Wagmo Pet Insurance Review 2024: Multiple Options For Wellness Plans

Lisa Scott

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.

Overall rating


Summary: Wagmo provides various options for wellness plans with an addition of pet insurance coverage.

Wagmo Pet Insurance

wagmo pet insurance logo


Coverage Up To

90% - 100%

Reimbursement Rates



Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • High incident limits 
  • Easy to navigate mobile app
  • Visit a vet of your choice


  • Long waiting periods on accident policy

Best For

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements


HQ50 W 17th St, Floor 9, New Yor
PolicyIllness, Accident, & Wellness Coverage
Term LengthAnnual
Eligible Pet AgeMin age is 8 weeks, no max age
Annual CoverageIllness and accident is up to $100,000, and Wellness is $350, $650, or $1,100
Reimbursement Rate90% – 100%, after you have met your deductibles
Deductible$250, $500, $750, or $1,000
Medical ExamNot required
Restricted StatesWellness plans are available in all states, but Pet insurance is not available in FL, KY, MN, AK, RI

In depth review on Wagmo Pet Insurance

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.  

Wagmo Pet Insurance is best for

  • Customizable policies: You need to answer a few questions through Wagmo’s digital platform and provide your budget. The provider works with you to select the most suitable plan that meets your budget. You only pay for the coverage you need.
  • Variety of wellness plans: Wagmo offers a variety of wellness plans with affordable monthly payments to help pet parents save more. There are no waiting periods on wellness plans. 
  • Fast reimbursements: The insurance provider processes your claims as soon as you submit them (within 24hrs). Once approved by the claims department, your claims are reimbursed immediately. 

Wagmo Pet Insurance benefits

  • High incident limits: The provider covers up to $10,000 per incident and lifetime coverage of $100,000, which is relatively high compared to other providers. This allows pet parents to save more and take full charge of their pet’s health. 
  • Easy to navigate mobile app: The Wagmo app is available both on Android and iOS. Pet parents can submit their claims or get in touch with the support staff through the app. 
  • Visit a vet of your choice: Wagmo is widely recognized by Veterinarians across the US. You can visit any registered veterinarian of your choice and submit your claims for reimbursement. 

Wagmo Pet Insurance drawbacks

  • Long waiting period on accident policy: The provider’s waiting period on the accident policy is 15 days. Most providers offer waiting periods between 1 and 3 days on accident policy. 

Policy application


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:

  • Pet Gender
  • Pet Type
  • Type of Breed
  • Age
  • Size
  • Deductibles
  • Location

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. 

Fees and coverages


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. 

  • Deductibles: $250, $500, $750, and $1,000
  • Reimbursement rates: 100%
  • Coverage limit: Illness and accident are $10,000 per incident and come with a $100,000-lifetime limit. This implies that Wagmo will reimburse you fully for the veterinary costs up to but not exceeding the lifetime limit throughout your pet’s life. Wellness covers up to $350, $650, or $1,100.

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. 

Customer support


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: 

Email: or for general inquiries.

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. 

Safe and secure


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. 

The insurance provider is also licensed by relevant state authorities to operate in the US. It also offers a privacy policy that guides information collection to protect your data.

Is Wagmo Pet Insurance right for you?

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.