Wagmo Pet Insurance Review [2024]: Wellness And Emergency Care For Your Fur Pet

Our fur babies are part of the family, and they deserve to get the best care possible. We like that Wagmo offers wellness programs to help you pay for routine care along with traditional pet insurance that covers illnesses and injuries that happen unexpectedly.

Wagmo doesn’t cover alternative treatments, however, which may not be a good fit for some pet owners. It also has a lifetime cap of $100,000 on coverage.

Here’s our review of Wagmo pet insurance so you can determine whether Wagmo is a good fit for you and your furry loved ones.

Key takeaways

• Wagmo offers wellness plans and pet insurance.
• You can use any veterinarian you want.
• You can purchase the coverages separately or together.
• Insurance claims are reimbursed up to 100% after the deductible is paid.
• Wagmo offers three wellness plans that differ in coverage. The Classic plan is the most popular among customers.
• Wagmo doesn’t cover alternative and holistic treatments.

Wagmo: Is it worth it?

Pros	Cons
Wellness plan claims are reimbursed within 24 hours Insurance plan claims are reimbursed within two weeks You can use any vet Reimburses up to 100% of expenses after the deductible is paid	Doesn’t cover alternative and holistic treatments Insurance has reimbursement caps of $10,000 per incident and $100,000 for the pet’s lifetime. Wellness plans have reimbursement caps
Our verdict: Wagmo is a good option for pet care coverage if you like being quickly reimbursed for what you spend at the veterinarian. However, Wagmo’s wellness plans and insurance coverage have caps on how much will be reimbursed. Also, if you prefer seeking alternative and holistic treatments for your pet, Wagmo isn’t the best bet because it doesn’t cover those treatments.

What is Wagmo?

Wagmo is a company that provides pet wellness plans and pet insurance for emergency care coverage. The New York-based company was founded in 2017 by Christie Horvath and Ali Foxworth, two former investment company employees passionate about pets.

Wagmo’s pet wellness plans cover routine and preventative care for dogs and cats. Services covered with these wellness plans include vaccinations, wellness exams, blood work, fecal tests, flea/tick/heartworm medication, grooming, and dental care, including teeth cleaning. Coverage is available in all 50 U.S. states.

Wagmo pet insurance covers unexpected illnesses and injuries for your cat or dog. Some covered incidents include prescription medications, in-home care, surgeries, x-rays, cancer treatments, hip dysplasia, end-of-life care (euthanasia), and more.

Pet parents can choose to get a Wagmo wellness plan for their pet or a pet insurance policy, or they can carry both plans.

How does Wagmo work?

You can use Wagmo’s pet wellness plans and pet insurance at any veterinarian. There is no specific network of preferred providers.

Wagmo's wellness coverage works on a reimbursement basis. After your pet is treated, you pay the vet or groomer out of pocket and then submit a picture of your receipt to Wagmo for reimbursement. Wagmo processes wellness claims within 24 hours and reimburses you via bank deposit, Venmo, or PayPal.

A third-party administrator handles Wagmo insurance claims, so reimbursement takes a little longer than for wellness claims. Insurance claims are processed within one week. The company will notify you when you submit your claim and when it is finalized. You can be reimbursed via bank transfer, card payment, or paper check.

What coverage does Wagmo offer?

Wagmo’s wellness plans cover preventative medicine like routine yearly exams and vaccinations, while Wagmo’s pet insurance covers unexpected and emergency care for your pet. You can choose to enroll in one or both types of coverage.

All Wagmo plans have limits to how much they cover per year or incident, so you should be mindful of those limits before you enroll.

Pet insurance

Wagmo’s pet insurance covers the cost of unexpected illnesses and injuries for your dog or cat. The insurance has a maximum reimbursement limit of $10,000 per incident and up to $100,000 over the pet’s lifetime. Unlike many other pet insurance plans, it doesn’t have an annual limit.

Wagmo pet insurance does impose waiting periods for filing claims. For most accidents and illnesses, the waiting period is 15 days. If your pet needs cancer treatments, the waiting period is 30 days.

Wagmo pet insurance plans start at $13 per month for dogs and $9 monthly for cats. The cost of Wagmo pet insurance depends on the deductible you choose as well as other factors, such as the breed of your pet, its age, and the general cost of care in your geographic location.

An annual deductible is the amount you pay out of pocket before the insurance kicks in. With a low deductible, like $250, your monthly premium will be higher. On the flip side, if you opt for a higher deductible, like $1,000, you’ll save money on your monthly costs.

