ✅Adjustable annual limit and excess for budget control
- ✅Full digital processes for claims and enrolment
- ✅Assigned UK vet nurse for each policyholder
- ✅Fast, mostly digital claim settlement—often within days
- ✅Comprehensive dental, complementary and behaviour cover included
- ✅Access to free online vet, nutrition, and behaviour consultations
Our Expert's Opinion on Waggel
Score- ✅Lifetime, annual re-usable cover up to £15,000
- ✅Adjustable annual limit and excess for budget control
- ✅Full digital processes for claims and enrolment
- ✅Assigned UK vet nurse for each policyholder
- ✅Fast, mostly digital claim settlement—often within days
- ✅Comprehensive dental, complementary and behaviour cover included
- ✅Access to free online vet, nutrition, and behaviour consultations
- ❌Premiums increase as pet ages or after claims
- ❌Routine/preventative and advanced care not covered
- ❌No cover for pre-existing conditions or older pet’s illnesses after age 8
- ❌£1,000 cap on dental/complimentary/behaviour therapies
- ❌Third party liability only for dogs, exclusions apply
- ✅Lifetime, annual re-usable cover up to £15,000
- ✅Adjustable annual limit and excess for budget control
- ✅Full digital processes for claims and enrolment
- ✅Assigned UK vet nurse for each policyholder
- ✅Fast, mostly digital claim settlement—often within days
- ✅Comprehensive dental, complementary and behaviour cover included
- ✅Access to free online vet, nutrition, and behaviour consultations
- Waggel Guarantees
- Waggel Exclusions
- Waggel rates
- Waggel Assistance
- Customer reviews about Waggel
- How can I contact Waggel?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance experts review the policy terms and pricing of insurance products on the US market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help guide their most important financial decisions.
Waggel Guarantees
Waggel stands out by providing a single, fully adjustable lifetime policy for cats and dogs, offering up to £15,000 annual cover with per-condition yearly sublimits (e.g., £1,000 for dental, behavioral, complementary therapies) and flexible excess/co-payment options to tailor affordability.
This digital-first solution ensures annual renewal of reimbursement limits and typically covers up to 100% of eligible vet bills after the selected excess, with comprehensive coverage for illness, injury, dental care (for both accident and illness), therapy, and overseas emergencies.
Waggel's key advantages include no cap on vet consultations per year, free unlimited video calls with vets/behaviorists/nutritionists, individual claim support via "Customer Champion," and streamlined claims directly payable to any UK-registered vet.
However, routine and preventative care (vaccines, neutering, flea/worming, grooming, dental cleaning, pet food, and prescription diets) as well as advanced experimental treatments, prosthetics, and hereditary or pre-existing conditions are excluded.
Waggel does not offer a choice of formula (lifetime only) or stand-alone "accident-only" options, and cover extends only to pets kept as UK household companions, with some breed and global geographic limitations.
