Wagmo Pet Insurance Review

About Wagmo

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Wagmo is a pet insurance and wellness company that provides coverage for both dogs and cats, on everything from routine maintenance costs, to bloodwork, vaccinations, and emergency care. 

Wagmo insurance has been mentioned in Forbes, AlleyWatch, and TechCrunch, just to name a few. And they’ve amassed a substantial social media following with almost 13k followers on Instagram. 

In this Wagmo pet insurance review, I’ll take an in-depth look at the company. Keep reading to learn more about its customer ratings, promotions, and more, to help you decide if their pet and wellness plans are really worth the money for yourself and your beloved pet. 

Overview of Wagmo

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Wagmo offers both pet insurance and wellness plans for clients across the United States, since they want to ensure that every pet gets the healthcare and love they deserve— and that it doesn’t break the bank for their owners. 

The brand was founded in 2017 by Christie Horvath and Alison Foxworth, and the company is headquartered in New York City. 

Now that you’ve learned some background info on this company, let’s keep this Wagmo pet insurance review moving along. Next, I’ll take a look at a long list of highlights about the brand, which includes important facts you need to know about purchasing insurance from the company. 


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  • Affordable pet insurance 
  • Wellness plans for items such as annual checkups, grooming, dental care, etc. 
  • Accepted throughout the U.S. 
  • You can visit any vet you want  
  • Several different plans to choose from, based on your budget and what you need for your pet 
  • Peace of mind knowing your pet will be covered for any emergencies or illnesses 
  • Claims for wellness visits reimbursed usually within 24 hours 

How Does Wagmo Work?

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Wagmo insurance is somewhat unique, since they don’t just offer pet insurance that covers surgeries, emergency stays at the vet, and medication, but they also have wellness plans available for pet parents. 

Wellness plans differ from regular pet insurance because they cover the cost of non-emergency services, such as routine blood work, annual exams, going to the groomer, and dental care. Basically, they help pay for all of those visits and routine items that you need to check off your list as a diligent pet parent that other insurance companies don’t usually cover.

At Wagmo, you can sign up for just an insurance plan or include a wellness plan as well, it’s totally up to you. The company lets you customize a plan to suit your unique needs.

The great thing about Wagmo pet insurance is that you don’t have to settle for only certain vets in your local area that will accept their insurance coverage since all vets are covered under their plans. 

So, in order to get the ball rolling, all you have to do is pick which vet is going to be your beloved furry friend’s routine doctor. From there, you can decide which plan will work best for what you’re looking for. Keep in mind that as your needs change over time you can further customize and add-on to your plan later. 

Once your plan is in place and something health-related comes up with your pet, all you have to do is submit a claim through the dashboard on the Wagmo website, and your reimbursement will be delivered to you within one business day to two weeks. 

This Wagmo pet insurance review will take a close look at the company’s plans and what they offer, and also see what you can expect to pay on a monthly basis. 

Wagmo Wellness Plans Review

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There are so many things that our pets need on a routine basis, from grooming and getting their nails cut, to annual checkups at the vet, or just making sure they’re up-to-date with their vaccinations. 

This Wagmo pet insurance review has good news for pet parents: Wagmo is a unique company that provides well-rounded coverage for your furry friend. They don’t just offer run of the mill pet insurance, but they also have wellness plans that cover all of the regular appointments and necessities that you’re likely already paying for out of your own pocket. 

If you’re interested in a Wagmo wellness plan, there are three different options to choose from, so you can pick which one makes the most sense for your pet’s needs and your budget. 

You can choose their Value Plan, which is ideal for pet parents who are lucky to have a pet that’s fairly healthy and they really just visit the vet for routine checkups and vaccinations. The Value Plan costs $20/month, and you can get reimbursed for up to $350/year

The Value Plan covers one vet exam, two vaccinations, one blood work procedure, and a fecal test. Basically, if your pet is healthy and visits the vet for their annual checkup, but other than that is good to go, this plan should cover all their vet costs. 

