Wagmo Review (2024)

+ Provides option for 100% reimbursement
+ Has three wellness plan options
+ Offers a 10% multi-pet discount and 15% off if you go one year without filing claims

– Unavailable in Alaska, Florida, Kentucky, Minnesota and Rhode Island
– Takes up to two weeks to to reimburse claims once approved

Wagmo offers one plan covering accidents and illnesses, including the following care:

• Cancer treatments
• CT scans
• Emergency vet visits
• End-of-life care
• Hereditary and congenital conditions
• Hip dysplasia
• Hospital stays
• Lab tests
• Prescription medications
• Prosthetics and orthopedics
• Surgeries
• Ultrasounds
• Virtual, in-home or in-office care
• X-rays

Wagmo Pet Insurance has a 15-day waiting period to file insurance claims related to accidents and illnesses and a 30-day wait for cancer treatments. It has a $100,000 pet lifetime limit in claims and up to $10,000 per incident.

Wagmo also offers three options for add-on wellness coverage — a standout feature from competitors, which typically only have one or two.

Here’s what each tier provides:

• Value Plan: The Value Plan includes up to $350 reimbursement per year for covered expenses. Coverage includes one routine wellness exam, two vaccines, one round of routine blood work and one fecal test per year. This plan costs an additional $20 per month when added to your base policy.
• Classic Plan: The Classic plan reimburses up to $650 per year for covered wellness costs. Coverage includes one routine wellness exam, three vaccines, one round of routine blood work, one fecal test and one urinalysis per year, plus $100 for flea/tick/heartworm medication and $100 for grooming. This plan costs an additional $36 per month.
• Deluxe Plan: The Deluxe Plan reimburses up to $1,100 for covered expenses. Coverage includes two routine wellness exams, four vaccines, one round of routine blood work, one fecal test and one urinalysis annually, plus $200 for flea/tick/heartworm medication, $200 for grooming and $100 for dental care. This plan costs an additional $59 per month.

Wagmo’s Exclusions

Wagmo pet insurance doesn’t cover the following expenses and care:

• Biohazard fees
• Boarding
• Breeding, pregnancy or birth expenses
• Cosmetic surgeries, such as ear cropping, tail docking or declawing
• Dental surgeries
• Hydrotherapy
• Preexisting conditions
• Prescription food
• Preventive care outside of a wellness plan
• Spaying or neutering
• Training classes
• Vitamins and supplements

To better understand what is and isn’t covered under Wagmo’s pet insurance, review a sample policy. 

Plan Customizations

Unlike many providers, Wagmo doesn’t offer options to customize your annual limit, instead capping coverage for all policies at $20,000 per year. However, the company does allow you to adjust your annual deductible and reimbursement rate. It also offers an option for 100% reimbursement.

• Deductibles: $250, $500, $1,000
• Annual limits: Up to $20,000
• Reimbursement rates: 90%, 100%

Your pet insurance premium depends on your pet’s age, breed and location. We recommend getting a quote using Wagmo’s online quote tool. Below are some sample monthly premium quotes we gathered for a Wagmo pet insurance policy with a 90% reimbursement rate and $250 deductible.

We read more than 100 Wagmo reviews to get an understanding of customers’ experiences with the provider. Overall, the feedback was mixed. Some customers cited a consistently positive claims experience, while others reported that their claims were often denied unexpectedly. 

Here’s a sampling of customer reviews from the Better Business Bureau (BBB) and Trustpilot:

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

“I bought the wellness plan, submitted a claim, and they paid quickly. I was happy. Today, I submitted another wellness claim, and it was rejected. I went to cancel the policy and they told me it would be a $200 cancellation fee.” —Scott via Trustpilot

“We have been subscribers and loyal customers since 2019.” —Anonymous via BBB

“My policy was canceled after a year because I actually filed claims with them and they had to ‘pay me too much money.’” —Anonymous via BBB

We reached out to Wagmo about customer complaints, but the provider declined to comment.

Here’s how Wagmo compares to other pet insurance providers based on our research. See our methodology below. 

Wagmo is worth considering as a pet insurance provider, especially if you’re interested in covering your healthy pet’s wellness expenses. While the company’s accident-and-illness plan is comparable to other insurers, it stands out for its three tiers of preventive coverage —  more options than most providers offer.

We recommend getting a quote from Wagmo to compare its coverage and pricing to other providers. We also suggest reading customer reviews and speaking to a representative to get a sense of their quality of service.