Wagmo Pet Insurance 2025: Complete Review, Coverage, Pros & Cons
Our expert's opinion on Wagmo
Wagmo offers an accident and illness-only pet insurance policy, focusing on reimbursing actual veterinary fees for medically necessary treatments, with annual and per-incident benefit limits, copayments, and deductibles that are individually set and shown on the policy’s Declarations Page.Its plans are streamlined for simplicity, but the absence of customizable wellness riders and routine care within its insurance product limits flexibility; compared to top competitors, Wagmo’s pricing can be competitive yet is offset by tighter exclusions and a history of stricter renewals after claims.Wagmo is best suited for younger, healthy pets and owners seeking a straightforward digital sign-up and claims process, but not for those seeking high reimbursement rates, comprehensive coverage, or wellness care within one plan.The company is administered by Boost Insurance and underwritten by National Specialty Insurance Company, both solidly established entities; however, Wagmo itself is small, without disclosed revenue or premium volume, and its Trustpilot rating is just 2.6/5 from 6 reviews, reflecting concerns about claim denials, slow reimbursement (reports range from same-day to several months), and post-claim non-renewals.
- ✅Simple, digital-first claims and enrollment process
- ✅Covers broad medical diagnostics and emergency surgery
- ✅Freedom to choose your veterinarian
- ✅Routine care (Wagmo Wellness) available as a separate plan
- ✅Administered by credible insurance partners
- ✅Transparent listed exclusions and conditions
- ❌Low Trustpilot rating (2.6/5, 6 reviews), negative customer trends
- ❌No wellness or preventive care within insurance policy
- ❌No coverage for cancer treatment or alternative therapies
- ❌Strict pre-existing and hereditary condition exclusions
- ❌Renewal denial risk after significant claims
Score- ✅Simple, digital-first claims and enrollment process
- ✅Covers broad medical diagnostics and emergency surgery
- ✅Freedom to choose your veterinarian
- ✅Routine care (Wagmo Wellness) available as a separate plan
- ✅Administered by credible insurance partners
- ✅Transparent listed exclusions and conditions
Our expert's opinion on Wagmo
- ✅Simple, digital-first claims and enrollment process
- ✅Covers broad medical diagnostics and emergency surgery
- ✅Freedom to choose your veterinarian
- ✅Routine care (Wagmo Wellness) available as a separate plan
- ✅Administered by credible insurance partners
- ✅Transparent listed exclusions and conditions
- ❌Low Trustpilot rating (2.6/5, 6 reviews), negative customer trends
- ❌No wellness or preventive care within insurance policy
- ❌No coverage for cancer treatment or alternative therapies
- ❌Strict pre-existing and hereditary condition exclusions
- ❌Renewal denial risk after significant claims
Score- ✅Simple, digital-first claims and enrollment process
- ✅Covers broad medical diagnostics and emergency surgery
- ✅Freedom to choose your veterinarian
- ✅Routine care (Wagmo Wellness) available as a separate plan
- ✅Administered by credible insurance partners
- ✅Transparent listed exclusions and conditions
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert thoroughly reviews the terms and pricing of insurance policies available in the market each year to bring you reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of people across the United States trust us every month to help guide their most important financial decisions.
Wagmo Guarantees
Wagmo offers two distinct products: a wellness plan for routine care and a pet insurance policy focused on reimbursing unexpected accident and illness veterinary expenses, allowing pet owners to select one or both for a customized experience.
The insurance plan provides broad accident/illness coverage, including surgeries, diagnostics, hospitalization, and exam fees, but does not reimburse for preventive care, cancer, hereditary or congenital conditions, or alternative therapies.
Wagmo stands out for its separation of wellness and insurance, speedy claims turnaround (based on reviews), and flexibility to match different care needs.
