Wagmo Pet Insurance Review

Wagmo Pet Insurance Review

Wagmo Pet Insurance Review
Pet parents with a 'Wellness First' focus
'Wellness First' puts a good focus on prevention
Lots of available discounts
Up to 100% reimbursement
Insurance plans are not yet available in every state
Newer to the market, so will need to prove out it's coverage claims over time

Our Wagmo Pet Insurance review takes a look at this new product, costs, coverage, and which pets might be best suited for this insurance. We also look at some sample quotes, so you can get an idea about what costs would look like with this insurance provider.

About Wagmo Pet Insurance

Wagmo is an insurance agency that offers pet insurance policies so that pet owners can provide their pets with the best possible medical care without the worry of the vet bill breaking the bank. Wagmo Pet Insurance offers a couple of different plans, including a regular pet insurance policy and a wellness insurance policy. The regular pet insurance policy pays for covered illness and accident claims, while the wellness plan pays for extra veterinary care. Wagmo Pet Insurance may not be available in all states as of yet. Pet owners generally want to check out Wagmo after doing a Wagmo pet insurance review.

Wagmo Pet Insurance Review – Coverage

Pet owners also have the choice of going to any vet they want. After you pay the deductible, Wagmo will pay up to 100 percent on covered services, such as:

  • Emergency visits
  • Lab tests
  • Hospital stays
  • Surgeries
  • Ultrasounds
  • X-rays
  • Prescription medications
  • Hip dysplasia
  • Congenital and hereditary conditions
  • CT scans
  • Cancer treatment
  • Orthopedics and prosthetics
  • Pet ambulance
  • End of life care

Wagmo Pet Insurance offers coverage to all dogs and cats regardless of their age, gender or breed. They do not over pre-existing conditions. The cost for Wagmo pet insurance is based on several factors, including animal, breed, sex, age, coverage chosen and even location. Here are some sample policies and what they might cost.

Wagmo Pet Insurance Costs

The cost for a wellness plan for a two-year old, spayed female German shepherd dog is $20 per month for the value plan, $36 per month for the classic plan and $59 per month for the deluxe plan.

The cost for a basic insurance policy for an eight-year old, unspayed female German shepherd dog is $96 per month with a $500 deductible, $77.64 with a $750 deductible and $65.96 with a $1,000 deductible. For an additional $36, you can add a wellness plan onto this policy.

The cost for a basic insurance policy for a five-year old neutered mixed breed male dog is $57 per month for a policy that pays 100 percent of a bill up to $20,000. This same policy with a $750 deductible is $45, and the $1,000 deductible would cost about $39.

The cost for a basic insurance AND wellness plan for a three-year-old mixed breed cat is $32.73 per month for a policy that pays 100 percent of a bill up to $20,000. This same policy with a $750 deductible is $26.39, and the $1,000 deductible policy would cost about $22.47.

Wagmo Pet Insurance Limits

There is a 15-day waiting period before the plan goes into force and 30 days for cancer. As with all pet insurance companies, there is a limit to what services of which they will and will not pay. The insurance will not cover these services under their basic pet insurance policy.

  • Prescription food
  • Preventive care
  • Spaying/Neutering
  • Dental surgeries
  • Breeding/pregnancy or birth expenses
  • Hydrotherapy
  • Biohazard fees
  • Training and obedience classes
  • Vitamins and supplements
  • Boarding
  • Cosmetic surgery


When you choose an insurance policy for your pet, you can choose between a $500 deductible, $750 deductible and a $1,000 deductible. The deductible is the amount you have to pay before the insurance company pays. For instance, if a policy requires a $500 deductible, and the bill is for $2,000, you would pay the $500, and the insurance company would pay the remaining $1,500 as long as the bill was for covered services. The higher deductible you chose, the lower your premiums will be.

Wagmo Pet Insurance Review – Claims

The claims process is relatively easy and has a fast response time. All you need to do is send a picture of your invoice to the company. Once your claim is submitted to the company, it’s generally processed within 24 hours. The company will notify you when it has been processed, and claims are usually paid within a week.

You have the choice of being paid through bank transfer, instant card payment or paper check. If you choose electronic bank transfer, you can also choose if you wish to be paid through PayPal or Venmo. Any information you want on your pet policy, including claim status, can be found on the customer’s Wagmo dashboard.

Features of a Wagmo Policy

Wagmo Pet Wellness Plans

The basic pet insurance policy is not the only insurance policy Wagmo offers to pet owners. They also offer a wellness plan that covers routine visits to the vet. The wellness plan is offered in three levels:

  • Value – This plan costs about $20 per month and reimburses up to $350 annually. It covers office visits, vaccinations, fecal test and routine blood work.
  • Classic – This Wagmo pet insurance plan is the most popular of the three wellness policies, and it costs about $36 per month and reimburses up to $650. It covers everything the value plan covers plus flea/tick/heartworm ($100), urinalysis and grooming ($100).
  • Deluxe – This Wagmo pet insurance plan costs about $59 per month and reimburses up to $1,100 annually. It covers all the things covered by the value and classic plan plus grooming ($200), flea/tick/heartworm ($200) and up to $100 towards dental care.

Wagmo Discounts

Wagmo also offers discounts, such as promotional coupons, to help pet owners save money on their insurance premiums. It’s important to understand that Wagmo is not just for emergencies. It can also help pay for holistic and preventative care.

Pet owners get a five percent discount on each additional pet they have covered under a Wagmo pet insurance policy. If you do a Wagmo pet insurance review, you’ll be amazed at all the benefits their plans offer to customers.

Wagmo is newer to pet insurance and growing for pet insurance – they offer wellness plans in every state, but make sure to check your state to see if they offer full pet insurance coverage there.

Wagmo Pet Insurance has been reviewed by Sarah Gilbert, Licensed Insurance Broker, June 2021