The most popular wellness plan that Wagmo offers is their Classic Plan. It costs $36/month and you can get reimbursed for up to $650/year. In the Classic Plan, you’ll receive all the previous coverage provided in the Value Plan, but you’ll also get another vaccine, one urinalysis, flea/tick/heartworm treatments (up to $100), and grooming services (up to $100). 

And for those beloved pets who are in need of extra care throughout the year, there’s the Deluxe Plan. This plan is a great option for puppies since it’ll help cover those unexpected costs and pet visits that often come up with younger dogs. 

It costs $59/month and you can get reimbursed for up to $1,100/year. The Deluxe Plan covers two vet exams, four vaccinations, one blood work, a urinalysis, a fecal test, flea/tick/heartworm treatments (up to $200), and grooming services (up to $200). And, as an added bonus, this plan also offers dental care coverage (up to $100). 

The cool thing about signing up for a wellness plan is that most reimbursements are sent out within 24 hours after a claim has been submitted, so you won’t be waiting long stretches of time to receive your money. 

Wagmo Insurance Plans Review 

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Most people have either heard about or presently have pet insurance for their furry friends, so it’s likely to be nothing new to you. 

The purpose of Wagmo pet insurance is to offer some financial protection for those times when your dog or cat gets injured or sick unexpectedly. Those vet bills can really add up, and may cause some financial strain, especially if you weren’t expecting them. 

Wagmo has three different insurance plans you can sign up for and each have different financial deductibles that you’ll be responsible for once you submit a claim. Just in case you’re unaware, a deductible is the amount of money that you’re responsible for, so the insurance company isn’t stuck paying for all the costs. 

When you sign up for Wagmo pet insurance, you can pick one of three deductibles: $250, $500, or $1,000. So, if you had an unexpected emergency vet bill that was $2,000 and you signed up for the $500 deductible plan, you’d be responsible for paying $500 and Wagmo would reimburse you for the remaining $1,500. 

Deductibles reset at the end of every year that you’re signed up with Wagmo pet insurance. Wagmo does have a limit of $100,000 for claims over your pet’s lifetime. And there’s also a maximum of $10,000 that they’ll reimburse customers for a single incident or sickness claim. 

After you sign up for a Wagmo insurance plan, there are two different waiting periods to be aware of. These are the time periods you must wait before your coverage is active. 

For everyday accidents or sickness claims, the waiting period is 15 days, and cancer treatments have a 30-day wait period. These wait times exist so that insurance companies can prevent fraudulent claims. 

Are you interested in one of Wagmo’s plans? To begin the signup process, answer their questionnaire here. Then you’ll receive a confirmation email to finalize the process. 

What does Wagmo cover?

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This Wagmo pet insurance review has a simple mission: to find out what this pet insurance and wellness company is all about, and establish what their claims actually cover. 

The wellness plans cover the following items

  • Annual visits to the vet
  • Vaccines 
  • Blood work 
  • Fecal test 
  • Urinalysis 
  • Grooming 
  • Dental care including exams, cleanings, and extractions 
  • Heartworm, tick and flea care 

The Wagmo insurance plans cover these treatments and services

  • Emergency vet visits 
  • Hospital stays 
  • Surgeries 
  • Prescriptions
  • X-rays, ultrasounds, and CT scans
  • Lab testing 
  • Cancer treatments 
  • Pet ambulance costs
  • Hip dysplasia 
  • Hereditary and congenital conditions 
  • Orthopedics 
  • Prosthetics 

Wagmo insurance plans don’t cover these treatments and services: 

  • Spaying/neutering
  • Pre-existing conditions
  • Boarding
  • Dental surgeries
  • Training
  • Pregnancy or birth expenses 
  • Cosmetic surgeries 

Who Is Wagmo For? 

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This Wagmo pet insurance review has discovered that their plans are for pet parents who have a cat or dog at home that requires vet care, and also has other routine needs (such as grooming), and they no longer want to foot the entire bill. 

Wagmo pet insurance is a great option for those with beloved pets that have health issues, but it also works well for those with perfectly healthy pets. And it’s nice that you can choose a customized plan to suit your needs—whether you require pet insurance, a wellness plan, or both—and save money on things that you’re already paying for out of pocket. 

