Wagmo Pet Insurance Review 2025: Pros, Cons & Coverage
Our expert's opinion on Wagmo
Wagmo’s pet insurance offers three tiered accident-and-illness plans—Value, Classic, and Deluxe—designed around straightforward monthly pricing and a digital-first customer experience.
Wagmo’s plans differ by annual limits, reimbursement rates, deductibles, and co-payments as specified on each policyholder’s Declarations Page; routine preventive care is excluded from core policies and is delivered through separate wellness offerings, and published monthly prices for common dog and cat profiles are approximately $25 (Value), $45 (Classic), and $65 (Deluxe). Compared with major U.S. competitors, Wagmo emphasizes simple flat-plan pricing and an app-centric claims process, positioning itself as a lower-cost, digital alternative while narrowing coverage for high-cost conditions such as cancer and certain orthopedic disorders.
Best for owners seeking predictable, low monthly premiums and fast, app-based claims workflows—younger or generally healthy pets with lower anticipated catastrophic exposures.
Wagmo is administered by Boost Insurance Agency and underwritten by National Specialty Insurance Company; customers report easy in-app claim submission and quick reimbursements on many claims, but also note disputes over pre-existing condition determinations, occasional non-renewals after significant claims, and claim review delays ranging from weeks to months.
- ✅Flat, simple monthly pricing by plan
- ✅Three-tier plan choices for budget flexibility
- ✅App-based claims submission and user experience
- ✅Coverage for emergencies, surgery, imaging, labs
- ✅Uniform pricing across ages and breeds
- ✅Specialist consultations included on plans
- ✅Optional wellness add-ons with telehealth access
- ❌Cancer treatment explicitly excluded
- ❌Knee, ligament, and some spinal conditions limited
- ❌Preventive care, vaccinations, and neutering excluded
- ❌Reimbursement rates and limits set on Declarations Page
- ❌Customer reports of claim denials and non-renewals
Score- ✅Flat, simple monthly pricing by plan
- ✅Three-tier plan choices for budget flexibility
- ✅App-based claims submission and user experience
- ✅Coverage for emergencies, surgery, imaging, labs
- ✅Uniform pricing across ages and breeds
- ✅Specialist consultations included on plans
- ✅Optional wellness add-ons with telehealth access
Our expert's opinion on Wagmo
- ✅Flat, simple monthly pricing by plan
- ✅Three-tier plan choices for budget flexibility
- ✅App-based claims submission and user experience
- ✅Coverage for emergencies, surgery, imaging, labs
- ✅Uniform pricing across ages and breeds
- ✅Specialist consultations included on plans
- ✅Optional wellness add-ons with telehealth access
- ❌Cancer treatment explicitly excluded
- ❌Knee, ligament, and some spinal conditions limited
- ❌Preventive care, vaccinations, and neutering excluded
- ❌Reimbursement rates and limits set on Declarations Page
- ❌Customer reports of claim denials and non-renewals
Score- ✅Flat, simple monthly pricing by plan
- ✅Three-tier plan choices for budget flexibility
- ✅App-based claims submission and user experience
- ✅Coverage for emergencies, surgery, imaging, labs
- ✅Uniform pricing across ages and breeds
- ✅Specialist consultations included on plans
- ✅Optional wellness add-ons with telehealth access
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Wagmo Guarantees
Wagmo offers three core plans — Value, Classic, and Deluxe — that are positioned respectively as entry-level, balanced, and premium options. All three plans provide accident and illness coverage, with the main differences lying in the financial terms (annual limits, deductibles, and co‑payments) which are specified on the policyholder’s Declarations Page. Coverage focuses on emergency care, specialist consultations, surgery, imaging and laboratory diagnostics; radiotherapy and routine hygiene services are excluded across the product range.
Policies are administered by Boost Insurance Agency, Inc. and underwritten by National Specialty Insurance Company. Core plan features include emergency and specialist access and a modest ambulance benefit; preventive care, routine vaccinations, and dental prophylaxis are not part of the standard insurance benefit. Alternative and complementary therapies, foods and supplements, and many non‑medical fees are specifically excluded unless otherwise noted by an endorsement.
Minimum registration age for dogs and cats is six weeks. Certain conditions have specific waiting or exclusion rules: knee/ligament conditions and some spinal conditions are subject to extended waiting periods and bilateral exclusions. The product suite is designed to cover acute and many surgical conditions while excluding long‑term or lifestyle services and some high‑cost specialty treatments.
