Wagmo Pet Insurance Review

Wagmo Pet Insurance is a woman-founded and woman-led pet health insurance company that aims to provide wellness and top preventative care for cats and dogs. Christie Horvath and Ali Foxworth launched the company in 2017, headquartered in New York. They both came from the banking and insurance industries and saw a need in the market for pet insurance. 

Both founders started Wagmo to provide inexpensive, comprehensive wellness insurance to pet parents around the country. Wagmo is best known for its standalone wellness plans, but it has subsequently added an insurance option that covers accidents and diseases to its coverage. Wagmo’s wellness and insurance plans enable pet parents to get the treatment their pets require when it is most needed. 

Wagmo relieves the financial stress of ordinary and emergency pet care, from grooming to necessary maintenance, cancer treatments, and emergencies, without compromising. Wagmo has expanded into accident and illness healthcare coverage, which will be available in all 50 states soon. Pet insurance and wellness plans for pets can be purchased online.

Size and Reputation

Wagmo is gaining a foothold in the pet insurance sector. The company provides pet insurance for injuries and unexpected ailments. Wagmo insurance has been featured in Forbes, AlleyWatch, and TechCrunch. They’ve also acquired a sizable social media following, having 13.7k Instagram followers. 

Wagmo insurance is unique in that it provides pet insurance that covers surgeries, emergency vet visits, and medicines, and it also includes wellness plans for pet parents. The beautiful thing about their wellness plans is that they begin immediately, and you can seek covered medical care from any registered veterinarian. With the inclusion of their “wellness plans,” they are an excellent choice for pet owners on a tight budget.

Wagmo Wellness Plan

Wagmo’s pet wellness plan has three levels: value, classic, and deluxe. Coverage for wellness insurance begins immediately. Additional emergency pet insurance can also be purchased and added to your plan, but the monthly charge will vary depending on the age and breed of your pet. The various levels of pet wellness insurance provide varying degrees of coverage.

Value plan

Wagmo’s Value pet wellness plan is ideal if your pet is in good health and only requires an annual check-up and a few immunizations. It might not be suitable if you have a high-needs pet (either grooming or health-wise).

The Value plan includes:

  • Wellness examinations (once a year).
  • Vaccinations (twice a year).
  • Routine bloodwork (once a year).
  • Fecal tests (once per year).
  • The plan’s annual reimbursements are limited to $350.
  • It excludes the following areas of coverage:
  • Urinalysis
  • Flea, tick, or heartworm medicine
  • Grooming services
  • Dental care

Classic plan

Wagmo’s Classic plan is your best bet if you want to cover your pet’s total health bills while mitigating some of the prices of those extras.

The Classic plan involves everything in the Value plan, plus one extra routine vaccine each year, $100 for flea, tick, and heartworm medicine, and another $100 toward grooming. The plan’s annual reimbursements are limited to $650.

Deluxe plan

The Deluxe plan is Wagmo’s premier pet wellness solution. It’s an attractive option if you know your pet will visit the vet, dentist, or groomer frequently and want to cut those out-of-pocket expenses.

The Deluxe plan offers all value and classic plans services, plus one additional routine vaccine per year, an additional $100 in flea, tick, heartworm, and grooming coverage, and coverage for dental care (up to $100 per year). The plan’s annual reimbursements are limited to $1,100.

Wagmo Pet Insurance

Unlike other pet insurance providers, Wagmo provides pet wellness separate from pet insurance. You can devise and plan a strategy depending on your family’s requirements. Wagmo offers a single pet insurance plan and three different wellness plans. Pet Insurance covers unexpected illnesses and injuries for your cat or dog. Wagmo discovered that most pet owners do not require unlimited coverage for their pets. As a result, they decided to set a maximum coverage amount that would lower premiums while covering most bills.

Wagmo only offers one accident/illness insurance plan. However, you can choose between three deductibles: $250, $500, or $1,000. You can choose between 90% and 100% reimbursement, but remember that lower deductibles and higher reimbursement rates will raise your monthly cost.