Key weaknesses include frequent exclusions for pre-existing conditions, lack of coverage for cancer and hereditary issues, and reports of non-renewal after substantial claims or health events.
| Name of coverage | Wagmo Wellness Plan | Wagmo Accident & Illness Insurance |
|---|---|---|
| Plan positioning | Standalone wellness reimbursements | Standalone major medical coverage |
| Type of coverage (accident, illness, both, etc.) | Routine care only | Accidents and illnesses |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | N.C. | N.C. |
| Annual reimbursement limit | N.C. | As per Declarations Page |
| Deductible (annual or per claim) | N.C. | As per Declarations Page |
| Age limits for enrollment (for dogs and cats) | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. |
| Waiting period (illness) | N.C. | As per policy documents |
| Waiting period (accident) | N.C. | As per policy documents |
| Lifetime coverage once subscribed | N.C. | N.C. |
| Vet consultations (regular + emergency) | ✅ | ✅ |
| Medications | N.C. | ✅ (prescribed, not preventive) |
| Hospitalization | N.C. | ✅ |
| Surgery (including anesthesia) | N.C. | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | N.C. | ✅ |
| Dental care (includes scaling and procedures) | N.C. | Orthodontics only if due to covered illness/accident |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ✅ | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | N.C. | ❌ |
| Travel coverage (countries included, duration) | N.C. | United States only |
| Civil liability | ❌ | ❌ |
| Euthanasia | N.C. | N.C. |
| Death & cremation coverage | N.C. | ❌ |
| Theft or loss of pet + search expenses | N.C. | ❌ |
| Boarding fees (if owner is hospitalized) | N.C. | ❌ |
Wagmo Wellness Plan and Pet Insurance
The Wagmo wellness plan can be combined with most pet insurance policies (including those from other companies) to cover both preventive care and major medical needs. Be sure to review your Declarations Page for copay, deductible, and any waiting period details unique to your pet’s plan.
Compare several pet insurance and wellness combinations to identify the lowest cost and best match for your pet’s care needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Wagmo Exclusions
The list of exclusions in Wagmo’s accident and illness policy is extensive and includes several notable limitations compared to some competitors.
Most significant are the absolute exclusion of preventive care, cancer treatment, hereditary and congenital conditions that show signs before coverage, and all alternative therapies.
Knee, soft tissue, and some orthopedic conditions are subject to explicit waiting periods, and coverage can be denied for any pre-existing or related conditions.
Other noteworthy points include limitations on coverage for working, breeding, or performance animals, as well as the exclusion of non-medically necessary procedures and injury from neglected preventive care.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive care |
|
| Therapy & alternative |
|
| Non-medical |
|
| Behavioral/activity |
|
| Age & identification |
|
| Geographic/other |
|
- Pre-existing conditions or symptoms
- Congenital diseases with prior clinical signs
- Cancer treatment
- Knee/soft tissue injuries with prior diagnosis/waiting period
- Hereditary conditions showing signs before coverage
- Concurrent or subsequent injury to opposite limb if not treated first
- Routine wellness exams
- Vaccinations
- Parasite prevention
- Spay/neuter
- Dental cleanings (routine/preventive)
- All holistic, homeopathic, acupuncture, chiropractic, hydrotherapy, and physical rehabilitation
- Clinical trial participation
- Experimental/alternative treatments
- Grooming (unless medically necessary)
- Cosmetic/elective/declaw/tail dock/ear crop surgeries (unless medically necessary)
- Boarding, cages, and housing
- Administrative/non-veterinary fees (bank charges, etc.)
- Injuries/illnesses related to obedience, training, sports, working, or professional/commercial activity
- Intentional abuse/neglect
- Non-compliance with vet advice
- Pets under 6 weeks old
- Incorrect age representation or failure to provide veterinary documentation
- Care or claims outside the United States
- epidemics/pandemics
- Acts of war, seizure, nuclear or chemical events
- Cloning or cloned animals
Wagmo Prices
| Wellness Plan | Insurance Plan | |
|---|---|---|
| Young cat (2–4 years) | $29/month | $26–$34/month |
| Senior cat (7–8 years) | $29–$32/month | $37–$45/month |
| Small breed dog | $31/month | $35–$47/month |
| Small breed dog (2–4 years) | $31/month | $35–$47/month |
| Large breed dog (2–4 years) | $33/month | $52–$66/month |
| Senior dog (7–8 years) | $33–$38/month | $61–$89/month |
Wagmo is positioned as a mid-range provider, balancing moderate monthly premiums with mostly standard deductibles and caps, especially on its Wellness plan.
As a pure digital player, Wagmo streamlines claims and policy management online, which generally results in lower administrative costs and more accessible pricing compared to traditional insurers.
