Wagmo Pet Insurance Review 2024

Wagmo pet insurance offers 100% reimbursement options, vet exam fee coverage and telehealth services. But watch out for lifetime and per-incident coverage limits.
Cassidy Horton
By Cassidy Horton 
Edited by Sarah Schlichter

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Wagmo

Wagmo Pet Insurance
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on Wagmo
NerdWallet rating 

3.5

/5
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on Wagmo

Annual max coverage

$20,000

Reimbursement rates

80%, 90%, 100%

Deductibles

$250, $500, $1,000

Policy highlight

Offers a 100% reimbursement option in most states.

Pros

  • Includes exam fee coverage.
  • 100% reimbursement rate available.
  • Can get wellness claims reimbursed using Venmo, Paypal or a bank transfer.
  • Telehealth service available for wellness plan members.

Cons

  • Plans don’t cover behavioral treatments, supplements, prescription food or alternative therapies.
  • Has annual, lifetime and per-incident coverage limits.
  • Wellness plans don’t include spay/neuter or microchipping coverage.

Wagmo may appeal to those looking for sick vet exam fee coverage or a 100% reimbursement option. However, its maximum annual coverage limit of $20,000 and exclusions for things like behavioral therapies and prescription food could be limiting factors.

About Wagmo pet insurance

3.5

NerdWallet rating 

Wagmo earned 3.5 stars out of 5 for overall performance. With Wagmo, you can buy a stand-alone wellness plan for preventive care expenses, a policy for accident and illness coverage, or a combination of the two.

The company has a 100% reimbursement option in most states and covers veterinary exam fees. Wagmo offers unlimited vet telehealth services for members of its wellness plan, which can cover preventive care services like vaccines, grooming and dental cleaning.

However, Wagmo's lack of an unlimited annual coverage option could offset these benefits for some pet owners. Its accident and illness plans have quite a few exclusions, and wellness plans don’t cover spaying, neutering or microchipping.

Pros

Includes exam fee coverage.

100% reimbursement rate available.

Can get wellness claims reimbursed using Venmo, Paypal or a bank transfer.

Telehealth service available for wellness plan members.

Cons

Plans don’t cover behavioral treatments, supplements, prescription food or alternative therapies.

Has annual, lifetime and per-incident coverage limits.

Wellness plans don’t include spay/neuter or microchipping coverage.

Plans and coverage

Wagmo offers wellness plans and an accident and illness policy, which you can buy separately or together.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Accident and illness

Wagmo’s standard pet insurance plan covers:

  • Exam fees, hospitalization, surgery and treatment for covered accidents and illnesses, including cancer.

  • 50% of prescription medication costs for covered conditions.

  • Lab tests, CT scans, X-rays and ultrasounds. 

  • Hereditary and congenital conditions.

  • End-of-life care. 

  • Up to $100 per policy year for emergency ambulance rides.

Wellness plan

Wagmo’s wellness plans cover up to $1,100 per year for preventive care. You can choose among three levels of coverage — Value, Classic and Deluxe. Depending on the plan, reimbursement may be available for:

  • Wellness office visits.

  • Vaccines.

  • Routine blood work.

  • Fecal and urine tests.

  • Flea, tick and heartworm prevention.

  • Grooming.

  • Dental cleaning.

  • VETalk telemedicine support and one-on-one behavioral training.

What’s not covered

Wagmo’s accident and illness plan doesn’t cover:

  • Behavioral treatments.

  • Prescription food, vitamins or supplements, even if prescribed by your vet.

  • Alternative therapies, including acupuncture, chiropractic, physical therapy or hydrotherapy.

  • Conditions arising from fighting, neglect, guarding, racing or breeding. 

  • Preventive care, including vaccines, wellness exams, and spaying or neutering. 

  • Grooming or grooming supplies, unless your vet declares them medically necessary.

  • Cosmetic or elective surgery, including tail docking, ear cropping and dew claw removal. 

  • Treatment of conditions for which your vet previously advised preventive care that you didn’t provide.

  • Three or more anesthetic removals for ingested objects in one policy period.

  • Treatment of cruciate ligament problems if your pet has had prior untreated cruciate ligament injuries to any leg before the start of the policy or within the past six months.

  • Treatment of intervertebral disc disease if your pet had the condition in the same or neighboring regions of the spine before the start of your policy.

  • Treatment related to your pet repeatedly ingesting toxic substances or getting poisoned from the same activity if it has happened at least twice within the previous 18 months.

Wagmo’s wellness plan doesn’t reimburse for:

  • Treatment for any accident or illness.

