Wagmo Review

Wagmo provides exceptional pet insurance and wellness plans with a great reputation for top-tier customer service, a short claim-reimbursement period, a multi-pet discount, and an easily navigable app for submitting and tracking claims.

PLANS





What pets can be covered by Wagmo pet insurance?

Wagmo offers pet insurance and wellness plans for dogs and cats.

What types of plans does Wagmo offer?

Wagmo offers one type of pet insurance plan. This is the emergency vet coverage plan. This plan provides help with the costs associated with accidents and illnesses. Wagmo also offers three different types of wellness plans. Wagmo's first wellness plan is their "Value Plan." This plan is $20 per month and helps with the cost of routine care (vaccines, exam fees, blood work, fecal tests) for your pet. Next, is their "Classic Plan." This plan is $36 a month and will cover everything already covered by the "Value Plan" in addition to extra vaccination and urinalysis. This plan also offers $100 for any flea/tick/heartworm preventatives, as well as groom costs. The last of Wagmo's wellness plan options is their, Deluxe Plan." The "Deluxe Plan" is highly suggested for puppies and kittens. This plan is available for $59 a month. This plan includes everything covered by the prior two wellness plans, in addition to an extra routine checkup and vaccination. You will also receive $200 for flea/tick/heartworm preventatives, additional grooming, and dental care. The dental care coverage includes professional teeth cleaning, anesthesia, and an oral examination.

When does Wagmo recommend you sign up for pet insurance?

Wagmo recommends that you sign up for pet insurance as early as possible. This is largely due to the fact that Wagmo doesn't cover pre-existing conditions, and there's no way for you to predict when an emergency might pop up.

Does Wagmo offer a discount for multiple pets?

Wagmo offers a multiple pet discount of 5% on their insurance policies. For their wellness plans they don't have a multiple pet discount.

Does Wagmo offer pet insurance in all 50 states?

The wellness plans offered by Wagmo are available in all 50 states, but not its insurance policies. Make sure you confirm that you have what you need available to you from Wagmo before you continue with an insurance or wellness policy from them.

COVERAGE





Which breeds can be covered by Wagmo pet insurance?

Wagmo offers insurance and wellness plans for any breed of dog or cat.

What are the minimum and maximum ages that are covered by Wagmo pet insurance?

Wagmo begins insuring at 8 weeks old and stops insuring at older than 15. This means that if your pet is older than 15, they can't sign up. But, if you have a policy when your pet turns 16 it's still valid.

Which common procedures are covered by Wagmo pet insurance?

Wagmo covers all examinations performed by a vet in the course of diagnosing, treating, or operating on your pet for a covered injury or illness. These examinations include but aren't limited to, consultations, physical exams, in-person physical consultations, health inspections, or office visits. Also, surgery and procedures that are conducted as treatment of injuries or illness by operative, manual, and instrumental methods. Additionally, X-rays, ultrasounds, CT scans, and other diagnostic tests; laboratory tests, as well as medical supplies that are required to perform procedures by the Vet and other medical supplies which are deemed medically necessary by the Vet. Lastly, hospitalization of your pet required by the Vet, orthodontic treatment due to a covered injury or illness, and emergency ground pet ambulance transportation up to a maximum benefit of $100 for this coverage.

Are emergency vet visits and procedures covered by Wagmo pet insurance?

While Wagmo offers an insurance product that covers emergency illnesses and accidents, it's not available nationwide at this point. So, make sure that you check to see if this plan is available to you based on your place of residence if emergency coverage is something that you need for your pet(s).

Which procedures or conditions are not covered by Wagmo pet insurance?

Wagmo doesn't cover any pre-existing conditions that your pet might have before you get them insured. Additional common procedures that Wagmo doesn't cover at this time include any costs related to breeding, pregnancy, giving birth, and spaying and neutering. Lastly, Wagmo's insurance policy doesn't cover any expenses that are related to routine care. This encompasses things like annual vaccines, exams, grooming, or dental care. It's worthwhile to note though that you might get reimbursement for some of these costs if you elect for a Wagmo wellness plan.

Are medicines and vaccinations covered by Wagmo pet insurance?

Wagmo offers 50% back on prescription medications, and it's especially important to note that prescriptions are only covered if the coverage is added on at an extra cost.



CLAIMS





How long is the waiting period after enrolling with Wagmo pet insurance?

Wagmo's insurance policies have a 15-day waiting period and 30 days for cancer coverage. Wellness plans are effective immediately.

How do I file a claim with Wagmo?

Once you have signed up for Wagmo you'll be able to submit claims through your account dashboard. From there you'll be able to be reimbursed through direct deposit, Venmo, or PayPal.

How do I pay my Wagmo premiums? Do I have an option between paying monthly vs. paying annually?

Your premium with Wagmo will be based on your pet's breed, age, and the cost of care in your zip code. Wagmo pet insurance for dogs starts at $13/mo, and pet insurance for cats starts at $9/mo. You should note that the younger your pet is, the less it will cost. Additionally, if you're in search of the lowest monthly costs, you'll want to look into a high-deductible option.

What other things should I consider about my Wagmo pet insurance coverage?

You'll be able to change your deductible and reimbursement rate with Wagmo at your annual renewal. Additionally, if your pet was to pass away mid-policy, Wagmo would go ahead and cancel the plan early for you.



CUSTOMER SERVICE





What kind of customer support does Wagmo offer?

Numerous customers recommend Wagmo specifically for their exceptional customer service, quick payments, and efficient claims processing. You can contact Wagmo through their Contact page, and also through their live chat.

Does Wagmo have a mobile app? 

Wagmo is on the app store with an easily navigable app that allows you to quickly take pictures as needed for claims, submit the necessary info, and then simply submit.

Does Wagmo offer a trial period?

Wagmo doesn't offer a trial period at this time.

How can I cancel my Wagmo pet insurance plan?

You can cancel your policy at any time by notifying Wagmo in writing of your intent to cancel or non-renew. When you write to Wagmo, make sure to indicate to them the date that you'd like your cancellation to take effect. Additionally, you have a 24-hour grace period to cancel your Wagmo wellness plan. However, if you've already made a claim and the 24-hour grace period has passed, Wagmo will have to assess a cancellation fee. The cancellation fee is equivalent to the lesser of payments made minus the total of claims reimbursed, or the remaining payments that are on the plan.