Compare Wagmo Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Wagmo
Also Known As / Affiliates / Partners  
Address 41 E 11th St.
New York, NY 10003
Phone 1-855-836-8785
Website www.wagmo.io
Plans That Provide Full Accident and Illness Coverage Wagmo Accident and Illness Plan *
States Covered Not Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by National Specialty Insurance Company which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/30/2024.

For the most recent ratings go to: AM Best
Year Company Started 2018

 

Policy Basics
Policy Term Not Clear
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 2 months

Maximum age = 16 years
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 15 days for illness

15 days for accidents

6 months for damage or rupture of cruciate ligaments, luxation of the patella or other soft tissue disorders of any knee. According to the sample policy, this can be waived if your pet is examined by a veterinarian within the first 30 days of the policy and they note in the medical record that your pet doesn't have pre-existing conditions relating to the knees.

30 days for cancer conditions

**Waiting Periods can vary by state. See actual policy or contact Wagmo to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate injuries. (See 'Waiting Period' section above)

**Waiting Periods can vary by state. See actual policy or contact Wagmo to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Wagmo for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? Yes

According to their website, "Your coverage, Copayments and Deductibles may change due to Your Pet's claims experience. Premium increases may be based on Your Pet's claims experience."

In the sample policy it states that they may cancel or non-renew your policy if "...A substantial change in the condition, factor or Loss experience material to insurability"
Choice of Vet? You may visit any licensed veterinarian in the US
Money Back Guarantee? Not Clear
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Wagmo for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication (only covers 50% of prescription drug costs).
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication (only covers 50% of prescription drug costs).
Behavioral Therapy Coverage Not Clear
Alternative Therapy Coverage [NO]

The exclusions section of their current sample policy includes the following:
"Costs or fees for any of the following alternative and complementary therapies:
a. holistic;
b. homeopathic;
c. acupuncture;
d. chiropractic;
e. physical therapy; and/or
f. hydrotherapy"

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy on their website, a pre-existing condition is "...A Medical Condition that first occurred or showed Clinical Signs before the effective date of this Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period. However, We do cover Pre-existing Conditions that can be Cured."

**See actual policy or contact Wagmo for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage Not Clear.

Wagmo's website states that Cancer is Covered with a 30 day waiting period. However in the current sample policy, under the exclusions section, it states that Cancer is not covered.
Cancer Coverage Limits (See 'Cancer Coverage' section above)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

Hip Dysplasia coverage is only available to pets under 6 years of age.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage Wagmo only covers 50% of prescription drugs costs.

**See actual policy or contact Wagmo for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [NO] - Spay/Neuter Benefits are not available in their Routine/Wellness Program
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Wagmo covers Orthodontic Treatment due to a covered Injury or Illness.

According to their website, Wagmo does not cover dental surgeries.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy Wagmo has bilateral condition exclusions for cruciate or soft tissue Injury to the knee.

It is not clear if there are any other bilateral conditions that fall under this exclusion.

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Prescription Medications (limited to 50% coverage), Hereditary/Congenital coverage, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care (spay/neuter not included), Routine Dental Care (Refer to each category's section for limitations)

At the time of this writing, it is unclear whether Cancer coverage is included or if an add-on is needed.

**See actual policy or contact Wagmo for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
  • Grooming
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 90% or 100%
Deductible Annual Deductible

Choose from $250, $500, or $1,000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Reimbursement is based on Actual Costs

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually $20,000
Max Lifetime Payout $100,000
Max Payout per Incident $10,000
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $22.00 - $179.00 depending on age, location, etc

 

Additional Info
My Review Wagmo Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Wagmo pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Wagmo for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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