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Wagmo Pet Insurance Reviewed By Insurance Experts [2024]

Gain peace of mind for your furry friends with Wagmo Pet Insurance

Diana Bocco - Writer for DailyTails
By Diana Bocco
Kelly Hendrickse - Editor for DailyTails
Edited by Kelly Hendrickse

Updated November 16, 2023.

A dog and a cat standing in the woods.

When it comes to selecting pet insurance, the many options available can be a tad overwhelming. From wellness coverage to plans that cater to accidents only, the insurance arena can be hard to navigate. In fact, research from Consumer Intelligence shows that two out of five (41%) pet owners find policies confusing, making it hard to find the right plan for their furry friends.

In this comprehensive review, our team of insurance experts dives deep into Wagmo Pet Insurance, looking at its offerings, benefits, and how it stacks up in the industry.

» Unsure about insurance? Find out these important pet insurance considerations

Our Verdict

In our search for the best pet insurance companies out there, we’re looking into a relative newcomer to the business today: Wagmo Pet Insurance.

So let's cut to the chase: Is Wagmo pet insurance worth it? Absolutely! Our experts took a deep dive into Wagmo Pet Insurance details, reviews, and offers before deciding that Wagmo offers substantial value that can save you thousands if your pet runs into unforeseen health issues.


  • No pet age restrictions
  • No breed restrictions
  • Your choice of vet
  • Easy claims process


  • Doesn't cover holistic options
  • No coverage for spaying/neutering

Wagmo Pet Insurance at a Glance

Wondering how long Wagmo has been in business? Wagmo has been in the pet insurance game since 2017 and has quickly gathered avid fans because of its unique offerings.

Pets CoveredDogs and cats; no upper age limit
PlansOne accident and illness insurance plan Three different wellness plans
Deductibles$250, $500, or $1,000
ReimbursementUp to 100%
Add-Ons and DiscountsVIP Club for special discounts on pet care, dog training, and more


A vet examines a small dog and cat on a table.

Wagmo has much to offer to your canine and feline companions. Whether you’re looking for comprehensive coverage or a way to cut down on basic pet expenses, Wagmo's plans are there to make sure your furry family members receive the best in care and protection.

What They Cover

Wagmo offers comprehensive pet insurance coverage that caters to a variety of health concerns, including:

  • Illnesses: Includes a wide range of conditions, from cancer to hereditary and congenital issues. If your pet has hip dysplasia or needs prescription medication, Wagmo has got you covered under certain conditions (namely, your pet must be under 6 for hip dysplasia coverage, and only the first 50% of prescription medication costs are covered).
  • Accidents and injuries: Emergency vet visits, virtual consultations, in-office care, or even hospital stays and surgeries. Coverage extends to diagnostics like x-rays, ultrasounds, CT scans, essential laboratory tests, and even pet ambulance services.
  • Vet Fees: Does Wagmo cover vet fees? The company’s wellness plans include coverage for pet wellness and routine physical exams, mobile exams, and in-home vet care.


Selecting a plan that fits your budget is a breeze with Wagmo's tiered offerings:

  • Value Wellness Plan: Basic coverage for $20 per month
  • Classic Wellness Plan: Available for $39 per month
  • Deluxe Wellness Plan: Premium care (including teeth cleaning and grooming) for $59 monthly
  • Pet insurance: Prices vary based on location and your pet’s age and breed

Deductibles and Reimbursement

When it comes to routine care, Wagmo Wellness stands out by offering members a year-round comprehensive reimbursement package that covers:

  • Regular wellness visits
  • Vaccinations
  • Dental care
  • Routine blood tests
  • Grooming
  • Access to 24/7 Telehealth services, so you can connect with vets and vet techs with questions

Contrary to other pet insurance companies that only offer wellness plans as an add-on, Wagmo allows you to sign up for it even if you don’t have pet insurance.

Depending on your chosen plan, you can expect 90% or 100% coverage rates with a $250, $500 or $1,000 deductible, and up to $1,100 in reimbursements annually. And when it's claim time, just snap a picture of your bill and submit it through the Wagmo app.

Note: When it's claim time, just snap a picture of your bill and submit it through the Wagmo app.

Add-Ons and Discounts

Anybody who signs up for a Wagmo plan automatically becomes part of the Wagmo VIP Club.

Through it, you'll enjoy exclusive perks every month, which range from special discounts on pet products and artwork to discounted flea and tick medications, dog training sessions, and so much more.

Wagmo Pet Insurance Alternatives

CoveragePriceBest For
WagmoUp to $100,000 in claims over a pet’s lifetime$20-$59 for wellness plans; variable prices for pet insuranceThose looking for extensive wellness coverage without having to get insurance
FetchAnnual limits of $5,000, $10,000 or $15,000Average of $35/month for dogs and $20/month for cats; wellness plans start at $10/monthThose who want a basic policy that covers extras such as boarding, exam fees, and advertising for lost pets
Lemonade One single accident-and-illness plan Plans start at $10/month; different wellness programs add-onsPet owners looking for tons of add-ons, including plans for physical therapy, vet visits, dental illnesses, behavioral conditions, and end-of-life expenses.
EmbraceAnnual limit anywhere from $5,000Plans average $15-$40/month, depending on your pet; options for Wellness Rewards plansFor owners who want coverage for curable pre-existing conditions
MetlifeAnnual limit options range from $1,000−$25,000As low as $9/month for cats and $15/month for dogsPet owners who want unlimited lifetime coverage

» Check out why pet insurance is worth investing in

Bottom Line: Is Wagmo Pet Insurance Worth It?

So, is Wagmo worth it? Our pet insurance experts think so. Beyond traditional coverage, Wagmo stands out for his option to sign up for a wellness plan separately. This means that even if insurance isn't on your radar, you can still benefit from routine care coverage.

Another compelling point in Wagmo's favor is the generous reimbursement system; after meeting your deductible, you can receive up to a whopping 100% back on eligible expenses. This includes coverage for virtual consultations, in-home and in-office care, end-of-life expenses, and the use of a pet ambulance.


Which Vets Accept Wagmo Wellness?

Wagmo doesn't have "in-network" or "out-of-network" veterinarians. You can visit any licensed vet with your Wagmo Wellness plan, pay for the services, and then submit your bill to Wagmo through their mobile app for reimbursement.

How Long do Wagmo Reimbursements Take?

Wagmo typically processes wellness claims within 24 hours. However, the exact turnaround time can vary if necessary documents are not provided right away.

Is Pet Wellness the Same Thing as Pet Insurance?

Definitely not! Wellness plans are designed to cover your pet's regular and preventative care, such as vaccinations, dental care, and routine exams. On the other hand, insurance plans cover emergencies, accidents, and illnesses. You can combine both plans for complete coverage.