| Guarantee / Feature | Waggel Lifetime Policy |
|---|---|
| Positioning of the plan | Fully adjustable single Lifetime cover |
| Type of coverage | Accident & illness, lifetime, UK/EU |
| Animals covered | Cats and dogs (household pets, not working) |
| Reimbursement rate (%) | Up to 100% of eligible fees after excess |
| Annual reimbursement limit (vet fees) | Up to £15,000, fully adjustable |
| Annual/per-claim excess | Adjustable; typically per condition/year |
| Min/max age for subscription (cats) | Min: 8 weeks, Max: NC |
| Min/max age for subscription (dogs) | Min: 8 weeks, Max: NC |
| Pre-insurance medical questionnaire? | NC (declared health, may request records) |
| Waiting period for illness | 14 days |
| Waiting period for accident | 14 days |
| Lifetime cover if policy renewed? | ✅ |
| Vet consultations (all types) | ✅ All medically necessary, no yearly limit |
| Medications | ✅ Vet-prescribed, illness/injury only |
| Hospitalization | ✅ |
| Ambulance costs | ✅ |
| Surgery, anesthesia | ✅ |
| Scans (MRI, CT), ultrasound | ✅ when medically necessary |
| Laboratory tests | ✅ |
| Radiotherapy | ✅ |
| Dental care | Up to £1,000/year (accident/illness only) |
| Dental scaling/polishing | ✅ if medically necessary, up to limit |
| Preventative package (vaccines, etc.) | ❌ Routine/preventative care excluded |
| Complementary therapies (osteo, acupuncture, etc.) | Up to £1,000/year, vet referral required |
| Prescription diet / therapeutic food | ❌ Not covered |
| Geographic cover (travel) | UK; EU up to 90 days/year |
| Death purchase price reimbursement | Up to £1,000 per scale, age-dependent |
| Cremation/burial | ❌ Not covered |
| Euthanasia | ✅ if medically required |
| Loss/theft/finding costs | Partial purchase refund (max £1,000); no search/advertising refund |
| Pet boarding/guardianship | ❌ Not covered |
| Public liability (dogs only) | Up to £2 million/year (UK only) |
Good to know
- Dental cover is excluded if annual vet check-ups are not documented or pre-existing dental disease is present before sign-up.
- Overseas cover is valid in PETS-listed EU countries for 90 days/year, provided all entry requirements are met.
- Reimbursement for lost/stolen/deceased pets is always capped and decreases with the pet’s age; not payable for illness if the pet is 8 years+.
- Claims for death, theft, or loss are not accepted if they occur within the first 14 days.
- Must use Joii's triage service if selected or pay a £50 penalty per illness/injury (waived for emergencies).
Compare multiple providers to secure the most affordable and complete coverage for your pet's unique needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Waggel Exclusions
Waggel’s Lifetime policy exclusions align with standard pet insurance practice by refusing cover for pre-existing conditions, routine/preventative care, elective and cosmetic treatments, and advanced procedures such as stem cell therapies, gene therapy, prosthetics, or organ transplants. Distinctively, Waggel fully excludes notifiable and zoonotic diseases (such as FIV, rabies, and those under official animal health restrictions), a limitation not uniformly present among competitors.
They also exclude any costs related to breeding, pregnancy, or working animals, and specifically bar animals used for assistance, police, or commercial reasons from ever being eligible. Another notable exclusion is for losses tied to regulatory changes (such as pets newly banned by law), and on the liability side, claims arising from previous dog aggression history, family claims, rented property damage, or business activity are also not accepted.
Additionally, pet death due to illness is not covered at all for animals aged 8 years or older, and all overseas claims are limited to up to 90 days only in specific PETS scheme countries if strict entry rules are followed.
| Exclusions | Details |
|---|---|
| Medical & Treatment Exclusions | - Pre-existing conditions (before policy start or within first 14 days) - Bilateral conditions counted as one (e.g., both eyes or knees) - Routine, elective, preventative or cosmetic care (vaccines, grooming, neutering, flea/worming, dental cleaning) - Advanced treatments (e.g. stem cell therapy, gene therapy, prosthetics, organ transplants, blood donation) - Costs from notifiable, epidemic, pandemic, or zoonotic diseases (e.g. FIV, rabies, Aujesky’s, STDs, restrictions by Defra or WHO) - Pregnancy or breeding costs - Food, bedding, routine pet products, or nutritionist costs - Vet admin/claim fees - Cremation, burial, or casket costs - Prescription food |
