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Wagmo began by providing stand-alone pet wellness coverages. Today, the insurance agency has expanded its product portfolio to include customizable pet insurance coverages that allow you to pay only for the coverages you need.
Summary: Wagmo provides various options for wellness plans with an addition of pet insurance coverage.
Fees & Coverage
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|HQ||50 W 17th St, Floor 9, New Yor|
|Policy||Illness, Accident, & Wellness Coverage|
|Eligible Pet Age||Min age is 8 weeks, no max age|
|Annual Coverage||Illness and accident is up to $100,000, and Wellness is $350, $650, or $1,100|
|Reimbursement Rate||90% – 100%, after you have met your deductibles|
|Deductible||$250, $500, $750, or $1,000|
|Medical Exam||Not required|
|Restricted States||Wellness plans are available in all states, but Pet insurance is not available in FL, KY, MN, AK, RI|
Wagmo was founded in 2017 by Christie Horvath, who describes herself as a dog-obsessed insurance nerd. Having experienced the pain of footing a $10,000 veterinary bill for her dog, Christie seeks to help other pet parents to save thousands of dollars through affordable pet insurance plans.
The insurance provider offers a unique policy plan based on your budget designed to meet a balance between comprehensive coverage and maintaining low premiums. With a high reimbursement rate and a range of deductibles, the platform offers customer-oriented plans to protect your pet and finances.
Unlike traditional insurance providers, Wagmo does not require a medical examination before enrolling your pet. However, the provider may contact your veterinarian and access your pet’s medical history when the need arises. The platform offers policy plans for eligible dogs and cats.
The minimum enrollment age is 8 weeks. There is no restriction on the maximum age. Although Wagmo’s premiums are relatively low, they may vary based on the following factors:
You can build your plan through Wagmo’s online platform or the mobile app. Simply click on the build my plan icon, and answer a few questions, including the pet’s details and the type of coverage you need. If you are unsure, the platform can recommend a suitable package based on your budget.
The policy offers coverage for a year and needs to be renewed upon expiry.
The insurance provider allows you to take full control of your finances and pet’s health with its customizable policy plans. The costs for purchasing a policy plan include deductibles, reimbursement rates, and annual limits.
Wagmo’s waiting period for illness and accident policy is 15 days and 30 days for cancer. Wellness plans begin immediately.
The provider does not cover pre-existing conditions, but it does not exclude your pet from being eligible for pet insurance plans.
Claim submission is easy and straightforward. You need to click on the ‘Make a Claim’ icon, take a photo of the itemized veterinary bill, and submit it through the online platform or mobile website. The claims department will review your submission and process the payment within 24 hours once approved.
Wagmo’s reimbursements are made through Paypal, bank transfer, paper check, instant card payment, or Venmo. During account sign-up, you are required to select your suitable mode of reimbursement. Wellness claims are processed in-house, while illness and accident claims are handled by a TPA (Third Party Administrator). You can track your claims via the mobile app or contact the support staff in case of any inquiries. Invoices submitted without evidence of payment will be declined.
The insurer’s digital platform houses all your customer support needs. You can contact the support staff through the portal’s chatbox or use the email address provided. You can use the following contacts to get in touch with the support staff:
Although the platform has not listed any phone number on its website, the insurer provides a range of informative blogs and FAQs to address your pet insurance-related questions or concerns.
The National Speciality Insurance Company underwrites Wagmo’s products and policies. The insurer has also received an A rating from AM Best regarding financial stability. A reliable third party processes Wagmo’s insurance claims and reimbursements are made through a safe and secure method.
Wagmo is committed to providing pet parents with the best customizable policies that suit their budgets. The fact that you pay only for what you need helps you save thousands of dollars and protects your finances. The dedicated support staff will work closely with you and personalize your plan to the most affordable premiums. Whether you are looking for a comprehensive plan or a wellness plan, Wagmo can be a promising option.