Wagmo Pet Insurance Review

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Contributor, Benzinga
October 6, 2022
Overall Rating:
securely through Wagmo's website

Wagmo offers pet insurance plans that cover dog and cat injuries and illnessesas well as a selection of wellness plans that cover routine care, like grooming and annual vet visits. Wagmo focuses on offering its users a straightforward, and customizable way to explore pet insurance and pet wellness plans; they are one of the few providers that offer Wellness plans individually from Insurance plans. Most pet owners will be able to sign up for a plan in just a few minutes.

Wagmo’s insurance policies include up to 100% coverage for your pet’s vet bills in the event of an emergency or illness. Policy deductibles are flexible, and customers can easily balance costs and coverage online.

Best For
  • Dog and cat owners
  • Pet owners looking for customizable coverage
  • Pet owners who need robust wellness protections
  • Coverage for up to 100% of emergency vet bills
  • Easy to buy coverage online
  • Short 15-day waiting period for emergency insurance coverage
  • Annual, lifetime and per-incident coverage limits can be confusing

Wagmo Ratings at a Glance

Pet Insurance Product Offering
Customer Service
Mobile App
User Benefits
User Experience

Wagmo Pet Insurance Product Offering

Wagmo offers both emergency insurance coverage and a variety of preventative wellness plan options. Pet insurance operates similarly to health insurance for humans, helping you cover the cost of veterinary bills that you incur for your pet. Like some other pet insurance providers, Wagmo offers a variety of options to adjust your coverage levels, deductible and lifetime cap on benefits. This process allows you to balance inclusions and price, outfitting you with a policy that covers only what you need at a price you can afford.

Though Wagmo currently only offers policies for cat insurance and dog insurance, the company’s unique selection of wellness plans can make customizing coverage easier. Take a closer look at Wagmo’s insurance plan choices and what’s covered on each.

Emergency Insurance

Wagmo offers one emergency insurance plan for both cats and dogs. Some of the inclusions you’ll find on the emergency insurance plan are:

  • Prescription medications (50% of the cost)
  • 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 (not covered on pets over 6 months old)
  • End-of-life care (euthanasia)
  • Pet ambulance (maximum benefit of $100)

No pet insurance provider will include every situation under its coverage. Some of the things not included on your Wagmo pet insurance policy include:

  • Spaying or neutering
  • Vitamins and supplements
  • Prescription food
  • Boarding
  • Hydrotherapy
  • Dental surgeries
  • Biohazard fees
  • Training and obedience class
  • Cosmetic surgeries (ear cropping, tail docking, declawing)
  • Breeding, pregnancy or birth expenses
  • Pre-existing conditions
  • Preventative care (though you can add coverage with a Wellness plan)

As you shop for pet insurance plans, you’ll notice that there are a variety of expenses and coverage limitations you’ll need to be aware of as the policyholder. When you sign onto a Wagmo pet insurance policy, you’ll first select your deductible. The deductible is the amount of money you must contribute toward your pet insurance claims. You need to meet your deductible once per year, after which your pet insurance company will cover the predefined percentage of care costs. 

Wagmo offers $250, $500 and $1,000 deductible options on its emergency plans. Plans with high deductibles start at just $1 per day, so signing onto a policy with a higher deductible will help you save money on premiums.

You’ll also choose between two coinsurance percentages. Your coinsurance is the percentage of your bill you are responsible for paying after you’ve met your deductible. For example, if you receive a $1,000 vet bill and you have a policy coinsurance percentage of 25%, it means that you will need to contribute $250 toward this bill. Your insurance provider will pick up the remaining $750. 

Wagmo offers policies with 10% coinsurance as well as no coinsurance. While policies with 100% coverage are more expensive than policies with coinsurance, this unique benefit might be right for pet owners looking for the most comprehensive coverage. 

Wagmo insurance policies do not include any type of coverage for pre-existing conditions, which include symptoms that were present at the time when you sign up for your insurance. Your Wagmo insurance policy will include a waiting period, during which you cannot use your benefits towards your vet bills. Waiting periods prevent you from signing onto a policy after your pet has already been injured or falls ill.

Wagmo’s emergency pet insurance policies include a 15-day waiting period for accidents and illness coverage and a 30-day waiting period for cancer treatments. These waiting periods do not apply to preventive services — so if you do opt to add wellness coverage to your insurance, you can begin using your benefits immediately.

Like many other pet insurance policy providers, Wagmo does not offer unlimited coverage on its plans. Claims are limited to $1,000 per incident and $100,000 over the course of your pet’s lifetime. This means that Wagmo will not provide you with any reimbursement beyond $1,000 per individual incident or event and $100,000 in total. Wagmo’s policies also include $20,000 annual coverage limitations.   

Wellness Plans

While most pet insurance plan providers only offer one option for preventive care coverage, Wagmo offers three levels of wellness coverage. This can be beneficial if you’re looking for higher coverage for a puppy or kitten — and can help you save money by avoiding paying for benefits you don’t need. Wagmo’s wellness insurance coverage options are as follows:

PlanValue PlanClassic PlanDeluxe Plan
Inclusions1 routine exam2 vaccinations1 routine blood work test1 fecal matter test1 routine exam3 vaccinations1 routine blood work test1 fecal matter test1 urinalysis$100 toward flea, tick and heartworm prevention$100 toward grooming expenses2 routine exams4 vaccinations1 routine blood work test1 fecal matter test1 urinalysis$200 toward flea, tick and heartworm prevention$200 toward grooming expenses$100 toward dental treatments and services
Price$20 per month$36 per month$59 per month

You may begin using Wellness Plan benefits as soon as you sign onto your plan. 