| Geographic Exclusions | - Treatment provided outside the UK (except up to 90 days cover in listed EU PETS scheme countries, only for emergencies and if all rules are followed) - No cover for events or liability incidents outside the UK |
| Eligibility Exclusions | - Pets under 8 weeks old - Banned breeds in the UK - Pets used for work, commercial, breeding, showing, assistance, police, or military purposes - Non-household pets |
| Liability Exclusions (dogs only) | - Claims by/against owners, family, household members, employees, pet professionals - Incidents involving a dog with history of aggression - Incidents related to business, work, or commercial use - Damage by bodily functions (e.g. vomiting, urination) - Damage/injury caused by the insured’s own negligence - Claims relating to rented property or injury to other animals |
| Administrative/Legal Exclusions | - Losses arising from changes in law or newly banned breeds - Any loss covered by other insurance (must notify both insurers) - Claims not submitted within 12 months or lacking required documentation |
| Death/Loss/Theft Exclusions | - Any death/loss/theft before or within first 14 days of policy - Death due to illness if pet is 8 years or older - No payout if purchase price proof is lacking (low fixed sum instead) - No cover for financial, behavioral, or early-claim-period causes - Loss/theft linked to pre-existing conditions |
| War & Disaster Exclusions | - Losses due to war, terrorism, riot, civil unrest, nuclear incidents |
- Bilateral conditions counted as one (e.g., both eyes or knees)
- Routine, elective, preventative or cosmetic care (vaccines, grooming, neutering, flea/worming, dental cleaning)
- Advanced treatments (e.g. stem cell therapy, gene therapy, prosthetics, organ transplants, blood donation)
- Costs from notifiable, epidemic, pandemic, or zoonotic diseases (e.g. FIV, rabies, Aujesky’s, STDs, restrictions by Defra or WHO)
- Pregnancy or breeding costs
- Food, bedding, routine pet products, or nutritionist costs
- Vet admin/claim fees
- Cremation, burial, or casket costs
- Prescription food
- No cover for events or liability incidents outside the UK
- Banned breeds in the UK
- Pets used for work, commercial, breeding, showing, assistance, police, or military purposes
- Non-household pets
- Incidents involving a dog with history of aggression
- Incidents related to business, work, or commercial use
- Damage by bodily functions (e.g. vomiting, urination)
- Damage/injury caused by the insured’s own negligence
- Claims relating to rented property or injury to other animals
- Any loss covered by other insurance (must notify both insurers)
- Claims not submitted within 12 months or lacking required documentation
- Death due to illness if pet is 8 years or older
- No payout if purchase price proof is lacking (low fixed sum instead)
- No cover for financial, behavioral, or early-claim-period causes
- Loss/theft linked to pre-existing conditions
Waggel rates
Waggel holds a strong position in the UK market by offering a lifetime-only, fully digital policy, with cover levels and excess adjustable to suit many needs. Its overall limit—up to £15,000 per year—and benefits like dental treatment (£1,000), behavioural and complementary therapy (£1,000), and third-party liability for dogs (£2 million) place it among competitors with comprehensive, mid-to-premium guarantees.
The absence of classic annual/accident-only cheaper formulas and the all-digital direct management (quoting, claims, support) allow Waggel to offer broad coverage with leaner operational costs than traditional players. While its monthly premiums trend above entry-level or basic market offers, they remain competitive for a fully featured lifetime proposition, especially given service innovations (direct vet payments, free telemedicine, member perks).
Waggel is thus best described as holding a median to slightly competitive price position: not the cheapest nor the most expensive, but providing notably strong value for fairly complete cover—especially for owners seeking reassurance and digital convenience.
| Waggel Lifetime | |
|---|---|
| Cat young (2–4 yrs) | £12–£16 / month |
| Cat senior (7–8 yrs) | £18–£24 / month |
| Small dog (2–4 yrs) | £19–£27 / month |
| Large dog (2–4 yrs) | £32–£44 / month |
| Dog senior (7–8 yrs) | £51–£67 / month |
To find the best price for your needs, always compare Waggel’s quotation with multiple providers, as offers shift significantly by pet, age, and chosen options.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Waggel promo codes
| Waggel Promo Codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
How much will I be reimbursed with Waggel?
