WAGMO Pet Insurance Review & Prices

WAGMO pet insurance review

Overall Rating 3.9 / 5

four star review
  • Affordable premiums
    • For dogs – from $20
    • For cats – from $20
  • Customizable plans
    • Deductibles: $250, $500, $1,000
    • Reimbursement rates: up to 100% 
    • Annual coverage limits: Typically up to $20,000, with a $10,000 per incident cap and $100,000 lifetime limit
  • Comprehensive Coverage
    • Accident & illness plans with coverage for a wide range of conditions
    • Wellness plans available, offering coverage for routine care

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About Wagmo Pet Insurance 🌟

Wagmo Pet Insurance is a dynamic choice for pet owners prioritizing both wellness and emergency care for their pets. Known for its blend of comprehensive coverage options and innovative wellness plans, Wagmo caters to the diverse needs of today’s pet parents.

Key Highlights
Wagmo stands out with its unique offerings that include not only traditional accident and illness coverage but also distinct wellness plans that can be purchased separately. These wellness plans are particularly beneficial for managing routine care expenses, making preventive care more accessible and affordable.

Why Choose Wagmo?
Choosing Wagmo means opting for flexibility and comprehensive coverage. Its plans are designed to meet the varying needs of pet owners, offering choices in deductibles, reimbursement rates, and coverage limits. This customization, coupled with their wellness plan options, positions Wagmo as a versatile and appealing option in the pet insurance market.

A Partner in Pet Wellness
Wagmo’s approach goes beyond just insurance coverage; they aim to be partners in the overall wellness journey of your pet. With efficient claims processing and an emphasis on customer support, Wagmo simplifies pet insurance. This focus allows pet owners to concentrate on the most important aspect – the health and happiness of their pets.

Wagmo Pet Insurance Plans and Coverage🛡️

Explore the tailored and comprehensive pet insurance plans offered by Wagmo, designed to cater to the health needs of your dogs and cats.

Accident and Illness Plans
Wagmo’s Accident and Illness plans provide pet owners with various customization options, including choices in deductibles, reimbursement rates, and coverage limits. These plans are focused on ensuring your pet’s health is thoroughly protected, covering a range of conditions such as diagnostic tests, chronic illnesses, and other significant health issues.

Wellness Plans
Wagmo is particularly noted for its standalone Wellness plans, which are an excellent choice for managing routine care costs like vaccinations, regular check-ups, and preventative treatments. These plans are available in different tiers, allowing pet owners to select the level of coverage that aligns best with their pet’s needs.

Claims and Reimbursements
Wagmo is known for its quick claims processing, especially for wellness-related expenses, often reimbursing within 24 hours. For accident and illness claims, the processing time may be longer. This efficient system ensures that pet owners can receive timely support when they need it most.

Flexibility and Coverage Options
Wagmo offers flexibility in its plans, with multiple options for deductibles and reimbursements. This flexibility extends to the Wellness plans, where pet owners can choose from various levels of preventive care coverage.

Wagmo Pet Insurance Cost 💵

The cost of Wagmo pet insurance varies depending on factors like your pet’s age, breed, and the location, as well as the specific coverage options you choose. Below is an overview of average monthly premiums for dogs and cats based on Wagmo’s insurance plans:
Average Monthly Premiums

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $49
Cat Accident & Illness $28

Additional Costs and Fees

  • Enrollment Fees: May apply depending on the plan.
  • Payment Processing Fee: This could be applicable for monthly payments.

Customization Options
You can adjust the following variables in your Wagmo plan to suit your needs and budget:

  • Annual Deductible: Options may include various levels like $250, $500, etc.
  • Reimbursement Rate: Choices could range from 70% to 100%.
  • Annual Coverage Limit: Includes options like $10,000, $20,000, or unlimited.

Factors Influencing Cost

  1. Breed and Age: Certain breeds and older pets often have different premium rates.
  2. Location: Regional veterinary costs can affect insurance premiums.
  3. Coverage Level: Choosing higher coverage levels can influence the premium.

Discounts and Savings
Wagmo might offer various discounts, helping you save on your pet insurance costs. Potential discounts include:

  • Multi-Pet Discount: Savings for insuring more than one pet with Wagmo.
  • Other Promotional Offers: Occasionally available based on Wagmo’s policies.

Frequently Asked Questions❓🙋

What is Wagmo pet insurance?

Wagmo Pet Insurance is a company that offers insurance and wellness plans for pets, including coverage for accidents, illnesses, and routine wellness care.

What types of pets does Wagmo cover?

Wagmo provides coverage for dogs and cats. They offer different plans tailored to the needs of these pets.

Can I customize my Wagmo insurance plan?

Wagmo allows some customization in its plans. You can choose between different deductible options and reimbursement rates.

Are pre-existing conditions covered by Wagmo?

Like most pet insurance providers, Wagmo does not cover pre-existing conditions. These are defined as any condition that occurred or showed symptoms before the pet was enrolled in the policy or during the waiting period.

What is the waiting period for Wagmo insurance?

For Wagmo’s wellness plans, there’s no waiting period. For standard accident-and-illness coverage, there’s a 15-day waiting period, and for specific conditions like cancer, the waiting period is 30 days.

How are claims processed by Wagmo?

Wagmo has a digital app for streamlined claims processing. Wellness claims are often processed within 24 hours, while accident and illness claims may take longer.

Does Wagmo offer any discounts?

Wagmo may offer discounts such as a multi-pet discount and other promotional offers.

Can I visit any veterinarian with Wagmo insurance?

Yes, Wagmo allows you to visit any licensed vet for your pet’s care.

Is there a lifetime cap on Wagmo insurance coverage?

Yes, Wagmo’s plans typically have a lifetime cap, which varies depending on the plan you choose.

What should I do if I have a question about my Wagmo policy?

Wagmo provides customer support through various channels including a chat function on their website and app, email, and a customer support phone line.

Wagmo Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Wagmo. Read testimonials to explore their experiences with this trusted pet insurance, from Pawlicy Advisor, MarketWatch , Investopedia and so on.

Business Insider

Wagmo offers straightforward pet insurance plans with three deductibles to choose from and the option for 100% reimbursement coupled with wellness coverage for their furry friend. However, all policies are capped at $20,000 annually.

Business Insider
four star review

This Old House

The This Old House Reviews team reviewed the best pet insurance providers and found that Wagmo is a leading pet insurer based on metrics such as coverage, cost, customer service, reputation, and plan options. We gave Wagmo a score of 82 out of 100. 

star reviews 4.5


Wagmo truly shines in the area of pet wellness. Few companies offer standalone wellness plans, and often, the only choice is tied to certain pet hospitals. With Wagmo, you may use any veterinarian you wish for wellness coverage,  plans are available in all 50 states.

four star review


Though Wagmo pet insurance has only been around since 2017, the company has quickly made a name in the pet insurance industry for providing a convenient, streamlined digital experience and being led and owned by women. 

five star review

Pawlicy Advisor

Wagmo is not a pet insurance company in the strictest sense. Instead, it’s described as a pet insurance and wellness company that provides an alternative to traditional pet insurance. Its core product is a preventative pet wellness plan called Wagmo Wellness.

Pawlicy Advisor
four star review

Canine Journal

Wagmo started out offering stand-alone pet wellness plans to customers but recently added the option for traditional pet insurance as well. It’s one of the few companies to offer both wellness and insurance coverage for your pet. Wagmo pet insurance isn’t available in all 50 states yet.

Canine Journal
two stars


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