Strengths include straightforward multi‑tier pricing with a clear value/premium progression, coverage of emergency and specialist veterinary services, and an ambulance allowance. Weaknesses are explicit exclusions for cancer treatment, routine wellness and dental cleaning, many rehabilitative or alternative therapies, and several conditional exclusions that can limit coverage for orthopedic and spinal issues.
| Value | Classic | Deluxe | |
|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Premium |
| Type of coverage (accident, illness, both, etc.) | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) |
| Annual reimbursement limit | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) |
| Deductible (annual or per claim) | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) | Determined per policy (shown on Declarations Page) |
| Age limits for enrollment | Min 6 weeks (maximum age not specified) | Min 6 weeks (maximum age not specified) | Min 6 weeks (maximum age not specified) |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting periods (accident and illness) | N.C.; specific condition waiting periods apply (see notes) | N.C.; specific condition waiting periods apply (see notes) | N.C.; specific condition waiting periods apply (see notes) |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Yes | Yes | Yes |
| Medications | Covered when related to a covered incident | Covered when related to a covered incident | Covered when related to a covered incident |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests | Yes (imaging and lab tests) | Yes (imaging and lab tests) | Yes (imaging and lab tests) |
| Dental care | Dental cleaning: No (except when treating a covered illness) | Dental cleaning: No (except when treating a covered illness) | Dental cleaning: No (except when treating a covered illness) |
| Preventive care | Vaccinations, parasite prevention, routine wellness: No | Vaccinations, parasite prevention, routine wellness: No | Vaccinations, parasite prevention, routine wellness: No |
| Alternative medicine | No | No | No |
| Travel coverage | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | N.C. | N.C. | N.C. |
| Death & cremation coverage | Death: N.C. | Death: N.C. | Death: N.C. |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | N.C. | N.C. | N.C. |
The product contains a set of core exclusions and conditional limitations. Pre‑existing conditions are excluded: any medical issue that first occurred or showed clinical signs before the policy effective date or during applicable waiting periods will not be covered. Orthopedic and spinal conditions have specific rules: a six‑month waiting period applies to cruciate ligament and soft tissue knee disorders, and if one knee is pre‑existing the opposite knee may be excluded; intervertebral disc disease may be excluded when neighboring discs were previously affected. Cancer treatment is explicitly excluded under these plans.
Preventive and routine services are outside the scope of standard coverage: wellness exams, vaccinations, parasite preventives, routine dental cleanings, spaying and neutering, and prescription diets are not reimbursed. Holistic and most rehabilitative therapies (acupuncture, chiropractic, physical and hydrotherapy), nutritional supplements, grooming, and non‑medical fees are excluded. Additional specific exclusions include pets under six weeks old, limits on repeated anesthetic removals of ingested foreign bodies within a policy period, procedures tied to clinical trials or cloning, and costs arising from racing, guarding, organized fighting, or catastrophic events such as declared pandemics, war or nuclear incidents.
Wagmo Exclusions
Wagmo's exclusions concentrate on pre‑existing conditions, strict rules for certain orthopedic and spinal disorders, and measures to limit repeat high‑cost procedures. Notably, cancer treatment is explicitly excluded and the policy caps more than two anesthetic removals of ingested foreign bodies in a single policy period, provisions that are stricter than many competitors. The coverage also excludes non‑veterinary therapies and all food and supplements, elective cosmetic and breeding‑related procedures, and owner‑caused injuries or neglect. Cloning, procedures tied to clinical trials, and organ transplants are restricted or require prior approval, and costs arising from pandemics, war, or nuclear events are excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any condition with signs or treatment before the policy effective date or during waiting periods. |
| Specific conditions | Cancer: treatment explicitly excluded.Knee conditions: waiting periods and bilateral exclusions apply for cruciate/soft‑tissue knee disorders.Intervertebral disc disease excluded if neighboring discs were previously affected. |
| Therapies and diet | Non‑veterinary therapies excluded (holistic, homeopathic, acupuncture, chiropractic, physical therapy, hydrotherapy).All food and supplements, including prescription diets, excluded. |
| Breeding & cosmetic exclusions | Genetic testing, breeding, pregnancy, whelping, nursing excluded.Elective cosmetic procedures (tail docking, ear cropping, declawing) excluded. |
| Owner‑related & conduct exclusions | Intentional injury, abuse, persistent neglect, or failure to follow veterinary advice excluded.Treatment performed by the pet owner excluded. |
| Non‑medical fees & administrative exclusions | Bank fees, biohazardous waste fees, administrative fees, postage, taxes, and similar non‑veterinary charges excluded. |
| Miscellaneous & catastrophic exclusions | Pets under six weeks old excluded.More than two anesthetic removals of foreign bodies in one policy period excluded.Clinical trial procedures and cloning excluded.Organ transplants restricted or require prior approval.Costs from pandemics, war, or nuclear events excluded. |
Wagmo Pricing
Wagmo’s pricing in 2025 is positioned to cover a range of consumer needs with three clear tiers: Value, Classic, and Deluxe. The Value plan sits at the entry-level price point, Classic occupies a mid-range position, and Deluxe targets customers seeking higher service limits and lower relative cost-sharing. Specific reimbursement rates, deductibles, and annual coverage limits are N.C., and these financial parameters are the key drivers that will determine the real cost to policyholders beyond the headline monthly premium.
