Wagmo Pet Insurance Review (2023)

Wagmo Pet Insurance Review

Wagmo pet insurance began with pet wellness plans offered in all 50 states. Today, it provides accident and illness pet health insurance as well. Wagmo has many benefits for pet owners, from a great user-friendly mobile app to multiple wellness plans, comprehensive accident and illness coverage, and much more. Keep reading to learn more about if Wagmo is the best pet insurance choice for you and your furry friends. 

Our Wagmo pet insurance review will cover the following topics: 

  • Pros and Cons of Wagmo Pet Insurance
  • Wagmo Plans and Cost
  • Deductibles
  • Preventative Care Limits
  • Coverage Exclusions
  • Plan Customizations
  • Discounts
  • Real User Reviews
  • Company History
  • Frequently Asked Questions

Our Review for Wagmo Pet Insurance 

Every pet insurance provider has its strong and weak points. Continue reading for our in-depth breakdown of Wagmo’s plans and coverage and our quick pros and cons list. 

Pros and Cons of Wagmo Pet Insurance 


  • 10% multi-pet discount
  • Short claim reimbursement period — within 24 hours for wellness plans and around two days for pet insurance plans
  • Wellness coverage can be purchased on its own or as an add-on
  • User-friendly mobile app allows you to submit and track claims easily
  • Offers live chat


  • Pet insurance is only available in 40 states
  • Pets 15 years or older are not eligible for pet insurance
  • Hip dysplasia isn’t covered in pets 6 years old or older

Wagmo Pet Insurance Plans and Coverage 

Wagmo offers one type of pet insurance plan, an emergency vet coverage plan, which helps with the costs of accidents and illnesses. It also offers three types of wellness plans. 

Below, we’ll shed light on typical prices, insurance coverage options, and other features of Wagmo’s plans. 

Wagmo Plans and Costs

Typically, you can expect to pay between $40 and $55 for dog insurance and $20 to $25 for cat insurance. Wagmo’s pet insurance plans all have a lifetime limit of $100,000 in claims over your pet’s lifetime. After $100,000 in claims, you will be on your own. 

However, Wagmo points out that it’s extremely rare for a pet’s lifetime payout to exceed $50,000, so a lifetime limit of $100,000 gives you plenty of breathing room and is considered a generous pet insurance limit by most standards. Some providers offer unlimited lifetime limits. However, others may limit you to only $10,000 a year or $25,000 for your pet’s lifetime. As a whole, Wagmo’s lifetime limit is higher than most and competitive with many pet insurance providers. 

However, we don’t love that Wagmo has an incident limit of $10,000. This means that you can’t be reimbursed for more than $10,000 for a single claim. In most cases, you probably won’t need this much. However, if you’re concerned about your pet having an expensive illness or incident, this may not be ideal for you. 

Wagmo pet insurance will cover things like: 

  • Prescription medications
  • Emergency care visits
  • Hospital stays
  • Virtual, in-home, or in-office care
  • Surgeries
  • X-rays
  • Ultrasounds
  • Chronic conditions
  • Laboratory tests
  • Cruciate ligament events (After six months)
  • CT scans
  • Cancer treatments (After 30 days)
  • Congenital conditions
  • Hereditary conditions
  • Prosthetics and orthopedics
  • Hip dysplasia (After 15 days)
  • End of life veterinary care (euthanasia)
  • Pet ambulance

Samples of Prices for Four Species/Breeds

The following sample prices are based on spayed dogs and cats that are 3 years old, living in Georgia. Keep in mind that these prices will vary greatly depending on your pet’s age, breed, and location. The pet insurance plan prices are based on a $500 annual deductible and 90% reimbursement percentage. The Accident and Illness Plan With Preventative Care sample price is calculated with Wagmo’s classic wellness plan option. 

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $46.03 per month $50.55  per month $30.12 per month $30.12  per month
Accident and Illness Plan With Preventative Care $82.03 per month $86.55  per month $66.12 per month $66.12 per month
Accident and Illness Plan With Vet Fees and Physical Therapy Coverage $82.03 per month $86.55  per month $66.12  per month $66.12 per month


Wagmo offers three different deductible choices for its pet insurance plan: $250, $500, or $1,000. After you’ve hit your deductible, Wagmo pet insurance will pay up to 100% of your vet bill. 

Preventative Care Limits 

With Wagmo, your preventative care plan starts immediately and will help with the costs of things like grooming, vaccinations, regular vet visits, and much more. 

Wagmo offers three wellness plan options: its value plan, classic plan, and deluxe plan. 

Wagmo’s value plan is $20 per month and helps with the cost of routine care, such as exam fees, vaccines, regular blood work, and fecal tests. The classic plan is $36 per month and covers everything the value plan does, along with an extra vaccination and urinalysis. It also provides $100 for flea/tick/heartworm preventatives and grooming costs. 

Lastly, its deluxe plan, which is recommended for puppies and kittens, is available at $59 per month and includes everything in the other plans, along with an additional routine checkup and vaccination. You also get $200 for flea/tick/heartworm preventatives, extra grooming, and dental care. Its dental care coverage includes professional teeth cleaning, anesthesia, and an oral examination, which is a significant benefit for pet parents because many pet insurance providers don’t offer thorough dental coverage. 

