Wagmo Pet Insurance Review 2025

About Wagmo pet insurance

Wagmo earned 3.5 stars out of 5 for overall performance.

With Wagmo pet insurance, 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.

» MORE: The best pet insurance companies

Wagmo pet insurance plans and coverage

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

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 have three levels of coverage to choose from — 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.

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

» MORE: What does pet insurance cover?

What's not covered

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

• Pre-existing conditions.

• 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.

Wagmo plan 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 pet insurance 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.

Wagmo pet insurance 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.

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.

Wagmo pet insurance discounts

Wagmo offers a multipet discount of up to 10%.

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, but most accident and illness claims may take longer. 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 support@wagmo.io.

Other pet insurance companies to consider

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

• See all of NerdWallet’s pet insurance reviews

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