A notable element of Wagmo’s approach is its simplified, digital-first cost structure: the provider lists uniform monthly prices across breeds and ages, which can make budgeting easier for owners and reduces upfront pricing complexity compared with some traditional insurers that vary premiums by breed and age. Added-value elements reported by customers include app-based claim submissions and relatively quick payout experiences for eligible claims, which can justify higher-tier premiums for owners who value speed and convenience.
Competitive positioning versus more traditional players rests on transparency of monthly pricing and emphasis on digital service. While Wagmo’s flat-rate premiums present an accessible entry point, the ultimate competitiveness depends on the undisclosed details of reimbursement percentages, deductible mechanics, and annual caps—these determine how much of a high-cost claim will be covered and whether a Deluxe tier meaningfully reduces out-of-pocket exposure relative to peers.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Value | Classic | Deluxe |
|---|---|---|---|
| Dog Labrador 1 year | $25.00 | $45.00 | $65.00 |
| Dog Labrador 3 years | $25.00 | $45.00 | $65.00 |
| Dog Labrador 7 years | $25.00 | $45.00 | $65.00 |
| Dog Australian Shepherd 1 year | $25.00 | $45.00 | $65.00 |
| Dog Australian Shepherd 3 years | $25.00 | $45.00 | $65.00 |
| Dog Australian Shepherd 7 years | $25.00 | $45.00 | $65.00 |
| Dog French Bulldog 1 year | $25.00 | $45.00 | $65.00 |
| Dog French Bulldog 3 years | $25.00 | $45.00 | $65.00 |
| Dog French Bulldog 7 years | $25.00 | $45.00 | $65.00 |
| Cat European Shorthair 1 year | $25.00 | $45.00 | $65.00 |
| Cat European Shorthair 3 years | $25.00 | $45.00 | $65.00 |
| Cat European Shorthair 7 years | $25.00 | $45.00 | $65.00 |
| Cat Maine Coon 1 year | $25.00 | $45.00 | $65.00 |
| Cat Maine Coon 3 years | $25.00 | $45.00 | $65.00 |
| Cat Maine Coon 7 years | $25.00 | $45.00 | $65.00 |
| Cat British Shorthair 1 year | $25.00 | $45.00 | $65.00 |
| Cat British Shorthair 3 years | $25.00 | $45.00 | $65.00 |
| Cat British Shorthair 7 years | $25.00 | $45.00 | $65.00 |
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.
How much will I be reimbursed with Wagmo?
Wagmo reimburses eligible veterinary expenses after you meet your annual deductible; the insurer then pays a percentage of the remaining eligible costs under your Deluxe plan, up to the plan’s annual limit.
✅ Example 1: Consultation and medication for allergic dermatitis
Total vet costs: $200.00 (office exam $60.00 + medication $140.00)
Deductible amount to subtract: $100.00 (annual deductible)
Amount reimbursable after deductible with the Deluxe plan: $200.00 – $100.00 = $100.00
90% of that amount reimbursed: $100.00 × 90% = $90.00
👉 You receive a reimbursement of $90.00.
ℹ️ The annual deductible applies once per policy year; subsequent eligible claims are reimbursed without repeating the deductible until the next policy year.
✅ Example 2: Emergency surgery for foreign object ingestion
Total vet costs: $3,600.00 (ER triage $600.00 + surgery $2,200.00 + imaging $400.00 + meds/supplies $400.00)
Deductible amount to subtract: $0.00 (deductible already met earlier in the year)
Amount reimbursable after deductible with the Deluxe plan: $3,600.00 – $0.00 = $3,600.00
90% of that amount reimbursed: $3,600.00 × 90% = $3,240.00
👉 You receive a reimbursement of $3,240.00.