While the Wellness plan is among the most affordable for routine care and appeals to owners looking for predictable, simple coverage, the core Insurance plan excludes certain high-cost conditions and pre-existing diseases, helping keep premiums in check but narrowing coverage compared to premium brands.
The reimbursement rates and item limits are generally competitive, but comprehensive accident/illness options with fewer exclusions may be found at higher price points elsewhere.
Wagmo thus suits pet owners seeking convenience and value without the expectation of full-spectrum, top-tier medical coverage.
Compare Wagmo's plans to find the monthly premium that best matches your pet's profile and coverage needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Wagmo Promo Codes
| Wagmo Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Wagmo Reimbursement Amounts: What to Expect
With Wagmo’s highest-tier plan, you’re reimbursed for eligible veterinary expenses after your annual deductible is met and based on the plan’s reimbursement rate, helping you reduce your out-of-pocket costs.
Emergency intestinal surgery (Small dog)
Total vet costs: $2,400
Annual deductible to subtract: $500 (if not already met that year)
Amount reimbursable after deductible: $2,400 – $500 = $1,900
Reimbursement at 90%: $1,900 × 90% = $1,710
👉 You receive a reimbursement of $1,710. Out-of-pocket cost: $690
ℹ️ The deductible is applied only once per year; subsequent claims that year will not have the deductible subtracted again.
Respiratory Infection Claim Reimbursement (Cat)
Total vet costs: $600 (consultation, lab work, antibiotics)
Deductible already met earlier in the policy year
Reimbursement at 90%: $600 × 90% = $540
👉 You receive $540 from Wagmo. Out-of-pocket cost: $60
ℹ️ Claims above the annual coverage limit would result in a lower payment; always check your remaining reimbursable cap.
Annual preventive care (Wellness plan add-on)
Total vet costs: $250 (exam, vaccines, routine bloodwork, fecal test)
No deductible on the wellness plan; capped annual reimbursement
Wellness reimbursement: Up to $350 per year; $250 fully reimbursed
👉 You receive $250 from Wagmo. Out-of-pocket cost: $0 for this visit
ℹ️ Preventive care is only covered via the separate Wagmo Wellness plan; standard insurance does not include wellness reimbursements.
Wagmo Assistance
| Assistance Wagmo | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service provided. All vet bills must be paid upfront by the pet owner. |
| Payment facilities | ❌ | No installments or 3-month, no-fee payment options mentioned. Payment due in full on enrollment. |
| Mobile app | ✅ | Mobile app available (iOS, Android). Users can manage policies, submit claims, and track reimbursements. UX details: N.C. |
| Paperless claims process | ✅ | Claims are submitted and reimbursed online or in the app. Claims can be processed quickly with digital receipt uploads. |
| Emergency vet service | ✅ | 24/7 telehealth with vet technicians is included. No live video veterinary consults or in-person emergency dispatch. |
| Vet/clinic partner network | ❌ | No preferred clinic or vet network. Policyholders can choose any licensed vet in the US. |
| Coverage abroad | ❌ | Pet is not insured outside the US. No reimbursement available for treatment abroad. |
Customer Reviews of Wagmo
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 2.6/5 (6 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Wagmo for their pets often mention:
- An instant and straightforward reimbursement for some routine wellness care claims.
- A simple digital process for uploading receipts and tracking reimbursement status.
- Occasional fast turnaround times for claims, especially for approved wellness expenses.
On the negative side:
- A high number of claim denials for pre-existing conditions, sometimes disputed by the customer’s veterinarian.
- A risk of policy non-renewal after pets develop a chronic or costly condition, which frustrates policyholders.
- Prolonged claims review times, sometimes taking up to three months before resolution.
- Reports of steep cancellation fees and difficulties canceling policies without penalty.
- Concerns about poor transparency, communication, and dispute handling in challenging claim situations.
Contacting Wagmo
| Wagmo Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement |
|
| To obtain a certificate of insurance |
|
| To contact assistance |
|
| To cancel my policy |
|
- Reimbursement requests are submitted via Wagmo’s online portal or mobile app.
Required documents: Vet invoice/receipt, details of services provided, completed claim form.
Claims must be filed promptly after the visit.