When your pet needs care, Waggel reimburses you for eligible vet costs after you've paid your chosen excess (deductible). With the highest Lifetime Policy (up to £15,000/year, £100 excess), you can claim for accidents, illness, surgeries, dental, and more—helping dramatically reduce your out-of-pocket expenses compared to being uninsured. Here are typical reimbursement scenarios:
Example 1: Emergency Treatment for a Broken Leg
Total vet fees: £2,000 (X-rays, surgery, medication, follow-up visits)
Excess (deductible) for the condition: £100 (only paid once per condition, per policy year)
Amount eligible for reimbursement: £2,000 – £100 = £1,900
Your reimbursement: £1,900
👉 You receive £1,900 from Waggel, and only pay £100 out of pocket.
With Waggel’s Lifetime Policy, you only pay your chosen excess once per condition each year, and all treatments for that injury are covered up to your annual limit (£15,000 in this example).
Example 2: Dental Illness - Tooth Extraction for Gum Disease
Total vet fees: £750 (dental X-rays, extraction, anaesthesia, medications)
Annual dental cover limit: £1,000 (well within your plan)
Excess (already paid earlier in the year for a previous illness): £0
Amount eligible for reimbursement: £750 × 100% = £750
Your reimbursement: £750
👉 You receive £750 from Waggel, and pay nothing further.
Dental illness is covered provided your pet had a recent dental checkup and no pre-existing dental disease. Your £1,000 annual dental limit resets each policy year.
Example 3: Behavioural Therapy After Anxiety Diagnosis
Total behavioural specialist fees: £600 (consultation, certified behaviourist program, prescribed pheromone products)
Behavioural cover annual limit: £1,000
Excess (not yet paid on behavioural treatment this policy year): £100
Amount eligible for reimbursement: £600 – £100 = £500
Your reimbursement: £500
👉 You receive £500 from Waggel, and pay £100 out of pocket.
Behavioural treatment is included up to £1,000/year when prescribed by a vet-qualified behaviourist. As always, excess applies just once per condition per policy year.
With Waggel’s Lifetime Policy, you benefit from generous annual limits and only pay a small fixed excess per condition, making unexpected vet bills far more manageable.
Waggel Assistance
Waggel offers a robust digital claims system with a user-centric approach, assigning each member a dedicated UK-based vet nurse for assistance, which enhances guidance during stressful events and ensures quick resolutions.
The unlimited free video consultations with vets (Joii), behaviourists, and nutritionists are valuable features, enabling US pet owners to benefit from reliable guidance without additional costs and reducing unnecessary ER visits.
However, Waggel does not propose traditional "advance of fees" solutions like CareCredit or Petcard, so clients must pay the vet upfront unless the practice agrees to direct settlement with Waggel.
There is no structured nationwide partner veterinary network—policyholders can consult any UK-registered veterinarian but lack access to negotiated rates or direct clinics, potentially impacting speed in emergencies.
Support for treatments abroad is limited both geographically (EU only, up to 90 days/year) and administratively, which may not suit US-based clients needing international flexibility.
| Assistance Waggel | Available ? | Details |
|---|---|---|
| Advance of fees | ❌ | Waggel does not offer traditional "pay at clinic" services like CareCredit or Petcard. |
| Pet owners usually pay the vet and claim for reimbursement. Direct payment to vet is possible if the practice agrees, but not guaranteed. | ||
| Payment facilities | ❌ | No mention of partial or 3-instalment payments for insurance premiums or claims. |
| Mobile Application | ✅ | Waggel offers an online client portal (mobile-accessible website), supporting digital claims and claim tracking. |
| No dedicated iOS/Android app. Interface is praised for simplicity and speed by customers. | ||
| Digital claims management | ✅ | All claims are managed digitally via the Waggel client portal. |
| Upload invoices, add vet notes, real-time status updates; high-rated for clarity and user experience. | ||
| Veterinary emergency/telehealth | ✅ | Unlimited free 24/7 video vet consultations through Joii. |
| No on-site or physical emergency clinic network; emergencies handled by any UK-registered vet. | ||
| Clinic and vet network | ❌ | No exclusive partner vet network; consult any UK-registered vet. |
| No preferred rate or partner clinics; direct settlement depends on the practice’s own process. | ||
| International coverage | ❌ | Emergency cover applies only for travel in EU countries (PETS scheme), up to 90 days/year. |
| No coverage in the US, and not suitable for long-term stays abroad. |
Customer reviews about Waggel
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.6 / 5 (9,660 reviews) |
We have analyzed the reviews from the site listed above. In terms of positive aspects, policyholders who have taken out a Waggel contract for their pet frequently mention:
- Empathetic and supportive customer service: the communication is described as compassionate, with particular appreciation for personalized gestures such as handwritten condolence cards after pet loss.
