Wagmo Insurance
Protection against the unexpected
Wagmo Insurance covers the unexpected vet bills, giving pet parents peace of mind.
Coverage for the rainy days
When emergencies happen, expenses can grow quickly, turning a stressful situation into a financial strain. With Wagmo Insurance, you can rest assured knowing that unexpected veterinary bills for your pet are covered.
Oscar fractured his leg while playing at the dog park and now needs a $4,055 surgery.
You can pay as low as:
$250
and We’ll pay up to:
$3,805
*For plans with a $250 deductible and 100% co-insurance*
ESTIMATED COST OF PROCEDURES
Surgical Pre-Op X-Rays
$150
Fracture Repair
$1,000
Anesthesia Advanced (30min)
$395
Anesthesia Each Add. (30min)
$330
Operating Room Fee
$177
Surgical Assistant Fee
$150
Surgical Pack Fee
$98
IV Fluids
$140
Medications
$75
Surgical Post X-Rays
$150
Hospitalization
$750
Surgical Implants
$500
Surgical Implant Pin
$140
Total
$4,055
Here's what we cover
Covered
Emergency Vet Visits
Virtual, In-home/In-Office Care
Hospital Stays
Surgeries
X-Rays
Ultrasounds
CT Scans
Laboratory Tests
Cancer Treatment
Hereditary and Congenital Conditions
- Hip DysplasiaOnly covered in pets under 6 years old: Only covered in pets under 6 years old
End of Life Care
Pet Ambulance
- Prescription MedicationPlease note, Wagmo Insurance will only cover the first 50% of prescription medication costs.: Please note, Wagmo Insurance will only cover the first 50% of prescription medication costs.
Not Covered
Spaying/Neutering
Vitamins/Supplements
Prescription Food
Boarding
Hydrotherapy
Dental Surgeries
Biohazard Fees
Training/Obedience Class
Cosmetic Surgeries
Breeding, Pregnancy or Birth Expenses
Pre-existing Conditions
- Preventative CareLooking for routine care coverage? Explore our Wellness Plans!: Looking for routine care coverage? Explore our Wellness Plans!
Looking for preventative care? Click here to learn about our wellness plans
For a full list of policy exclusions, have a look at a sample policy. For important policy provisions, have a look at insurance disclosure. Any coverage is subject to the terms, conditions and exclusions of the insurance policy.
Your Choice of Vet
No network requirements. You have the option to choose any licensed veterinarian in the U.S.
Maximum Coverage
Unlike most providers, Wagmo can cover up to 100% (in select states) of your vet bill after you meet your deductible.
Easy Claim Submission
Filing a claim is incredibly simple and takes less than a minute through our Wagmo app.
How we helped pet parents get through the “oh no’s”
Pudding
3+ years with Wagmo
I am new at this pet parenting thing…
The most valuable thing about Wagmo to me is the knowing that my dog will be taken care of in case of an accident and I won’t have to worry about breaking the bank.
Covered With:Wagmo WellnessWagmo Insurance
Oakley
6+ years with Wagmo
Oakley had to go to the ER for an unknown reason
Submitting a claim and getting reimbursed was so easy and fast! Really made everything go so smooth and we were very impressed by the level of service received.
Covered With:Wagmo Insurance
Luna
5+ years with Wagmo
My puppy injured her leg and we had to go to the emergency vet clinic.
I filed my pet health insurance claim with Wagmo pet insurance on the same day and received my payment within 2 weeks. It was easy to submit the claims by just uploading the receipts. My follow-up appointment’s claims were also a breeze to process. By far it is the quickest and easiest pet health insurance I’ve had.
Covered With:Wagmo Insurance
Submitting a claim is easy
Visit any licensed vet or service provider
No network necessary - you’ve got the power to choose.
Take a photo of your vet bill and upload it
Submit a photo of your bill and let our magical claims processing do the rest
Get reimbursed with the following:
Perks that make pet parenting more rewarding!
We partner with your favorite pet brands to give you exclusive discounts!
Toys/Treats
Food
Pet Genetics
Pet Accessories
Pet Care
Treats
Pet Accessories
Pet Medication
Understanding the terms
Pet insurance (tbh, all insurance) is traditionally pretty confusing, so let’s be clear.