Comparison: Wagmo vs. Pawp  

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This Wagmo pet insurance review would simply not do the dogs and cats of the world justice without including a little comparison with a similar company. 

Pawp is a telehealth pet company that offers an alternative to traditional insurance, and “quality pet care for a fraction of the cost.” 

Let’s have a look at some of the similarities between the two companies.

  • Both offer monthly plans for an affordable price under $30/month
  • Both provide care for both dogs and cats 
  • You can sign up multiple pets on their plans at both Wagmo and Pawp 

Some of the ways these two companies differ are listed below. 

  • Pawp works exclusively with telehealth vets and pet care practitioners that offer unlimited online visits covered under your monthly bill 
  • Pawp provides $3,000 per year coverage for one emergency vet bill through their “Pawp Emergency Fund”
  • After you pay your deductible, Wagmo will cover all pet emergency care throughout the year (with a maximum $10k for each incident)
  • Wagmo pet insurance and wellness cover in-person visits 
  • Pawp only offers coverage for emergencies, whereas Wagmo has three wellness plans for routine, non-emergency services

Both these pet insurance companies are unique and offer coverage for costly health bills for cats and dogs. But if you’re someone who prefers that your pet be physically checked by a veterinarian, Wagmo pet insurance is the way to go. It’s also the better choice if you’d like some extra coverage for your pets wellness needs, such as grooming services, and more.

How Much Is Wagmo?

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Wagmo offers a range of pet insurance and wellness plans, and they’re each priced differently. According to their website, they have insurance plans that start at just $13/month, and their wellness plans start at $20/month. You can also mix and match their services to suit your pet’s needs, but to get a decisive quote, you need to fill out their questionnaire online. 

For Wagmo pet insurance, you can sign up for plans with a $250, $500, or $1,000 deductible. You’ll pay a monthly fee ranging from $13/month – $70/month. It all depends on your dog or cat’s medical history, age, weight, and other factors. 

The Wagmo wellness plan has three options: their Value Plan is $20/month, their Classic Plan is $36/month, and their Deluxe Plan is $59/month. 

Wagmo Reviews: What Do Customers Think?

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My Wagmo pet insurance review would be incomplete unless I turned towards those very important people who take such good care of their furry companions—the customers. 

One thing that sets Wagmo insurance apart from others is that there seems to be a consensus about how fast pet owners receive their reimbursement. 

A customer left a glowing five-star review on their website: 

“Super incredibly amazingly fast reimbursement. I submitted a claim at 2 p.m. and had the money by 4 p.m. Fantastic customer service and great plans.”

Besides receiving insurance reimbursement in a speedy manner, there are lots of positive reviews about how great clients feel about providing their beloved dogs or cats with premium health and wellness care that doesn’t break the bank. 

One customer left a raving Wagmo pet insurance review on the company’s Facebook page: 

“I HIGHLY recommend WAGMO to any Pet Parent out there. If you’re like me, anytime your fur babies feel a little ill you want to make sure they are receiving the best preventive care but cost is always a lingering factor. With WAGMO, I don’t have to worry about hurting my pockets because they fulfilled all my claims. My fur baby was taken care of and mama was able to buy her little boy a treat! I will be renewing next year. So happy to be a part of the WAGverse!” 

Another thing that works to set Wagmo apart from the many other pet insurance agencies is that they offer wellness plans which cover necessities such as grooming, yearly vaccines, and flea and tick medication. 

A client left a 5-star Wagmo pet insurance review on TrustPilot, and they recommend signing up for their wellness plan coverage: 

“Amazing wellness plan. Have had 3 claims already. They approved them all within 24 hours. The funds were in my bank the next morning.”

One thing that was mentioned in a few Wagmo pet insurance reviews is experiencing some difficulty when trying to reach their customer service team. The company currently has a customer support email, online form to fill out, and also an online chat feature that’s available 24/7

Is Wagmo Worth It?