- Extremely fast and hassle-free claims process: many customers report quick settlements, often within days, and highlight the ease of submitting and tracking claims online.
- Transparent policy wording and clear documentation: pricing and contract details are found to be straightforward, without hidden surprises, making it easy for customers to understand exactly what is covered.
- Valued for money and flexible pricing: numerous reviewers cite competitive premiums, flexible policy adjustments, and the freedom to tailor coverage and excess to individual needs.
- Digital-first and user-friendly experience: the website and claim process are praised for their simplicity and efficiency, and the option to use any UK-registered vet is welcomed.
- Personalised support and continuity of care: the assignment of a dedicated, UK-based vet nurse (Customer Champion) to help with claims provides a sense of continuity and rapport for clients.
- Free access to video calls with vets and additional wellbeing services: the inclusion of unlimited online consultations with vets, behaviourists, and nutritionists is highly valued.
On the negative side:
- The frequency and magnitude of annual premium increases: some long-term customers express frustration with rising renewal prices, sometimes prompting them to consider discontinuing cover despite satisfaction with the service.
- Lack of coverage for certain routine, preventive, or advanced treatments: a few reviewers note disappointment regarding exclusions such as pre-existing conditions, routine or dental cleaning, and specific advanced treatments.
- Cap on dental, behavioural, or complementary treatment reimbursement: certain clients mention that the sub-limits (e.g. £1,000 limit) may be restrictive in the case of complex or ongoing conditions.
- 14-day initial waiting period: some pet owners report frustration that no claims are accepted for illnesses or some incidents during the early days of the policy.
How can I contact Waggel?
| Waggel customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your request online via your Waggel account (https://my.waggel.co.uk), by email at [email protected], or by mail at 1st Floor, 5 St Helen's Pl, London, EC3A 6AB. Attach: detailed veterinarian invoice, all payment receipts, and any necessary prescriptions/care lists or reports. Processing time: reimbursement is usually made within a few days to a week after receiving the complete documents. Payment is made by bank transfer. The status of your file can be tracked in real time via your customer area. |
| To obtain an insurance certificate | Request it from your Waggel customer account or contact customer service by email at [email protected] or by phone at 01299 669955. The certificate can be sent to you by email or viewed online in your account. |
| To contact assistance | Contact customer service: - Phone: 01299 669955 - Email: [email protected] - Postal address: 1st Floor, 5 St Helen's Pl, London, EC3A 6AB If you need 24/7 veterinary advice, take advantage of free teleconsultations with partner vets via your Waggel member area. |
| To cancel my contract | Cancel at any time from your Waggel customer account or by contacting customer service at [email protected] or 01299 669955, or by mail at the postal address (1st Floor, 5 St Helen's Pl, London, EC3A 6AB). Documents required: depending on the case, written confirmation and supporting documentation in case of change of situation. Timeframe: immediate or within 14 days of subscription (right of withdrawal, full refund if no claim has been made). No notice required outside the stated conditions. |
Attach: detailed veterinarian invoice, all payment receipts, and any necessary prescriptions/care lists or reports.
Processing time: reimbursement is usually made within a few days to a week after receiving the complete documents.
Payment is made by bank transfer.
The status of your file can be tracked in real time via your customer area.
