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Wagmo Pet Insurance Review

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Founded in 2018, Wagmo is a pet insurance company that covers 100% of costs after deductibles. The company's three options on deductibles mean you choose the best one for your budget, and its benefit limit at $100,000 is more than likely to cover your pet’s lifetime needs.
 
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How is Wagmo rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Wagmo gets high marks from us for providing simple, affordable pet insurance with no co-insurance, meaning the company covers 100% of costs after you pay your deductible. It provides online quotes in minutes through their website, and their quotes are binding for 30 days.

The company’s wide range of medical treatments and conditions covered mean your pet is likely to have their ailments covered by Wagmo’s exhaustive program, and its choice of three deductibles mean the pet owner can choose to lower their monthly costs by raising their deductible, or vice versa.

All in all, Wagmo’s 100% reimbursement promise is the star of the show here, and while other companies offer unlimited benefit limits, Wagmo assures that its limits keep costs down while offer more than what your pet will likely need during their lifetime.

Wagmo Coverage

Coverage - 0 / 5

Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Cancer

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care

Benefit Limits

Benefit Limits - 0 / 5

Wagmo claims that unlimited benefit limits only work to raise the cost of your pet’s insurance premiums, and that a pet’s lifetime insurance costs rarely go over $50,000, which is why the company caps its benefits at double that, or $100,000.
Benefit Limit Types
$20,000 a year, $100,000 for the lifetime of your pet

Reimbursement & Deductibles

Reimbursement - 0 / 5

Unlike most pet insurance companies, Wagmo guarantees to reimburse 100% of the bill after your deductible. This cost includes taxes you may have to pay when footing your pet’s medical bill, and there’s no co-insurance, assuring you only pay your deductible and nothing more.
Reimbursement Model
Actual Cost, including tax
Minimum Percent Reimbursement
100%
Maximum Percent Reimbursement
100%

Deductibles - 0 / 5

Wagmo lets you choose between a $250, $500 or $1000 deductible, with the lower deductibles having to pay higher premiums. Going up to $1000 means Wagmo can offer lower premiums than most, although you will have to pay the deductible before the insurance starts to cover you.
Deductible Type
Annual
Minimum Deductible Offered
$250
Maximum Deductible Offered
$1,000

Pricing: How much does Wagmo cost?

Cost - 0 / 5

Wagmo helps pet owners keep costs down by letting them choose from three options of deductibles offered and always offering to reimburse 100% of the remaining cost after deductibles, including tax.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$43.67
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$24.54
Rate Details: Annual Deductible $500, Benefit Cap: $20,000 Reimbursement 100%

Enrollment & Waiting Periods

Enrollment - 0 / 5

Wagmo has a waiting period of 15 days for accidents or everyday illnesses, with cancer treatments having a waiting period of 30 days. Wagmo does not have a minimum enrollment age, a benefit for pet owners looking to insure their pet’s health early.
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days

Claims & Service

Extras - 0 / 5

Under Wagmo’s plan, If your pet suffers an injury or illness, you should visit a vet within 48 hours and file a claim thereafter describing the injury, including itemized invoices from your vet and full medical records of your pet. Wagmo will tell you whether your claim is accepted or rejected within 15 business days, with claims generally being processed within one week.
Advertised Response Time
7 days
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://wagmo.io/
Headquarters Address
50 W 17th Floor 9 St, New York, NY, 10011
Year Founded
2018

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Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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