Covered Item Value Plan Annual Limit Classic Plan Annual Limit Deluxe Plan Annual Limit
Wellness Exam Once per year Once per year Twice per year
Heartworm Test N/A $100 in heartworm preventatives $200 in heartworm preventatives
Internal Parasite or Fecal Test Once per year Once per year Once per year
Blood work Once per year Once per year Once per year
Vaccines Two vaccines per year Three vaccines per year Four vaccines per year
Total  $350 $650 $1,100

Coverage Exclusions 

During our research, we found that Wagmo has strict bilateral coverage exclusions, meaning that if your pet already has a condition on one side of its body, like a cruciate ligament, then any other developed cruciate ligament on other limbs will be considered a pre-existing condition. 

Wagmo will also not cover the following: 

  • Spaying/neutering procedures
  • Prescription pet food
  • Vitamins and supplements
  • Boarding costs
  • Hydrotherapy
  • Dental surgeries
  • Biohazard fees
  • Training or obedience classes
  • Cosmetic surgeries
  • Breeding, pregnancy, or birth expenses
  • Pre-existing conditions

Plan Customizations

Wagmo has many options to customize your pet insurance plan, including multiple deductible options and annual payout limits. You also have the choice between a 90 and a 100% reimbursement rate.


Wagmo offers a 10% multi-pet discount off its pet insurance plans and the potential to earn an additional 15% discount after a year with no claims at renewal.

Wagmo State Availability

Wagmo wellness plans are available in all states. However, its newer pet insurance is limited and only available in 40 states currently. These excluded states include AK, FL, ID, KY, LA, MN, MO, NM, RI, WA, and Washington D.C.


Wagmo Pet Insurance Reviews

Every pet insurance provider will have positive and negative reviews. To keep our Wagmo pet insurance review well-rounded and neutral, we wanted to include Wagmo customer reviews from both sides for your review. 

“We have the wellness plan for our pup. I submitted my claim for heartworm med reimbursement (which was super easy BTW) at 4:30 pm and was paid at 5:40 pm. AMAZING. Will recommend this plan to all of my pet parent friends.” —Kelly Cipri Stickelmaier, Facebook

“Deceptive business practices.  Makes no sense to purchase a policy from a company who uses deceptive methods to deny legitimate claims.  Horrible.” —Charles Bailey, Facebook

Amazing wellness plan. Have had 3 claims already. They approved them all within 24 hours. The funds were in my bank the next morning.” —Daniel, TrustPilot reviewer

“I HIGHLY recommend WAGMO to any Pet Parent out there. If you’re like me, anytime your fur babies feel a little ill you want to make sure they are receiving the best preventive care but cost is always a lingering factor. With WAGMO, I don’t have to worry about hurting my pockets because they fulfilled all my claims. My fur baby was taken care of and mama was able to buy her little boy a treat! I will be renewing next year. So happy to be a part of the WAGverse! 🤗”

 —Kayla Watson, Facebook

Final Thoughts 

We hope our Wagmo pet insurance review helps you decide whether or not Wagmo is worth it for you and your pet. Wagmo has many benefits, including a great mobile app, multiple wellness plan options, customizable pet insurance plans, and a multi-pet discount. However, if you’re interested in an unlimited plan or concerned about costly incidents, Wagmo may not be the best provider for you. 

Wagmo vs. Competitors

So, how does Wagmo compare to its competition? Let’s look closely at the costs, waiting periods, discounts, and more between Wagmo and other pet insurance providers. 

Factors Wagmo Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $40-$55 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $20-$25 $18-$25 $15 $15-$20 $12 $29
Waiting Period 15 days for accidents and illnesses, 30 days for cancer events 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  10% off 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating N/A A F A+ A- N/A

About Wagmo 

Wagmo was founded in 2018 by Alison Foxworth and Christie Horvath. Both founders began with the dream to start Wagmo and offer affordable, comprehensive wellness plans to pet parents in all states. Today, Wagmo has expanded into accident and illness healthcare coverage which will soon be offered in all 50 states. 

Frequently Asked Questions

What are the advantages of Wagmo‘s pet insurance?

Wagmo has many significant benefits, including its multiple wellness plan options, customizable plans, live chat, mobile app, and multi-pet discount. We especially like Wagmo’s high $100,000 lifetime limit, which is more than what many companies offer.

How do I file a claim with Wagmo?

You can easily file a claim with Wagmo by snapping a picture of your vet invoice on your phone and submitting it through Wagmo’s mobile app.

Does Wagmo offer exotic pet insurance? 

No. At this time, Wagmo only provides insurance for dogs and cats

Does Wagmo cover hip dysplasia?

Yes, but only in pets under 6 years of age, which is an uncommon exclusion among providers who offer hip dysplasia coverage.  

What is a bilateral exclusion?

Bilateral exclusions are exclusions for a disease or condition that typically affects both sides of the body. If your pet already had a bilateral condition and it happens again, it won’t be covered even if it’s on a Wagmo pet insurance policy. 

Does Wagmo cover spaying or neutering?

No, Wagmo’s wellness plans exclude spaying and neutering procedures.  

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.