Wagmo Pet Insurance Review 2025

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

Business Insider compared Wagmo to the best pet insurance companies and found it to offer below-average pet insurance with quite a few exclusions and limitations like lifetime limits and premiums that can change based on your claims history. However, its wellness package —  which can be purchased independently from its pet insurance — is a standout offering.

Pros and Cons

Wagmo Pros

• Option for 100% reimbursement
• Wellness plans can be purchased independent of insurance
• 10% multi-pet discount
• Classic and Deluxe wellness plans include grooming
• Covers pet ambulance and end-of-life services
• Curable preexisting condition coverage after 12-month waiting period

Wagmo Cons

• No coverage for prescription food
• No coverage for alternative treatments
• Doesn't cover dental surgeries
• $100,000 lifetime coverage limit
• Annual limit locked at $20,000
• Only covers 50% of prescription medicine
• Wellness does not cover spaying/neutering
• Wellness is relatively expensive
• Premiums and coverage can change depending on claims history

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Wagmo Pet Insurance

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Perks

Comprehensive plans for routine care and emergency care.

JD Power Customer Satisfaction Rating

NR

AM Best Financial Strength Rating

NR

Pros

• Reimbursements are available for vets in all 50 US States and Canada
• Up to 100% reimbursement available
• No official age restrictions

Cons

• Complaints suggest long wait times may apply for some coverages
• Reviews mention seniors and otherwise pets filing more claims having their coverage dropped
• Coverage limits only go up to $20,000

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Compare Wagmo Pet Insurance

Wagmo Pet Insurance Overview

Wagmo Pet Insurance offers an accident and illness plan that lags behind most of its competitors. While it offers a few uncommon coverages like pet hospitalization, pet ambulance coverage up to $100, and up to 100% reimbursements, it also has quite a few issues.

Customers are locked into a $20,000 annual limit and a $100,000 lifetime limit. Additionally, Wagmo doesn't offer coverage for prescription food, alternative treatments, or dental surgeries. It also only covers 50% of prescription medicine costs.

Wagmo's real standout feature is its wellness coverage, which comes in three tiers. Depending on the tier of coverage you select, you can access uncommon benefits like virtual training and grooming coverage, though all tiers lack coverage for spaying and neutering. Pet owners who purchase any wellness package will have unlimited access to virtual vet chats and video sessions. The best part of Wagmo's wellness package is that it can be purchased independently of an insurance policy, as many pet insurance companies that offer wellness only offer it as an add-on to insurance.

Wagmo pet insurance prices are on the lower end of the industry, while its wellness plans are relatively expensive. It's important to note that Wagmo may increase your premiums based on the frequency of claims you file. This is significant, as many of its competitors does not include this language in their policies. Wagmo's wellness plans are relatively expensive.

Ultimately, Wagmo offers affordable coverage, but pet owners may find better options elsewhere, free of Wagmo's many limitations. However, if your pet insurance provider of choice doesn't offer wellness, you can go to Wagmo to supplement your coverage.

Wagmo Pet Insurance Plans and Coverage

Open to pets of any age in all 50 states, Wagmo can shield you financially if your dog or cat is injured or sick.

All accident and illness insurance plans from Wagmo cover the following:

• Prescription medications
• Emergency vet visits
• Virtual, in-home, or in-office care
• Hospital stays
• Surgeries
• X-Rays
• Ultrasounds
• CT scans
• Laboratory tests
• Cancer treatment
• Hereditary and congenital conditions
• Prosthetics and orthopedics
• Hip dysplasia
• End-of-life care
• Pet ambulance services up to $100

While Wagmo plans offer the option for 100% reimbursement, you may also be able to select a reimbursement amount of 90%. A per-incident coverage cap of $10,000 also applies with $20,000 total annually. This means your pet will only have up to $10,000 in coverage for a single incident of cancer treatment, hip dysplasia, or any other expensive injury or illness. 

Most small incidents and even maintenance for conditions like diabetes are covered under a $20,000 plan. However, if your pet is in a severe auto accident, develops a large tumor, or faces other significant medical challenges, $10,000-$20,000 may not be as generous as you'd hope.

Wagmo Pet Insurance Exclusions and Limitations

It's worth mentioning some exclusions and limitations in Wagmo's policies. 

Notable exclusions in Wagmo policies are spaying/neutering, prescription food, alternative treatments, and dental surgeries. Additionally, during the course of your policy's lifetime, Wagmo will only cover two anesthetic foreign body removals. It also only covers 50% of prescription medicine costs and only covers hip dysplasia in pets under 6 years old.

Additionally, Wagmo has a $10,000 per incident limit and a $100,000 lifetime limit. Once you hit that lifetime limit, you'll have to switch providers, which can affect your coverage for existing conditions. Additionally, Wagmo can adjust your premiums based on your claims history, which is an uncommon practice in the pet insurance industry. 