After you meet your deductible, Wagmo reimburses up to 100% of the vet bill. Covered injuries and illnesses include:

• Emergency vet visits
• Virtual, in-home, or in-office care
• Hospital stays
• Surgeries
• X-rays
• Ultrasounds
• CT scans
• Lab tests
• Cancer treatment
• Hereditary and congenital conditions
• Prosthetics and orthopedics
• Hip dysplasia (for pets under 6 years old)
• End of life care (euthanasia)
• Pet ambulance
• Prescription medication (the first 50%)

Pet wellness

While Wagmo’s pet insurance covers emergencies, the company’s wellness plans cover a pet’s routine preventative care necessary to keep them healthy. There are three wellness plans to choose from, which differ in price. All plans cover annual routine exams, at least two vaccines, routine blood work, and an annual fecal test.

There are no waiting periods for Wagmo’s wellness plans, so you can start using them and get reimbursed for eligible expenses as soon as you sign up.

The Wagmo wellness plan options are:

Value plan: Designed for healthy pets who just need an annual check-up with their vet. This plan costs $20 per month (or $240 per year) and will reimburse you up to $350 per year for the following covered expenses:

• One routine exam
• Two vaccines
• One routine blood work session
• One fecal test

Classic plan: This is Wagmo’s most popular wellness plan. For $39 per month ($468 per year), Wagmo will reimburse you up to $650 per year. Covered expenses include everything the Value plan offers plus:

• A third vaccine
• One urinalysis
• $100 in flea/tick/heartworm medication
• $100 for grooming
• Six VETalk chats about pet health per year

Deluxe plan: This plan is designed for fur babies that need extra attention or more trips to the groomer and dentist. It costs $59 per month ($708 per year) and reimburses up to $1,100 annually. Covered expenses include everything in the Classic plan plus:

• One additional exam per year
• A fourth vaccine
• An additional $100 in flea/tick/heartworm medicine
• An additional $100 for grooming
• $100 for dental care
• 24 VETalk chats per year

What isn’t covered by Wagmo?

Wagmo pet insurance doesn’t cover pre-existing conditions that have been prominent or identified by a veterinarian before you signed up for the insurance or before the end of the waiting period.

Wagmo pet insurance also doesn’t cover:

• Spaying/neutering
• Vitamins/supplements
• Prescription food
• Boarding
• Hydrotherapy
• Dental surgeries
• Biohazard fees
• Training/obedience class
• Cosmetic surgery (ear cropping, tail docking, declawing)
• Breeding, pregnancy or birth expenses
• Preventative care
• Alternative or holistic therapies such as acupuncture, chiropractic, homeopathic, and physical therapy

For the Wagmo wellness plans, each of the three levels has a maximum amount it will reimburse you each year for the covered expenses. You’ll have to pay the rest out of pocket if you spend more than those amounts.

The maximum reimbursement on the Wagmo wellness plans are:

• Value plan: up to $350 each year
• Classic plan: up to $650 per year
• Deluxe plan: up to $1,100 per year

How to get started with Wagmo

It’s easy to sign up for Wagmo pet insurance or wellness plans on the Wagmo website. In the quote process, you’ll need to provide the following information:

• Your pet’s name
• If your pet is a dog or cat
• If your pet is a male or female
• The pet’s birthdate
• The pet’s breed
• Whether they are neutered
• What type of coverage you’re interested in (wellness or insurance)

Once you’ve entered all the necessary information, Wagmo will give you a price quote for insurance cost based on the options you choose. You can select a deductible of $250, $500, or $1000, and choose whether you want a reimbursement rate of 90% or 100%. Choosing 90% will lower your monthly premium but also increase the amount you’ll have to pay out of pocket.

If you want to insure more than one pet, Wagmo offers a 5% multi-pet discount. You can also get one month free on a Wagmo wellness plan if you pay the whole year upfront rather than monthly.

Alternatives to Wagmo: Healthy Paws and Figo

If the coverage offered by Wagmo’s wellness or insurance plans doesn’t quite fit what you are looking for in pet insurance, other pet insurance providers may be a better fit. Healthy Paws and Figo are two of the best pet insurance companies available.

Healthy Paws pet insurance may be the choice for you if you need coverage for your pet that doesn’t have a per-incident or lifetime limit. With Health Paws, you get unlimited coverage for your pet's illnesses. Healthy Paws also covers alternative treatments like chiropractic care, physical therapy, or acupuncture.

Check out our Healthy Paws Pet Insurance review.

Figo pet insurance also doesn’t have a cap on its claim payments. Unlike many pet insurance plans out there, Figo won’t deny a pet coverage due to its old age. Figo also covers wellness and preventative care as well as holistic and alternative treatments.

Visit Figo for more information.

FAQs about Wagmo

Wagmo review: Bottom line

It’s nice that Wagmo offers its wellness plans separate from its pet insurance because it gives you the choice of taking just the type of coverage you need, which may save you some money. Some pet parents may not appreciate the lack of alternative medicine coverage and the lifetime cap, however. Compare pet insurance companies and their coverage to find the best option for your furry loved one.