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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.
Wagmo Pet Insurance
All policies are quoted with a wellness plan first. It offers three tiers of coverage, depending on how much preventative protection you want. If you're gearing up to buy pet insurance but want to consider all your options, read on to learn about Wagmo, its plans, and how much you can expect to pay.
Wagmo Pet Insurance Cost
According to
To give you an idea of how much pet health coverage would cost for various dogs and cats, we got quotes for several pet profiles from Wagmo. The prices we were offered for a few different plans are detailed below:
Average Pet Insurance Costs for Dogs
Dogs | $250 deductible, 100% reimbursement | $1K deductible, 90% reimbursement |
3F pit bull mix | $45.68 | $23.22 |
7F dachshund | $62.21 | $31.56 |
1M mixed breed | $39.68 | $20.20 |
Average Pet Insurance Costs for Cats
Cats | $250 deductible, $100% reimbursement | $1K deductible, $90% reimbursement |
2M domestic short hair | $29.31 | $14.95 |
5M Burmese | $34.13 | $17.39 |
4F mixed breed | $30.79 | $15.70 |
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.
More importantly, the $10,000 per-incident cap on all Wagmo coverage could be problematic if your pet becomes sick or injured while coverage is in place. Racking up $10,000 in pet care bills for a single illness or injury isn't out of the question. So you'll want to keep this in mind as you compare premiums from Wagmo to coverage options from competitors.
How to File A Claim With Wagmo
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 wellness claims are reimbursed within 24 hours, whereas insurance claims for illnesses and injuries are typically processed within ten days.
Wagmo Pet Insurance Plans
Wagmo insurance plans can shield you financially if your dog or cat is injured or sick. These plans also let pet owners tailor coverage to their needs and budget with several deductible amounts. For example, Wagmo deductibles can be $250, $500, or $1,000.
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. Further coverage may be available up to $20,000 per year.
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.
A $100,000 lifetime coverage cap also applies to each plan, after which pet parents can no longer get reimbursed for pet care from Wagmo. Unfortunately, Wagmo pet insurance reviews indicate some policies were not renewed due to "too many claims." We're unclear if the pet parent filed multiple claims in one year or reached the lifetime limit. Regardless, it leaves affected pet parents in a pinch to find replacement coverage (all existing conditions will be preexisting). While these strict limits may be financially prudent, it falls below the standard the pet insurance industry has maintained.
It's also worth noting Wagmo plans require a 15-day waiting period for accident and illness benefits and a 30-day waiting period for cancer coverage.
All accident and illness insurance plans from Wagmo are made to 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
What is not covered by Wagmo?
Wagmo lists numerous issues and illnesses it does not cover. Items not eligible for reimbursement from Wagmo include the following:
- Spaying/neutering
- Vitamins/supplements
- Prescription food
- Boarding
- Hydrotherapy
- Pet dental insurance
- Biohazard fees
- Training/obedience class
- Cosmetic surgeries (ear cropping, tail docking, declawing)
- Breeding, pregnancy, or birth expenses
- Preexisting conditions
- Preventative care (unless a wellness care add-on is selected)
Also, Wagmo doesn't cover "curable" preexisting conditions as some other insurers do. Wagmo defines a preexisting condition as "any injury, congenital disorder, or illness that has been prominent and/or identified by a veterinarian prior to signing up for Wagmo Insurance or before the end of the waiting period."
Additional Coverage Options from Wagmo
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:
Value Plan | Classic Plan | Deluxe Plan | |
Cost | $20/month | $30/month | $59/month |
Routine exams | Annually | Annually | Biannually |
Vaccines | 2/yr | 3/yr | 4/yr |
Routine blood work | Annually | Annually | Annually |
Fecal test | Annually | Annually | Annually |
Urinalysis | Not included | Annually | Annually |
Flea, tick, and heartworm | Not included | $100/yr | $200/yr |
Grooming | Not included | $100/yr | $200/yr |
VETalk Chats | Not included | $100/yr | $200/yr |
Dental Care | Not included | Not included | $100 |
FAQs
Does Wagmo pet insurance cover spaying and neutering?
Wagmo does not cover spaying and neutering in its insurance plans or pet wellness plans.
How much does Wagmo cost?
Wagmo says its dog insurance plans start at $13 per month, while cat coverage starts at $9 monthly. However, our internal analysis showed pet medical plans for dogs began at around $20 per month, while plans for cats started at $15 per month for wellness plans. Its insurance plan prices rise quickly as your pet ages.
Does Wagmo pay your vet upfront?
Wagmo does not pay your veterinarian upfront. Instead, you'll pay your veterinarian bills directly. Then you file a claim form, and Wagmo reimburses you. But you can choose any licensed vet in the United States.
Does Wagmo have any waiting periods on coverage?
Wagmo plans have a 15-day waiting period for injuries and illnesses and a 30-day waiting period for cancer claims.
Compare Wagmo Pet Insurance
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 offers plans with unlimited annual and lifetime coverage as well. So you won't face the per-incident or lifetime caps you would see with Wagmo. It's also senior-friendly. So you don't have to worry about switching coverage when your dog needs protection the most. Also note Pets Best lets you customize your coverage with deductibles from $50 to $1,000 and reimbursement at 70%, 80%, or 90%.
We saw many complaints about Wagmo's claims process. Pets Best has complaints about more prolonged waiting times, but overall, customers seemed more pleased. Most importantly, we did not see any mentions of Pets Best refusing to renew policies, and complaints about delayed claims filed on sites like BBB.org were addressed.
Pets Best Pet Insurance Review
Wagmo vs. Healthy Paws Pet Insurance
Healthy Paws also lets you customize coverage with options like a $100, $250, or $500 deductible and reimbursement at 70%, 80%, or 90%. Interestingly, Healthy Paws does not offer a pet wellness plan add-on for its insurance policies. The company believes wellness care can be budgeted for while emergencies and illnesses cannot. So it focuses on coverage for the unexpected. Healthy Paws is one of the US' most popular pet insurance companies for many reasons.
Healthy Paws Pet Insurance Review
Wagmo vs. Figo Pet Insurance
This company also offers plans with varying levels of coverage and premiums to match. For example, you can opt for Figo pet insurance with $5,000 in annual coverage, $10,000 in annual coverage, or unlimited coverage each year. You can also opt for a deductible of $100, $250, $500, or $750 and reimbursement at 70%, 80%, 90%, or 100%. As mentioned, Figo's prices for more comprehensive coverage are similar to what Wagmo charges for its minimal coverage.
If you're considering Figo, we recommend going through Costco (if you already have a membership). Costco members enjoy a discount on Figo coverage with all the same options.
Why You Should Trust Us: How We Reviewed Wagmo
To gather information for this Wagmo review, we analyzed and compared similar pet insurance plans from dozens of providers offering this coverage in the United States. Factors we compared include annual and lifetime limits, per-incident limits, deductibles offered, and company perks. We also compared companies based on wellness plan offerings, when applicable.
In addition to facts gathered from pet insurers, we searched for user reviews and complaints to get a feel for the company's claims process. We rely on independent sites not connected to individual pet insurers to get the most objective perspective. For more details, check out our pet insurance rating methodology.