Wagmo Reviews: How It Stacks Up (2025)
Wagmo has a great selection of pet wellness plans, but it doesn’t cover some common services, such as spaying and neutering.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Wagmo Insurance is a New York-based pet insurance company that offers accident and illness coverage as well as pet wellness plans for dogs and cats. Unlike many other pet insurance companies, Wagmo can cover up to 100% of your pet’s eligible vet bills after meeting your deductible.
Plus, pet parents can take advantage of special discounts on pet food, accessories, and more. You can visit any vet in the U.S. and use Wagmo’s mobile app to file claims and get reimbursed.[1]
Here’s what you need to know about Wagmo.
Quick Facts
Wagmo has three pet wellness plans, with costs ranging from $25 to $65 per month.
Wagmo has a 15-day waiting period for accidents and illnesses and a 30-day waiting period for cancer treatment.
The company doesn’t cover spaying/neutering, alternative therapies, or prescription food.
Wagmo: Our verdict
Wagmo can be a great pet insurance company for pet owners who want coverage for preventative care. Wagmo is unique in that it sells three pet wellness plans with varying types and amounts of coverage, so you can pick the best one for your pet. Some pet insurers only offer one wellness plan.
Wagmo also offers the option for a 100% reimbursement rate in most states. It’s common for pet insurance companies to offer a maximum reimbursement rate of 90%, so this is an area where Wagmo surpasses its biggest competitors.
One of Wagmo’s major downsides is that it provides limited coverage compared to some other insurers. For instance, Wagmo doesn’t cover spaying and neutering, whereas most other pet wellness plans cover this service.
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Wagmo pros and cons
If you’re thinking about enrolling your pet in coverage with Wagmo, here are some pros and cons to consider:
Pros
Option for a 100% reimbursement rate on eligible vet bills (not available in CA)
Offers multiple pet wellness plans that cover routine and preventative care
Provides 24/7 access to a virtual vet if you need assistance
Cons
15-day waiting period for accidents and illnesses and 30 days for cancer treatment
Doesn’t cover spaying and neutering
Lifetime maximum for all claims paid is $100,000
Wagmo plans and coverages
Wagmo offers several plans to choose from, including accident and illness coverage and three different wellness plans.
Wagmo’s accident and illness plan provides comprehensive coverage for emergency care and certain health conditions. Here’s what this plan covers:
Cancer treatment
Congenital conditions
End-of-life care
Hip dysplasia
Hospitalization
Lab tests
Pet ambulance transportation
Surgery
X-rays
You can choose from three deductible options — $250, $500, and $1,000. For reimbursement rates, you can pick 80%, 90%, or 100% (in California, 100% isn’t an option). This plan has a $10,000 per incident coverage limit and a lifetime coverage limit of $100,000.
Once you sign up for coverage, a couple of waiting periods apply. For accidents and illnesses, the insurer will only cover issues that arise 15 days after your policy starts. For cancer, the symptoms and diagnosis must come after 30 days of coverage in order to receive covered treatment. Wagmo considers anything that occurs during these periods to be a pre-existing condition.
The Value wellness plan provides essential coverage for $25 per month. It’s the most basic Wagmo wellness plan with the lowest price.
Here’s what this plan covers:
Routine exams: Once per year
Vaccines and booster shots: Twice per year
Routine blood work: Once per year
Fecal test: Once per year
VETalk live chat: Unlimited
VETalk video sessions: Unlimited
The Classic Wagmo wellness plan is the most popular option among Wagmo customers. It provides slightly more coverage than the Value plan, and it costs $45 per month.
Here’s what you get with the Classic plan:
Routine exams: Once per year
Vaccines and booster shots: Three per year
Routine blood work: Once per year
Fecal test: Once per year
Urinalysis: Once per year
Flea, tick, and heartworm medications: $100 per year
Grooming: $100 per year
VETalk live chat: Unlimited
VETalk video sessions: Unlimited
The Deluxe Wagmo wellness plan is the most complete routine care plan. According to the company’s website, it’s a great option for puppies.