Deductible
Your deductible is what you are required to pay to cover costs. A deductible is an insurance company’s way of making sure you have some skin in the game. TL;DR: A higher deductible means lower monthly payments.
Let’s say you opt for Wagmo’s $500 deductible plan. One day Fluffy got into something toxic and now you have a $2,000 vet bill. You’d pay the first $500, before your co-insurance kicks in. The deductible resets every year.
Wagmo Insurance plans let you choose from 3 deductible options: $250, $500, or $1000
How we're different
Wagmo Insurance pays up to 100% (in select states) of the bill after your deductible. No more mystery bills, no more surprise loopholes. With Wagmo, you will always know exactly how much you owe. After all, we’re here to help you– not confuse you.
Co-Insurance
Co-insurance is where some of our competitors like to get a bit sneaky. Traditionally, even after the deductible your old school insurance company will still only pay for a portion of the bill.
Let’s say you had one of our competitor’s products with 70% coinsurance, meaning you’re still on the hook for 30% of the bill.
On Fluffy’s same $2,000 vet bill you’ll pay $500 deductible, AND you’ll have to pay 30% of the remaining $1,500– that’s another $450 out of your pocket.
Wagmo insurance plans have up to 100% in all states except for California where we offer 80%.
How we're different
Wagmo Insurance pays up to 100% (in select states) of the bill after your deductible. No more mystery bills, no more surprise loopholes. With Wagmo, you will always know exactly how much you owe. After all, we’re here to help you– not confuse you.
Lifetime Limit
A lifetime limit is the maximum we will reimburse you over the lifetime of your pet.
Wagmo Insurance will cover up to $100,000 in claims over a pet’s lifetime.
How we're different
Some sneaky players out there will sell you unlimited lifetime coverage and charge you way more for it. We did the math and very very rarely does a pet’s lifetime payout exceed $50k. We don’t want you to pay for coverage you won’t use, so we capped it at $100k to make sure you’re protected but not getting ripped off.
Waiting Periods
A waiting period is the time before your coverage is officially active. In other words, you can’t make a claim until your waiting period is up. Honestly, this is just another way of preventing fraudulent claims.
For your everyday accident and illness coverage, Wagmo’s waiting period is 15 days in most states. For cancer treatments, the waiting period is 30 days.
How we're different
TBH we’re pretty similar to the other guys here. The waiting period allows us to make sure no one signs up, files a claim for their pet’s already present illness, and then cancels, leaving Wagmo with the bill. We need to stay in business to help you keep your pet as healthy as possible, and waiting periods allow us to do just that.
Incident Limits
An incident limit is the maximum we will reimburse you for an individual accident or illness claim.
Wagmo Insurance will cover up to $10,000 per incident.
How we're different
Here’s another area where old school insurers will price-gouge you. The average claim is closer to $300, so instead of charging you more for unlimited coverage that you’re not likely to use, we capped it at $10k to make sure you’re protected but not getting ripped off. Above all, we wanted to make sure we offered our pet parents affordable pet insurance. Sensing a trend here?
FAQs
Wagmo Insurance has a waiting period of 15 days in most states. For cancer treatments, the waiting period is 30 days. If you’re interested in the real nitty gritty details, please see our insurance disclosure here.
Please note that for some states we offer zero-day waiting periods, but selecting this option requires you to receive and send us medical records within 15 days of signing up.
Any licensed vet in the United States. Once you submit your claim, our insurance team takes it from there.
Yes! Cancer treatment is covered under Wagmo Insurance. We try to help ease the issue while on the road to recovery.
Every Wagmo Insurance policy comes with an endorsement for cancer coverage. There is a waiting period of 30 days for cancer, so as long as there were no clinical signs of cancer before enrollment or during the waiting period, your coverage will apply just like it does for any other medical condition. Please note that all claims are subject to review as well as the incident limit specified in your policy.
While we wholeheartedly support and recommend spaying / neutering your pet(s), we do not cover spaying or neutering under any Wagmo Insurance or Wagmo Wellness.