ℹ️ Reimbursements reduce the remaining annual coverage limit; track your cumulative reimbursements to avoid hitting the annual cap.
✅ Example 3: Accidental dental repair after tooth fracture
Total vet costs: $850.00 (exam $120.00 + anesthesia $250.00 + tooth repair $480.00)
Deductible amount to subtract: $100.00 (annual deductible not yet met)
Amount reimbursable after deductible with the Deluxe plan: $850.00 – $100.00 = $750.00
90% of that amount reimbursed: $750.00 × 90% = $675.00
👉 You receive a reimbursement of $675.00.
ℹ️ Routine dental cleanings are typically excluded, but accident-related dental treatment is often eligible; check your policy terms for dental-specific conditions.
Wagmo Assistance
Wagmo provides pragmatic assistance for routine and urgent veterinary needs by combining ambulance reimbursement for minor transport costs and a mobile-first claims workflow that enables quick digital submissions and, in many cases, rapid reimbursements.
The offering lacks clear, market-standard advance payment solutions (Payvet, CareCredit integrations) and does not include legal or psychological support services for owners, which narrows options in complex or end‑of‑life situations.
Teletriage and 24/7 veterinary access are offered through wellness add‑ons rather than as a universal feature of all insurance plans, so owners should confirm teleconsultation availability for their selected product.
Customer feedback flags claim denials linked to pre‑existing condition definitions and occasional non‑renewal after major claims, making careful review of underwriting rules and waiting periods essential before purchase.
| Assistance Wagmo | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | App available. Rating: N.C. Allows in‑app claim submission and digital uploads; users report straightforward claim filing. |
| Paperless claims process | ✅ | Claims can be submitted via app or online portal. Reimbursements processed digitally (ACH or similar); many customers report fast processing, though some report delays. |
| Emergency vet service | N.C. | N.C. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Allows in‑app claim submission and digital uploads; users report straightforward claim filing.
Reimbursements processed digitally (ACH or similar); many customers report fast processing, though some report delays.
Wagmo Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.4/5 (7 reviews) |
Wagmo receives praise for straightforward claim submission and several reports of timely reimbursements, with users noting successful payouts for covered surgeries and a generally easy-to-use app experience that some owners describe as good value. Positive remarks also highlight helpful interactions when claims are accepted and the perceived affordability of certain plan tiers for routine accident and illness coverage.
On the other hand, a recurring concern involves claim denials tied to pre-existing condition determinations and reports of non-renewal after significant diagnoses, which some policyholders found unexpected. Several reviewers also mention slow response times or frustrating communications during disputes, and there are occasional complaints about wellness plan fees or limits that did not meet customers’ expectations.
Here are some examples of customer reviews:
- G.R., 19/12/2024, Thankfully we had wagmo insurance and they reimbursed for surgery on the one leg… but they decided not to renew our insurance due to our puppy’s condition.
- K.C., 09/05/2024, I am deeply disappointed… Wagmo Insurance unjustly denied coverage for my pet’s treatment for Addison's disease, claiming it was a pre-existing condition…
- Ann, 29/09/2023, I paid months worth of premiums for two dogs… after almost 3 months… I finally got a denial… Save your money. This insurance is an absolute scam.
Contact 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. Direct online quote/subscription on Wagmo's own website or partner portals: N.C. |
| To request and track a reimbursement | Process: Submit claims using the Wagmo mobile app. Required documents: N.C. Deadlines for submission: N.C. How to track a claim: N.C. Reimbursement method (electronic transfer, check, etc.): N.C. |
| To obtain a certificate of insurance | How to request: N.C. Available channels (email, portal, postal mail, in-app): N.C. Information required to issue the certificate (policy number, insured name, pet details): N.C. |
| To contact assistance | Phone: N.C. Email: N.C. Customer portal / claims portal: Wagmo mobile app (claim submission noted); Postal mail (administrator): Boost Insurance Agency, Inc., 158 West 27th Street, 10th Floor, New York, NY 10001. Underwriter postal address: National Specialty Insurance Company, 900 W Don Dodson Drive, Bedford, TX 76021. |
| To cancel my policy | Cancellation procedure: N.C. Information to provide to cancel (policy number, owner details, effective date): N.C. Deadlines and notice period: N.C. Refunds or prorated premium conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Wagmo?