This plan costs $65 per month and includes the following services:
Routine exams: Twice per year
Vaccines and booster shots: Four per year
Routine blood work: Once per year
Fecal test: Once per year
Urinalysis: Once per year
Flea, tick, and heartworm medications: $200 per year
Grooming: $200 per year
Teeth cleaning: $100
VETalk one-on-one pet parent virtual training: Three per year
VETalk live chat: Unlimited
VETalk video sessions: Unlimited
What Wagmo doesn’t cover
Like most pet insurance plans, Wagmo doesn’t cover all vet services. Below is a sample of some common expenses that aren’t eligible for reimbursement:
Alternative therapies, like acupuncture and chiropractic care
Breeding
Prescription food
Spaying/neutering
Supplements
Training
Treatment for pre-existing conditions
How much does Wagmo cost?
Wagmo’s wellness plans range from $25 to $65 per month, but this can vary by plan.
The cost of pet insurance depends on a variety of factors, like your pet’s breed and age, plan type, coverage limits, deductible, reimbursement rate, and location.[2] Wagmo also offers a 10% discount for pet parents who insure more than one pet.
Cost of Wagmo dog insurance
To collect rate quotes for Wagmo dog insurance, we used the sample profile of a 2-year-old medium mixed-breed dog. The quotes were for an accident and illness plan with $10,000 in annual coverage, a $500 deductible, and 80% reimbursement.
For Wagmo’s accident and illness plan for dogs, the sample premium was $64 per month.
Cost of Wagmo cat insurance
To collect rate quotes for Wagmo cat insurance, we used the sample profile of a 2-year-old American shorthair female cat. The quotes were for an accident and illness plan with $10,000 in annual coverage, a $500 deductible, and 80% reimbursement.
For Wagmo’s accident and illness plan for cats, the sample premium was $39 per month.
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How customers feel about Wagmo
Based on customer testimonials, Wagmo reviews are mixed. The company gets 2.6 out of 5 stars on Trustpilot, but it’s only based on six reviews. Most of the complaints are about denied claims.[3]
Wagmo reviews are much better on Google. It has a rating of 4 out of 5 stars based on 170 reviews. This customer wrote a very positive review about the company’s easy claim reporting, fast claim payments, and helpful customer service agents:
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But while most of the company’s Google reviews are positive, some of the more recent reviews aren’t as good. For example, this customer claims that Wagmo’s didn’t reimburse their claims for vet services that should’ve been covered:
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The bottom line: Is Wagmo pet insurance worth it?
Wagmo insurance is worth it for some pet parents. While pet insurance is an up-front cost, it can help you cover unexpected or expensive vet visits in the future.
Wagmo has a few standout features, like the option for 100% reimbursement in most states and multiple pet wellness plans. It can be a great pet insurance company for people who want coverage for preventive and routine care. Plus, all the plans include unlimited video sessions and live chat with licensed vets.
If you’re considering a Wagmo pet insurance plan, it’s also important to understand the downsides. For example, its plans don’t cover spaying and neutering, which is something that many other pet insurance companies cover. Also, plans have a lifetime maximum coverage limit of $100,000 for all claims, but many other insurers have an unlimited lifetime coverage amount.
Wagmo pet insurance FAQs
Wagmo pet insurance can be a good investment if you want help paying your dog’s or cat’s veterinary bills. Here’s some more information about Wagmo that can help you decide whether this pet insurance company is the best one for your needs.
How do you cancel Wagmo pet insurance?
To cancel your Wagmo pet insurance plan, you can send the company a support request through the website. If you sign up for a policy and decide not to keep it, you’ll probably pay a cancellation fee if you cancel after the 24-hour grace period.
How do you contact Wagmo customer service?
You can contact Wagmo customer support by submitting an online form, sending an email to [email protected], or calling 1 (855) 836-8785. The company’s business hours are Monday through Friday from 9 a.m. to 6 p.m. Eastern time and Saturday from 11 a.m. to 7 p.m. Eastern time.
Does Wagmo have a waiting period before you can submit a claim for your pet?
In most states, Wagmo pet insurance has a 15-day waiting period for accidents and a 15-day waiting period for illnesses. For cancer treatment, the waiting period is 30 days. If you submit a pet insurance claim before the waiting period ends, you aren’t eligible for reimbursement.
Does Wagmo cover the cost of neutering your pet?
No. Wagmo doesn’t cover neutering or spaying under any of its pet insurance plans or Wagmo wellness plans. You’ll have to cover these costs out of pocket.
Sources
- Wagmo. "Pet Insurance."
- NAIC. "A Regulator’s Guide to Pet Insurance."
- Trustpilot. "Wagmo Pet Insurance."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