Additional Coverage Options from Wagmo Pet Insurance

In addition to regular pet medical plans, Wagmo offers three pet wellness coverage tiers. The three available tiers include a value plan, a classic plan, and a deluxe plan with the most coverage overall.

The chart below shows how these three levels of wellness coverage stack up in terms of included benefits, as well as how much each plan costs on top of your insurance coverage:

Wagmo Pet Insurance Cost

According to Wagmo Pet Insurance, pet medical coverage premiums depend on factors like your pet's breed, age, and where you live. That said, the company says premiums on dog insurance plans start at around $13 per month, and cat coverage starts at $9 monthly. It also offers a 10% discount for enrolling multiple pets.

To get a better idea of how much Wagmo pet insurance costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.

Business Insider acquired the following dog insurance quotes for a Wagmo plan with a $500 deductible, 80% reimbursement, and $20,000 annual limit:

Let's go over premiums for a New York City cat covered under a Wagmo plan with a $500 deductible, 80% coinsurance, and $20,000 annual limit:

As you can see from the quotes above, pet medical coverage from Wagmo can be affordable for younger pets. However, we're comparing this to the industry at large. In addition, the prices are similar to plans offering unlimited coverage with no lifetime limits. So the value may not be as competitive as it initially looks.

Wagmo's wellness plan costs $25 monthly for its Value plan, $45 for its Classic plan, and $65 for its Deluxe plan.

How to Purchase and Manage a Wagmo Pet Insurance Policy

To purchase a Wagmo pet insurance policy, you'll need to obtain a quote on its website. Be prepared to provide your pet's name, species, breed, age, sex, and whether your pet is neutered/spayed. You'll also provide your email and ZIP code, as your location is one of the most important factors when pet insurance companies calculate your premiums.

Once you obtain your quote, you can adjust your premium by customizing your deductible and coinsurance. Your annual limit will remain at $20,000. 

You also have an option to buy one of Wagmo's three wellness plans. These plans can be purchased without buying Wagmo's accident and illness plan. 

Lastly, before checking out, you can add another pet for a 10% discount. 

It's worth noting that Wagmo has a 15-day waiting period for accident and illness benefits, a 30-day waiting period for cancer coverage, and a six-month waiting period for ligament issues.

Wagmo also offers coverage for curable preexisting conditions after a 12-month waiting period.

How to File A Claim With Wagmo Pet Insurance

For a treatment to be eligible for coverage, you must visit a vet within 48 hours of your pet exhibiting symptoms. Wagmo lets you visit any licensed veterinarian or pet care hospital you want, so you don't have to visit specific offices or branches to get coverage.

Once you're ready to file a claim, you'll log into your Wagmo dashboard online to begin the process. From here, you'll download a photograph of your receipt for care and an itemized invoice from the pet care provider. Wagmo also says you must submit your pet's entire medical history to receive your first reimbursement through the company.

Wagmo says claims are typically processed within 15 days.

Wagmo Pet Insurance Customer Reviews and Ratings

Online reviews of Wagmo are very sparse. Over a handful of reviews on Trustpilot, Wagmo averaged 2.6 stars out of five. Quite a few more people left reviews on Wagmo HQ's Google page, averaging 4.0 stars. Customers spoke highly of Wagmo's claims processing time for wellness care, many reporting same-day reimbursements. Reports of Wagmo's processing times for accident and illness claims were a little more inconsistent.

However, some customers had issues with wellness exams being treated as non-routine. Additionally, some customers had issues with Wagmo treating certain illnesses as preexisting and refusing to payout on claims. 

In our interactions with Wagmo customer service representatives, customer service representatives were quick to respond, but dodged some of our questions about Wagmo's negative aspects.

Let's look at some third-party ratings of Wagmo and its underwriter.

The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

National Specialty Insurance Company, which underwrites Wagmo's policies, scored 2.25, indicating that it has more complaints than expected.

Wagmo Pet Insurance Alternatives

See how Wagmo compares to three other options for pet insurance: Pets Best, Healthy Paws, and Figo.

Wagmo vs. Pets Best Pet Insurance

Pets Best Pet Insurance is a popular insurer, offering medical coverage for dogs, cats, puppies, and kittens with the option to add a pet wellness plan. Pets Best stands out in a few areas, including the fact it has a vet direct pay option if your veterinarian agrees to receive payment from the company ahead of time.

Pets Best covers prescription medicine without the 50% reimbursement limit, covers alternative treatments, and its wellness plans cover spaying/neutering. However, wellness plans must be purchased with Pets Best's accident and illness policy.