The certificate can be sent to you by email or viewed online in your account.
- Phone: 01299 669955
- Email: [email protected]
- Postal address: 1st Floor, 5 St Helen's Pl, London, EC3A 6AB
If you need 24/7 veterinary advice, take advantage of free teleconsultations with partner vets via your Waggel member area.
Documents required: depending on the case, written confirmation and supporting documentation in case of change of situation.
Timeframe: immediate or within 14 days of subscription (right of withdrawal, full refund if no claim has been made).
No notice required outside the stated conditions.
FAQ
Do I have to pay vet bills upfront with Waggel?
Waggel offers digital claims that can be made at any UK-registered vet. In many cases, Waggel can pay your vet directly if the vet agrees, so you may not need to pay the full bill yourself. However, if the vet prefers to be paid by you, you can submit your claim online and get reimbursed quickly. There is no universal “payvet” system; direct payment depends on your chosen vet’s agreement.
How do I cancel my Waggel pet insurance policy?
You can cancel your Waggel pet insurance anytime through your online account or by contacting Waggel by email or phone. There is no formal notice period required, but for a full refund you must cancel within 14 days of starting the policy and have made no claim. No special documents are needed—just your account or policy details.
Which pets and owners are eligible for Waggel insurance?
Waggel covers cats and dogs owned by UK residents, as long as the pet is at least 8 weeks old and kept as a household companion. It doesn’t cover working, breeding, assistance, banned breeds, or pets intended for commercial use. Cover is not available to US residents, even though the FAQs may assist US-based owners researching options.
What does Waggel’s lifetime cover include and exclude?
The policy covers veterinary treatment for illness or injury, dental care, complementary and behavioral treatments, third-party liability (dogs), and partial refund of purchase price for loss or death. It excludes routine or preventative care, costs from pre-existing conditions, advanced treatments (like prosthetics), prescription food, burial, and conditions arising within 14 days of starting the policy.
Will my Waggel premium increase every year?
Waggel adjusts premiums at renewal based on your pet’s age, claims history, vet cost inflation, and other factors. While prices may rise as your pet gets older or if you’ve claimed, Waggel aims to cap increases to keep them manageable. You’ll receive at least 30 days’ notice before any changes take effect.
Do I have to pay vet bills upfront with Waggel?
Waggel offers digital claims that can be made at any UK-registered vet. In many cases, Waggel can pay your vet directly if the vet agrees, so you may not need to pay the full bill yourself. However, if the vet prefers to be paid by you, you can submit your claim online and get reimbursed quickly. There is no universal “payvet” system; direct payment depends on your chosen vet’s agreement.
How do I cancel my Waggel pet insurance policy?
You can cancel your Waggel pet insurance anytime through your online account or by contacting Waggel by email or phone. There is no formal notice period required, but for a full refund you must cancel within 14 days of starting the policy and have made no claim. No special documents are needed—just your account or policy details.
Which pets and owners are eligible for Waggel insurance?
Waggel covers cats and dogs owned by UK residents, as long as the pet is at least 8 weeks old and kept as a household companion. It doesn’t cover working, breeding, assistance, banned breeds, or pets intended for commercial use. Cover is not available to US residents, even though the FAQs may assist US-based owners researching options.
What does Waggel’s lifetime cover include and exclude?
The policy covers veterinary treatment for illness or injury, dental care, complementary and behavioral treatments, third-party liability (dogs), and partial refund of purchase price for loss or death. It excludes routine or preventative care, costs from pre-existing conditions, advanced treatments (like prosthetics), prescription food, burial, and conditions arising within 14 days of starting the policy.
Will my Waggel premium increase every year?
Waggel adjusts premiums at renewal based on your pet’s age, claims history, vet cost inflation, and other factors. While prices may rise as your pet gets older or if you’ve claimed, Waggel aims to cap increases to keep them manageable. You’ll receive at least 30 days’ notice before any changes take effect.
