Wagmo Insurance Review

Best known for their stand-alone wellness care policies, Wagmo started in 2018 with the goal of making vet care more accessible for the average pet owner. Unlike their competitors, this innovative company understood that not everyone needs a full, comprehensive plan for their dog or cat, and instead, being able to schedule routine care was a far greater need and bigger financial burden. For too long, pet insurance policies have been dominated by a system where preventative care is rarely the focus, and where your furry family member would need to be first enrolled in a comprehensive plan with the option to pay more every month for a preventative add-on. While this works for some owners, it isn’t right for everyone, and this is why Wagmo stepped up to ensure you could have greater freedom to care for your pet the way you want to. 

Through their stand-alone wellness care policies Wagmo allows you to take proactive steps to keep your pet healthy, and you can finally enjoy reimbursement for those common expenses you encounter throughout the year. From exams to vaccinations, and even dental care or grooming, Wagmo opens the door so you can access what you need without worrying about the cost, and gives you full confidence that your pet is being well taken care of. Perfect for budget-conscious owners, or those who simply want more flexibility with the insurance they select, Wagmo’s coverage certainly stands out in a sea of providers. 

While wellness care still is a priority at Wagmo, they have continued to grow and expand since conception and today they proudly offer a selection of both wellness and comprehensive insurance policies that are truly tailored to pets and their owners. With some of the most flexible coverage options on the market, the insurance from Wagmo allows you to visit any licensed vet of your choosing and you can even take advantage of up to 100% reimbursement for all eligible expenses. Available to owners across all 50 states, and with a fast and convenient online enrollment process, Wagmo has designed insurance for the modern pet owner and is dedicated to giving you full access to high-quality care for your dog or cat.

A great pet insurance policy is mainly determined by the coverage it offers, and the more well-rounded your plan, the more effective it will be at helping you get your pet the care they need, when they need it most. Vet bills are an expensive but inevitable part of pet ownership, and you don’t want to have to stress about how you’re going to afford them when you really need to be focusing on helping your furry friend get better. This is why Wagmo has created in-depth policies for both comprehensive care and wellness coverage and is here to ensure you enjoy a hassle-free experience that won’t drain your savings account in the process. 

When you enroll in comprehensive coverage for your cat or dog, Wagmo will deliver an impressive policy that gives you up to 50% reimbursement for prescription medications and up to 100% reimbursement for all other eligible expenses. This can include coverage for things such as:

If accidents and illnesses aren’t the only thing you’re worried about, Wagmo does offer wellness-only care that can be selected as either a stand-alone policy or paired with a comprehensive plan. With wellness coverage, you can take advantage of reimbursement for the things you’re likely already making appointments for, including:

To help give you even more freedom and flexibility, Wagmo breaks their wellness policies down into 3 distinct plans so you can choose the one that best matches your needs, preferences, and budget. Whether you have a super healthy pet, a puppy, or are seeking a classic plan with a bit of extra pampering included, Wagmo has what you want to ensure your furry family member is as happy and healthy as can be. 

Pet insurance can be a bit confusing if you’ve never enrolled before, and understanding how your policy works is just as important as selecting the right one in the first place. From annual limits to deductibles, there are a few key expenses you’re going to want to be aware of so that there are no unpleasant surprises after check-out. Thankfully, Wagmo keeps these out-of-pocket expenses to a minimum, and they have crafted their plans so that they can offer you the maximum benefits, at a more affordable price-point. 

One of the first things you will need to satisfy every year before your insurance kicks in is your deductible, which is the amount you need to spend on eligible vet costs out-of-pocket. Wagmo allows you to select the perfect deductible for your budget by offering a choice between $250, $500, or $1,000 annually. If you’re hoping to save some money on monthly premiums, a higher deductible can be one of the ways to accomplish this, while a lower deductible means you can hit that reimbursement threshold quicker each year. 

The next common out-of-pocket expense that you will encounter with insurance is a co-pay percentage - a sneaky fee that actually requires you to contribute to the vet bill every time you make an eligible visit. Costing you more money every year on top of the deductible you’ve already paid, co-pays can make it confusing to know exactly how much you’re going to be reimbursed which is why Wagmo has opted to eliminate this completely. Instead, you can enjoy up to 100% reimbursement on all of your eligible costs after you satisfy your deductible so there are no more mysteries or surprises waiting for you after you pay. This 100% reimbursement is included with all comprehensive policies through Wagmo, and you won’t even have to pay extra each month to enjoy it. 

Every year you and your pet can use your insurance policy as often as necessary, and there are no annual claim limits for your plan. Instead, you will have a per-incident limit of up to $10,000 for each accident or illness claim you submit, as well as a $100,000 lifetime limit per pet. For the average pet, rarely do they exceed a lifetime payout of over $50,000, so with Wagmo you receive more than enough coverage to protect you, without having to overpay along the way. Overall, Wagmo simply wants to offer you affordable protection you can depend on, and coverage that will be there for the entirety of your pet’s lifetime. 

One of the best things about Wagmo is their commitment to affordability, and this is evident when looking at the cost of both their wellness and comprehensive coverage policies. Intended to meet the needs of even the most budget-conscious shoppers, the wellness coverage starts at only $20/month for the Value Plan and for that price you can benefit from up to $350 in reimbursement for eligible claims every year. If the Value Plan doesn’t quite suit you, then there is also a Classic Plan for $36/month and a Premium Plan for $59/month, which offers up to $1,100 in reimbursement plus 24/7 access to vet experts whenever you need them. 

As for the comprehensive policies, pricing will depend on the type of coverage you are seeking, and the deductible you select will be one of the factors that helps determine what your monthly premiums ultimately are. Since this coverage is more tailored to each pet, the best thing you can do is to request a free quote from the Wagmo website. Requiring only a few short minutes of your time, the free quote questionnaire will ask about your pet, their age, and where you reside to determine your personalized quote and from there you can make an informed decision about whether or not the policy is right for you. 

After you complete the free quote questionnaire on the Wagmo website and have been shown your personalized premiums, you can then opt to proceed with enrollment if you are interested. Enrolling with Wagmo is extremely straightforward and simple and it is all done online, from the comfort of your own home. All that’s required of you is to finalize your plan selection, set your deductible amount if you’re enrolling in comprehensive coverage, and then checkout and pay for your first month of coverage. Once you click submit, you will then be fully enrolled and your brand new policy will be sent to you so you can review it and keep a copy for your personal records. 

For those who opt to enroll in a wellness plan, your coverage will begin immediately and you can start using those benefits whenever the need arises. Comprehensive coverage, on the other hand, does have some associated waiting periods which you will want to be aware of in case you do need to make a vet appointment. For most accidents and illnesses the initial waiting period is 15 days from enrollment, however, for cancer treatments it is a 30 day wait window. After that, you can use your policy normally and enjoy up to 100% reimbursement on all eligible expenses that are outlined in your plan. 

As one of the only pet insurance providers who offers stand-alone wellness coverage, Wagmo truly stands out from the competition and has established themselves as a dedicated, flexible, and affordable provider who keeps your pet’s best interests at the forefront of everything they do. Through their impressive policy options you can finally enjoy the type of coverage you’ve been seeking and can make sure your new plan fits your budget, without having to overspend. Giving you the ability to visit any licensed vet of your choosing, and with up to 100% reimbursement on all eligible expenses, Wagmo is delivering simple, comprehensive policies that help you provide top-notch care to your furriest family members. Get started today with your own free quote and see why so many owners trust Wagmo when it comes to giving their pets a happy, healthy, and long life.