  • Spay or neuter surgery.

  • Microchipping.

  • Deworming.

Coverage options

Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you for vet expenses. Wagmo has three deductible options: $250, $500 and $1,000 per year. Wellness plans don’t have a deductible.

Reimbursement amounts: After you pay your deductible, the insurance company will multiply your remaining balance by your reimbursement percentage to determine how much it will pay. You can have Wagmo reimburse 80%, 90% or 100% of your vet bills in most states. In California, 80% is the maximum reimbursement percentage.

Wagmo applies your deductible to your vet bill first, then your reimbursement percentage. Say you have a $1,000 vet bill, a 90% reimbursement rate and a $250 deductible. To determine your claim payout, Wagmo would first subtract your $250 deductible, then reimburse 90% of what’s left over ($750 x 90% = $675). This differs from some other pet insurers that apply the reimbursement rate before your deductible, which ends up reducing your payout.

Coverage limits: Wagmo generally has an annual coverage limit of $20,000, a per-incident limit of $10,000 and a lifetime limit of $100,000.

Restrictions and waiting periods

Age restrictions: Pets can usually enroll in a Wagmo accident and illness plan starting at 6 to 8 weeks of age. A maximum enrollment age of 15 years may apply. Once enrolled, you can continue to renew your policy no matter your pet’s age in most states. There are no age restrictions for wellness coverage.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. In most states, Wagmo’s waiting periods are 15 days for accidents and illnesses, 30 days for cancer treatments, and six months for cruciate ligament issues. Wagmo will waive the cruciate ligament waiting period if your pet has a vet exam within the first 30 days of your policy and the vet confirms there are no pre-existing knee conditions. Wellness plans have no waiting period.

Sample rates

The cost of Wagmo pet insurance will depend on where you live and your pet’s age and breed. Below are sample monthly rates from Wagmo for six common dog breeds at ages 2 and 8. Our sample dogs lived in Katy, Texas, and had accident and illness coverage with a $250 deductible, $20,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

Breed

Age 2

Age 8

French bulldog

$96

$144

German shepherd

$66

$114

Golden retriever

$57

$98

Labrador retriever

$57

$98

Medium mixed-breed dog

$55

$82

Poodle

$63

$108

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

Breed

Age 2

Age 8

Devon rex

$36

$48

Domestic shorthair

$36

$48

Exotic longhair

$36

$48

Maine coon

$36

$48

Persian

$36

$48

Ragdoll

$36

$48

Discounts

Wagmo offers a multipet discount of up to 10%.

State availability

Wagmo pet insurance is not available in Florida. Wellness plans are available across the U.S., including Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Consumer experience

Website: Wagmo’s website lets you request a free quote, live chat with customer support, view your account and explore FAQs. But we found some discrepancies between what’s stated on Wagmo’s website and the information in its sample policy. When in doubt, reach out to customer support for answers.

App: The Wagmo mobile app is available for iOS and Android. You can use it to submit claims, upload medical records, chat with VETalk telehealth and track remaining wellness benefits.

Claims: Wagmo processes most wellness claims in 24 hours and most accident and illness claims within two weeks. For insurance claims, you can get reimbursed through a bank deposit, PayPal or check. For wellness claims, you can get reimbursed through a bank deposit, PayPal or Venmo.

Customer service: You can speak to Wagmo customer service by live chat, by phone at 855-836-8785 or by email at [email protected]. Phone support hours are Monday through Friday from 10 a.m. to 5 p.m ET. Live chat support hours are Monday through Friday from 9:30 a.m. to 5:30 p.m. and Saturdays from 11 a.m. to 6:30 p.m. ET.

Other pet insurance companies to consider

Not ready to make a decision? You may be interested in these other pet insurance companies:

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Frequently asked questions

Wagmo doesn’t cover spay or neuter surgery under its pet insurance or wellness plans. Learn more about coverage for spaying or neutering from other pet insurers.

Wagmo will cover routine dental cleanings if you have Deluxe Wellness Plan coverage, which is the most expensive tier. This plan reimburses up to $100 per year for professional teeth cleaning, including anesthesia and an oral exam. If you purchase a Value or Classic Wellness plan, you won’t have dental cleaning coverage. Learn more about pet dental insurance.

Wagmo covers hip dysplasia for pets under age 6 as long as it’s not a pre-existing condition and the required waiting period has ended. The waiting period for hip dysplasia and cruciate ligament issues is usually six months, but Wagmo may waive it if your pet has an orthopedic exam within the first 30 days of policy enrollment.

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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