Unfortunately, while Pets Best offers unlimited annual coverage, it has per incident and lifetime caps on its plans, which vary across its three tiers of service. Because of this, you'll run into some of the same issues that Wagmo has. However, Pets Best is one of the cheapest pet insurance companies. It doesn't adjust premiums based on your claims history, unlike Wagmo, though it will adjust premiums annually as your pet ages. 

For people looking for cheap pet insurance, Pets Best is the better option compared to Wagmo. However, you should be wary of its limitations.

Read our Pets Best pet insurance review.

Wagmo vs. Healthy Paws Pet Insurance

Healthy Paws Pet Insurance is another pet insurer with no lifetime or per-incident reimbursement limits. Once you meet your deductible, you can get as much care as your pet needs as long as you pay your portion after reimbursement. This provider doesn't have any per-incident caps on coverage, either, so you can breathe easy if your pet has an expensive medical condition or falls victim to a significant accident.

Healthy Paws also lets you customize coverage with options like a $100, $250, or $500 deductible and reimbursement at 70%, 80%, or 90%. However, because all plans come with unlimited coverage, Healthy Paws premiums are generally more expensive than most pet insurance companies, including Wagmo. However, Healthy Paws does not base annual premium adjustments based on your claims history, unlike Wagmo.

Healthy Paws does not offer a pet wellness plan add-on for its insurance policies. However, customers who choose Healthy Paws may be interested in Wagmo's standalone wellness plan.

Read our Healthy Paws pet insurance review.

Wagmo vs. Figo Pet Insurance

Figo Pet Insurance is another provider to consider if you want pet insurance without any per-incident or lifetime caps. It provides coverage for alternative treatments and dental surgeries, which Wagmo does not.

Figo's optional wellness plan isn't as comprehensive as Wagmo's, but it includes coverage for spaying/neutering, and it costs significantly less than Wagmo's wellness plans.

Figo offers plans with varying levels of coverage and premiums. You can choose an annual limit of $5,000, $10,000, or unlimited coverage. You can also opt for a deductible of $100, $250, $500, or $750 and reimbursement at 70%, 80%, 90%, or 100%, though pet owners cannot have 100% reimbursement and unlimited coverage in the same policy.

Regardless, Figo's prices are similar to what Wagmo charges, despite Figo offering far more coverage without the limits present in Wagmo's policies. Figo also offers several discount opportunities, including a 15% discount for Costco members and a 5% discount for enrolling multiple pets.

Ultimately, it's hard to think of a reason to choose Wagmo over Figo. However, those who want a standalone wellness plan may want to mix and match with Figo and Wagmo.

Read our Figo pet insurance review.

Why You Should Trust Us: How We Reviewed Wagmo

Let's go over the factors that we considered when evaluating Wagmo pet insurance:

Coverage levels (25%): Pet insurance generally gives customers a variety of deductible, coinsurance, and coverage limit options. We consider the variety of options pet owners can choose from. We like to see companies with a variety of coverage levels, ideally with an option for unlimited coverage. We also look to see if the company has any lifetime limits.

We also look at the variety of riders that a company offers and how customizable it is, so pet owners can tailor their policy to their needs and exclude coverages they don't want. Lastly, we look at availability, as some insurance companies will not cover pets over a certain age or pets that live in a certain state.

Inclusions/Exclusions (15%): This category considers the actual benefits included in (and excluded from) coverage. Certain benefits are often excluded from coverage, such as vet fees, dental care, and prescription food.

We also consider the length of waiting periods for certain conditions, like knee and ligament conditions, which often have waiting periods of up to six months. We also look to see if the company has any leniency toward preexisting conditions, as some companies offer coverage for curable conditions after a waiting period. For example, Wagmo does not offer coverage for curable preexisting conditions.

Cost (40%): We compare pet insurance prices using the same pet profiles and for equivalent coverage. We compare quotes qualitatively, meaning that we look at premiums within the context of what owners are getting for the price. We also look at how premiums are adjusted year by year and any discount opportunities that a company offers, like multi-pet or bundling discounts. We also look at the price of wellness.

Customer service (15%): We look at customer reviews from multiple sources to assess how well a pet insurance provider treats their customers and pets. We pay special attention to how quickly claims are paid and patterns of unfair denials. We also see if the company offers any additional ways to ease the claims process, such as direct pay. Additionally, we consider any additional features a provider offers to improve the customer service experience, such as mobile apps or 24/7 vet hotlines.

Unique features (5%): We also look for unique features and benefits that a provider might offer, like coverage for an exotic pet or specific coverage that many of its competitors lack, like coverage for incurable illnesses or coverage for lost pets. Maybe a company has a significant philanthropic division that may resonate with certain customers. Regardless of the specifics, this is where those unique features are acknowledged. Wagmo offers a unique wellness plan that can be purchased independent of its insurance plan.

For more details, check out Business Insider's pet insurance rating methodology.

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FAQs

Holly Johnson

Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."

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