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Wagmo offers comprehensive and fair coverage on routine services for cats and dogs and emergency vet bills. This company stands out from the crowd with their wellness plans that cover routine appointments, such as grooming, and annual exams, amongst other services

So, if you’re someone who is getting a puppy or kitten, or you currently have a furry friend, and you’d like to cut down on vet bills, routine expenses, or health emergency costs, a Wagmo plan could be well worth the monthly bill. Even though you’ll have to fork out a monthly fee, you’ll likely save quite a bit of money in the long run.

Which means Wagmo insurance and wellness plans are definitely worth checking out, since they make a great investment for both you and your beloved pet.

Wagmo Promotions & Discounts 

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At the time of this Wagmo pet insurance review, there are currently no promotions or discounts offered on their website. 

But, according to their website, once you’re signed up for an insurance or wellness plan, you’ll receive extra discounts and perks for choosing Wagmo insurance and being a claim-free pet parent. 

Sign Up For Wagmo

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To begin the sign-up process for Wagmo insurance, click the “Get My Quote” button on the website. From there, you’ll be given a form to fill out and asked a series of questions.

We provide a summary of this process, step-by-step, below.

  1. You must fill in your pet’s name(s) 
  2. Then you’re asked if they are a dog or a cat 
  3. You’re asked what your pet’s sex is
  4. You have to input their date of birth 
  5. You must state their breed 
  6. You must also state if they’re neutered or spayed
  7. Then you need to choose what kind of coverage you’re interested in: insurance or wellness (or both)
  8. You must provide your location/zip code 
  9. Finally, you need to fill in your full name and email address for billing purposes 
  10. Based on the information you provided, you’ll be given a quote for what your monthly bill will be 
  11. The same information will also be emailed to you 


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How do I cancel my Wagmo subscription?

You can cancel your Wagmo insurance at any time. The steps required to do so are below: 

  1. Send a letter of intent to Wagmo 
  2. Explain that you want to cancel your policy or not renew your plan
  3. Indicate the date in which you want the cancellation to be effective 

If you want to cancel your Wagmo wellness plan, as long as there has been no claim made, there’s a 24-hour grace period that allows you to adjust your coverage or cancel for a full refund. 

If a claim has been made or you’re past the 24-hour grace period, there will be a cancellation fee. For those who haven’t made a claim, all you have to do is make a support request and customer service will help to move things along for you. 

How do I submit a claim to Wagmo? 

It’s really easy to submit a claim to Wagmo. All you have to do is login to your account and select “Make a claim” on your dashboard. 

At that point you’ll be asked to upload a photo of your invoices for the claim or claims you’re submitting. They should include an itemized list of every procedure included, and also your pet’s medical history. 

After you’ve submitted your claim(s), you’ll hear back from Wagmo in a timely manner. They may ask some questions about your claim(s), or request further details, but they’ll take care of you from that point on. 

How long does it take to receive reimbursement from a claim? 

Wagmo pet insurance claims usually take a week to process, but you may receive your reimbursement sooner. You’ll receive a notification email in your inbox that’ll tell you a claim has been made. Then a confirmation email will arrive during that same week to let you know when the claim has been finalized. 

Once your claim has been approved, you can select how you want to receive your payment. You have three options to choose from: instant card payment, bank transfer, or a check in the mail. 

For the Wagmo wellness plans, claims are usually processed within 24 hours, since they’re handled directly by the agency themselves. Once the claim has been reviewed, you’ll receive a notification email in your inbox regarding the payment. 

Reimbursements for wellness claims are made through PayPal, Venmo, or a bank transfer. 

How to Contact Wagmo

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I hope you enjoyed this Wagmo Pet Insurance review! For any lingering questions, there are a few different ways to reach out to the brand’s team: 

  • Email: [email protected]
  • You can fill out their contact form and Wagmo customer support will get back to you
  • There’s also an interactive chat box on their website, and it’s available 24/7 to respond to your inquiries

Check out similar brands you might like:

Pawp Pet Insurance Review

BasePaws Review

Your Fuzzy Review

Just Right Pet Food Review

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