Customer Service

Wagmo offers customers multiple methods that they can use to reach its customer service team.

  • Over the phone: To contact Wagmo’s customer support team over the phone, call 855-836-8785. Customer service is available over the phone from 10 a.m. to 5 p.m. EST Monday through Friday.
  • Via email: You can contact Wagmo over email by sending a message to support@wagmo.io. You can also submit a contact request form here.
  • Interactive chatbot: If you have a common inquiry and you don’t think that you need to contact a representative directly, you can use Wagmo’s interactive chatbot to quickly sort through common inquiries. Chatbot service is available 24/7 online.

Overall, Wagmo’s customer service team enjoys positive online customer reviews. In particular, multiple reviews highlight the friendliness and competence of Wagmo’s representatives. This can be a comforting bonus if you’re buying pet insurance for the first time and you’d like a responsive customer service team standing by. 

Mobile App

Wagmo’s mobile offering is comprehensive and provides users with an exceptionally easy way to manage their policy or file a claim. As a Wagmo customer, you can file a claim by simply snapping a photo of your bill and uploading it. If you’re the type of pet owner who finds themselves misplacing physical documents, the Wagmo app can help you stay organized by filing a claim from the palm of your hand. The Wagmo app is available as a free download for both Android and iOS users. 

User Benefits

Wagmo offers its users a number of unique benefits over other pet insurance providers. The following features are a few of the insurer’s most notable details:

  • 100% reimbursement option: Wagmo policies are available with 90% and 100% reimbursement percentages, which means you can skip the copayment altogether if you prefer.  
  • Mobile claims: If you’re a pet owner on the go, you’ll appreciate Wagmo’s streamlined mobile app, which makes claims reporting easy and convenient. Beginning an insurance claim is as easy as entering a few details and snapping a photo with your smartphone.
  • Alternate reimbursement options: If you prefer to have your reimbursement sent to an online payment account instead of your bank account, Wagmo allows you to choose PayPal or Venmo deposits. This can be helpful if you don’t have an active checking account or if you’re in the process of moving to a new service provider.  

User Experience

One of the biggest benefits of Wagmo’s platform is its use of insurtech features that streamline the application and claims process. Wagmo’s application process is straightforward and easy to understand, with policy inclusions and limitations clearly defined before purchase. Most pet owners will be able to get a quote in two minutes or less.

Wagmo also offers an exceptionally simple claims submission process. Wagmo allows you to submit a claim online or over the phone — you can even submit directly through the app. Visit any veterinarian you’d like (Wagmo’s policies don’t have coverage networks) and keep a copy of your itemized bill. Snap a photo of your receipt proving that you’ve paid the bill, wait on approval and see your refund deposited directly to your bank account. Wellness claims are paid out within 24 hours, while it may take up to two weeks to see your reimbursement from a pet insurance claim. 

Wagmo Versus Competitors

While Wagmo provides wellness and emergency veterinary services, it isn’t the only company providing pet insurance policies in the United States. Competitors like Geico, Nationwide Mutual Insurance Co. and the American Society for the Prevention of Cruelty to Animals (ASPCA) also offer comprehensive pet insurance policies that can help you cover the cost of accident and wellness treatments for your pets. 

Benzinga offers insights and reviews on the following pet insurance providers. Consider continuing your search for the best pet insurance policy using a few of the links below. 

  • Wagmo
    Best For:
    securely through Wagmo's website
  • Lemonade Pet Insurance
    Best For:
    Top-rated pet insurance
    securely through Lemonade Pet Insurance's website

    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

  • Pumpkin Pet Insurance
    Best For:
    Families with multiple pets
    securely through Pumpkin Pet Insurance's website

    Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.


Wagmo offers an easy and convenient way to insure your pet for as little as $1 per day. Most pet parents will be able to sign onto an insurance policy in just a few minutes — Wagmo’s application is so straightforward, you can even complete it on your phone. Wagmo offers injury and illness coverage with $20,000 annual limits and flexible deductible and copayment options. Policies include coverage of up to 100% of your vet expenses, which is rare in the pet insurance industry. If you’ve been putting off buying pet insurance, a no-nonsense policy from Wagmo might be worth considering. 

Frequently Asked Questions


Does Wagmo cover medication?


Wagmo covers prescription medications prescribed to your pet after an accident or a visit to your local emergency veterinary clinic. However, policies only cover 50% of prescription medication costs after you have met your deductible, which varies by plan choice. Wagmo does not cover any type of over-the-counter medication or medication that is not deemed medically necessary for your pet. You can add coverage for medications relating to flea and tick prevention for an additional fee.


How does Wagmo make money?


Wagmo is a pet insurance provider that makes money by offering safeguard policies to pet owners. Like other pet insurance companies, Wagmo makes money by selling pet insurance policies to pet owners to provide them with peace of mind in exchange for a manageable monthly premium.


How much does Wagmo cost?


Wagmo costs vary depending on the specifics of your pet insurance application. As an example, a policy for a 2-year-old golden retriever with a $500 deductible, 90% coverage for your expenses and up to $20,000 in lifetime coverage was quoted at a price of $29.69 per month. Be sure to get your own custom quote using the links above to learn about specific pricing.


Does Wagmo cover pre-existing conditions?


No, Wagmo does not cover any type of pre-existing conditions that show symptoms before the effective date of your policy. This includes any congenital anomalies or disorders that were present at the time of your pet’s birth.

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About Sarah Horvath

Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.