Yes. Wagmo reimburses eligible veterinary expenses after you pay the provider and submit a claim through the Wagmo app or claims process. Claims are reviewed and, if approved, Wagmo issues a reimbursement to the policyholder. Many customers report fast app submissions and prompt reimbursements for approved claims. Specific direct‑pay arrangements with veterinarians are not detailed.
How do I cancel my pet insurance policy with Wagmo?
To cancel, contact your policy administrator through your Wagmo account or send a written request including your policy number, policyholder name, and desired cancellation date to the administrator’s address. The administrator listed for correspondence is Boost Insurance Agency, Inc., 158 West 27th Street, 10th Floor, New York, NY 10001. Any refund or pro rata premium handling is managed by the insurer per policy terms; specific notice periods or refund rules are N.C.
What are the waiting periods for accident and illness coverage?
Waiting periods for standard accident and illness coverage are not specified in the plan summary available (N.C.). A specific six‑month waiting period applies to cruciate ligament and some knee/soft tissue conditions, and intervertebral disc exclusions can apply when prior spinal treatment exists. Emergency care for acute accidents may be subject to shorter waiting periods or different rules depending on your policy.
What reimbursement rates and annual limits apply?
Reimbursement percentages and annual reimbursement limits are set on the policy Declarations Page and vary by selected plan tier (Value, Classic, Deluxe) and options you choose. The plan materials list reimbursement rate and annual limit fields as configurable (N.C. for exact default values). Expect your out‑of‑pocket share to depend on the deductible and reimbursement rate chosen at enrollment.
What is the minimum age to enroll my pet and are there any age limits?
Pets can be enrolled from six weeks of age. Maximum age limits for enrollment and any age‑related restrictions are not specified in the plan summary (N.C.). Eligibility and any age‑related underwriting rules will be confirmed at application and shown on your policy documents.
What common exclusions should I expect under Wagmo policies?
Pre‑existing conditions are excluded—any condition with prior signs or treatment before the effective date or during waiting periods is not covered. Cancer treatment, preventive care (vaccinations, parasite prevention, spay/neuter), many alternative therapies, prescription diets and supplements, breeding and cosmetic procedures are excluded unless a specific rider covers them. Repetitive incidents, intentional harm, and events like pandemics or war are also excluded.
Do I have to pay upfront for veterinary fees with Wagmo?
Yes. Wagmo reimburses eligible veterinary expenses after you pay the provider and submit a claim through the Wagmo app or claims process. Claims are reviewed and, if approved, Wagmo issues a reimbursement to the policyholder. Many customers report fast app submissions and prompt reimbursements for approved claims. Specific direct‑pay arrangements with veterinarians are not detailed.
How do I cancel my pet insurance policy with Wagmo?
To cancel, contact your policy administrator through your Wagmo account or send a written request including your policy number, policyholder name, and desired cancellation date to the administrator’s address. The administrator listed for correspondence is Boost Insurance Agency, Inc., 158 West 27th Street, 10th Floor, New York, NY 10001. Any refund or pro rata premium handling is managed by the insurer per policy terms; specific notice periods or refund rules are N.C.
What are the waiting periods for accident and illness coverage?
Waiting periods for standard accident and illness coverage are not specified in the plan summary available (N.C.). A specific six‑month waiting period applies to cruciate ligament and some knee/soft tissue conditions, and intervertebral disc exclusions can apply when prior spinal treatment exists. Emergency care for acute accidents may be subject to shorter waiting periods or different rules depending on your policy.
What reimbursement rates and annual limits apply?
Reimbursement percentages and annual reimbursement limits are set on the policy Declarations Page and vary by selected plan tier (Value, Classic, Deluxe) and options you choose. The plan materials list reimbursement rate and annual limit fields as configurable (N.C. for exact default values). Expect your out‑of‑pocket share to depend on the deductible and reimbursement rate chosen at enrollment.
What is the minimum age to enroll my pet and are there any age limits?
Pets can be enrolled from six weeks of age. Maximum age limits for enrollment and any age‑related restrictions are not specified in the plan summary (N.C.). Eligibility and any age‑related underwriting rules will be confirmed at application and shown on your policy documents.
What common exclusions should I expect under Wagmo policies?
Pre‑existing conditions are excluded—any condition with prior signs or treatment before the effective date or during waiting periods is not covered. Cancer treatment, preventive care (vaccinations, parasite prevention, spay/neuter), many alternative therapies, prescription diets and supplements, breeding and cosmetic procedures are excluded unless a specific rider covers them. Repetitive incidents, intentional harm, and events like pandemics or war are also excluded.
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