Payment is made by direct deposit or mailed check; processing time reported as rapid for straightforward routine care, but may vary. - For questions, contact Wagmo support at support@wagmo.io.
- Request your certificate by emailing support@wagmo.io.
Include your policyholder details and specify that you need an official insurance certificate.
- Email support@wagmo.io for any customer service need.
For routine inquiries and technical support, use the help section in your Wagmo account or the mobile app. - For urgent questions about your benefits, use the app or reach out via email.
- Send a cancellation request to support@wagmo.io.
State your policyholder information and intention to cancel.
A written notice is required; a cancellation fee may apply depending on policy terms.
Ask for confirmation of cancellation and any prorated refund information.
FAQ
Do I have to pay upfront for veterinary fees with Wagmo?
Yes, with Wagmo, you pay your veterinary bills upfront and then submit a claim for reimbursement. Wagmo does not offer direct third-party payment to veterinarians. Once your claim is approved, you receive reimbursement directly to your bank account or by check, depending on your selected payment method.
How do I cancel my pet insurance policy with Wagmo?
To cancel your policy, submit a written request to Wagmo customer service (e.g., via support@wagmo.io) with your policy details. There is no minimum notice period specified, but cancellation is effective when your request is received and processed. Be sure to include your name, policy number, and reason for cancellation. You should request confirmation of your cancellation and review any potential fees.
What does Wagmo pet insurance cover and what is excluded?
Wagmo pet insurance primarily covers expenses for accidents and illnesses, such as diagnostics, surgery, prescriptions, and hospitalization. It does not include preventive care, wellness exams, vaccinations, or pre-existing conditions. Elective procedures, grooming, and certain hereditary issues may also be excluded. Refer to your policy for a comprehensive list of covered and excluded services.
How does the Wagmo reimbursement process work and how long does it take?
To receive reimbursement, file a claim through Wagmo’s app or online portal by uploading paid vet invoices and any required documents. Claims are generally processed quickly, sometimes within a few days, though complex claims may take longer. Approved reimbursements are paid by direct deposit or check. Prompt and complete documentation can help speed up the process.
Can I use any veterinarian with Wagmo, and is there a network I need to follow?
You are free to visit any licensed veterinarian in the United States with Wagmo insurance. There is no network requirement, so you can choose the best provider for your pet’s needs. Make sure to collect itemized invoices and medical records for your claims. Emergency, specialty, and general practice vets are all eligible for coverage, subject to policy terms.
Do I have to pay upfront for veterinary fees with Wagmo?
Yes, with Wagmo, you pay your veterinary bills upfront and then submit a claim for reimbursement. Wagmo does not offer direct third-party payment to veterinarians. Once your claim is approved, you receive reimbursement directly to your bank account or by check, depending on your selected payment method.
How do I cancel my pet insurance policy with Wagmo?
To cancel your policy, submit a written request to Wagmo customer service (e.g., via support@wagmo.io) with your policy details. There is no minimum notice period specified, but cancellation is effective when your request is received and processed. Be sure to include your name, policy number, and reason for cancellation. You should request confirmation of your cancellation and review any potential fees.
What does Wagmo pet insurance cover and what is excluded?
Wagmo pet insurance primarily covers expenses for accidents and illnesses, such as diagnostics, surgery, prescriptions, and hospitalization. It does not include preventive care, wellness exams, vaccinations, or pre-existing conditions. Elective procedures, grooming, and certain hereditary issues may also be excluded. Refer to your policy for a comprehensive list of covered and excluded services.
How does the Wagmo reimbursement process work and how long does it take?
To receive reimbursement, file a claim through Wagmo’s app or online portal by uploading paid vet invoices and any required documents. Claims are generally processed quickly, sometimes within a few days, though complex claims may take longer. Approved reimbursements are paid by direct deposit or check. Prompt and complete documentation can help speed up the process.
Can I use any veterinarian with Wagmo, and is there a network I need to follow?
You are free to visit any licensed veterinarian in the United States with Wagmo insurance. There is no network requirement, so you can choose the best provider for your pet’s needs. Make sure to collect itemized invoices and medical records for your claims. Emergency, specialty, and general practice vets are all eligible for coverage, subject to policy terms.
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