The pet’s age, health, and geographical region all influence the monthly premium you will pay, although Wagmo provides plans starting at $13 per month. 

Quotes for your unique pet can be obtained quickly and conveniently online and are valid for 30 days. Wagmo charges an enrollment fee that varies according to your state and county of residence, but it is generally between $10 and $25. (according to a customer support agent). There are no monthly service charges.

Claims Processing and Customer Service

Wagmo customer service can be reached via a pop-up form on the Wagmo website or the company’s Contact Us page. Wagmo customer service is also on the company’s Facebook page (@meetwagmo), which responds to pet parents’ questions and concerns.

You may quickly file a claim with Wagmo by taking a picture of your vet invoice and submitting it using Wagmo’s mobile app. You can receive reimbursements via Venmo, PayPal, or a direct bank transfer.

Website And Mobile App

Wagmo makes great efforts to be available to its consumers at all times. As a result, Wagmo includes a complimentary pet concierge on their iOS and Android mobile apps to assist their policyholders with queries about their pet insurance or pet wellness programs or need guidance for their pet’s current health condition.

Pet owners must download the app, sign in with their account, and begin communicating. Each of their knowledgeable customer service representatives is a compassionate pet parent, so they’ll know what you need to do with your current problem.

How to Get a Quote With Wagmo Insurance?

Quotes for your unique pet can be obtained quickly and conveniently online and are valid for 30 days. Fill out Wagmo’s online form to apply for coverage. In seconds, you’ll receive a recommended strategy after entering a few details about your pet and location. There are three wellness plans, each priced at $20, $36, or $59 per month. 

A monthly insurance plan begins at $13. In your policy, if you agree to the terms of service and have financial protection for your pet once you’ve chosen your plan. Any dog or cat can be eligible for coverage regardless of age or breed. Wagmo’s plans do not include any other animal species. 

There is no need for a vet check or a health assessment to obtain coverage. Wagmo charges an enrollment fee that varies according to your state and county of residence, but it is usually between $10 and $25. There are no monthly service charges.


  • Wagmo provides insurance and wellness plans that can be purchased separately.
  • Wellness plans have no deductibles.
  • Insurance reimburses at 100%.
  • Pet insurance plans begin at $13 per month for dogs and $9 per month for cats.
  • It provides one-day compensation for qualifying expenses.
  • Wagmo offers a 5% multi-pet discount when you enroll additional pets.
  • You are free to choose any veterinarian or groomer you wish.
  • Wellness plans are available nationwide
  • It is available in 45 of the 50 states.


  • A 12-month commitment is required for the Wagmo Insurance Plan.
  • You can be charged a cancellation fee if you cancel after the 24-hour grace period.
  • Its insurance plan allows for minor customization.
  • Insurance isn’t available in every state.
  • Insurance claims take longer to process.
  • There is an entry fee of approx 34% of the policy premium price.

What Type of Customers Should Consider Wagmo?

Wagmo is an excellent solution if you have a healthy pet and want to cover wellness and preventative treatment. Purchasing accident and injury insurance may provide additional peace of mind. 

Look into the covered and excluded services and available riders when comparing pet healthcare coverage. Make sure you understand the waiting times. The most range has a 15-day waiting period, while cancer treatments have a 30-day waiting period.

On the other hand, wellness plans have no waiting time; your pet is insured immediately upon enrollment. Substantial deductibles, annual limits, and reimbursement percentages when considering insurance. Look for monthly and registration fees, and inquire about any savings available.

Final Thoughts on Wagmo

Wagmo has numerous advantages, including a superb mobile app, several wellness plans, customizable pet insurance plans, and a multi-pet discount. Wagmo may not be the best provider for you if you want an unlimited subscription or are concerned about pricey occurrences. 

A Wagmo plan might be well worth the monthly cost if you’re considering getting a puppy or kitten or if you already have a furry friend and want to save money on vet bills, regular expenses, or medical emergencies. Even though there will be a monthly fee, you will probably save a lot of money in the long run.

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