Wagmo Review

Overview

Finding yourself at the vet’s office is never a pleasant experience. Not only does it mean your beloved furry friend is injured or ill, it also means you’re facing an expensive bill that you probably weren’t prepared for. Accidents and illnesses can strike at any time, and it’s no secret that those treatments can add up quickly, draining your savings in the process. To help combat the rising cost of vet care, and to help you ensure you can always get your fur baby the help they need, more pet owners are turning to pet insurance policies that can offset those costs and make vet visits far more affordable. 

If you’re on the hunt for a pet insurance provider that can be there when you need them most, Wagmo is one of the most trusted and flexible providers on the market. Starting out as the only company offering wellness-only coverage, Wagmo has since grown and expanded and now offers comprehensive policies that cover wellness, accidents, and illnesses. Wagmo is an ideal choice for budget-conscious pet parents who are seeking affordable plans, short waiting periods, and quick reimbursement on all eligible appointments – ensuring your pet is happy and healthy for years to come.

How Does It Work?

When you’re facing a medical emergency with your dog, the last thing you want to worry about is the financial aspect and how much it is going to cost you. Even with insurance, navigating vet bills can be complicated and you don’t want to end up on the phone with your provider when you should be tending to your fur baby and giving them the love and support they need. Thankfully, Wagmo completely understands how serious a vet visit truly is, and this is why they have created a simple and straightforward process that is easier than ever before. Designed for modern day pet parents, this hassle-free provider uses a digital platform where you can track claims, connect with support, and claim your reimbursement. Forget lengthy delays, complicated paperwork, and endless back-and-forth communication, Wagmo is fast, easy, and convenient to use. 

Wagmo doesn’t rely on limited vet networks, so when it is time to take Fido in for an appointment you are welcome to visit any licensed vet of your choosing. There is also no requirement for you to have your claim pre-approved prior to your visit, and all you need to do is head to your favorite vet and be seen. Once a diagnosis has been made and treatment has been rendered, you will then pay for everything at the clinic and immediately upload that recipet directly into the Wagmo app.  After that, Wagmo will review and process your itemized receipt and then reimburse you 100% for all eligible expenses. 

Reimbursement can be paid out directly to you by PayPal, Venmo, or bank transfer depending on what you prefer. Most wellness claims are processed in as little as 24 hours, while pet insurance may take up to 2 weeks. However, you can follow your claim at all times using the Wagmo app and most people find that straightforward claims have an incredibly quick turnaround time without any hassle or stress. 

Wagmo Coverage

Pet Insurance: When you choose Wagmo you are choosing an upfront and transparent pet insurance provider who goes above and beyond to make their terms clear and easy to understand. No more vague language or complicated policies, all of the plans offered by Wagmo are clearly displayed on their website and offer detailed inclusion and exclusion lists so you always know what’s covered and what’s not. 

For their standard accident and illness policy, pet owners can enjoy 100% coverage for things such as:

• Emergency Vet Visits
• Virtual, In-Home, or Office-Based Care
• Hospital Stays
• Surgeries
• X-Rays
• Ultrasounds
• CT Scans
• Lab Tests
• Cancer Treatments
• Hereditary or Congenital Conditions
• Orthopedics & Prosthetics
• End of Life Care
• Pet Ambulance Trips
• 50% Off Prescription Medications
• Hip Dysplasia for Pets Under 6

Pet Wellness: For standard plans wellness care is not an included benefit, however, Wagmo is a provider that specializes in preventative care and as such they do offer a number of additional plans to choose from. With the wellness options, these can either be added on to an existing accident and illness policy, or, you are welcome to enroll in a standalone wellness policy. If you do choose to add one on, or enroll as-is, you will can also enjoy coverage for:

• Routine Exams
• Vaccines
• Routine Blood Work
• Fecal Tests
• Urinalysis
• Flea, Tick, & Heartworm Medications
• Grooming
• Dental Care

Policy Exclusions

Like with any provider, Wagmo does have certain exclusions that their policies will not cover and it’s important that you’re aware of these so there is no surprise when it comes to your reimbursements. There is nothing worse than submitting a claim and expecting a full refund, only to be denied because it was for a service your plan didn’t include. Thankfully, Wagmo’s transparency extends to their exclusions as well and full details are contained both on their website, as well as in your personal policy. 

The main exclusions set forth by Wagmo include denying coverage for:

• Pre-Existing Conditions
• Spaying & Neutering
• Dental Surgeries
• Vitamins & Supplements
• Prescription Food
• Cosmetic Surgeries
• Boarding
• Breeding, Pregnancy, & Birth Expenses
• Hydrotherapy
• Biohazard Fees
• Training or Obedience Classes

You also will be denied reimbursement for any claims related to preventative care unless you have specifically enrolled in one of their wellness policies. Each policy will include its own predetermined reimbursement limits and coverage will be based on which plan you have selected. To be sure you are enrolling in the right option for you and your pet, you can always speak with a Wagmo representative prior to signing up so you can confidently pick the policy that meets your needs and budget. 

While Wagmo doesn’t cover the above, Wagmo members do receive special discounts for end-to-end care (such as prescription food, training and obedience) through their partner network. This is a significant perk that adds even more value to your policy and is just another way that Wagmo goes above and beyond to support you and your pet throughout their lifetime. 

Deductibles, Reimbursements, & Limits

When enrolling for pet insurance one of the most complicated aspects is trying to determine what you would like your deductible, reimbursement percentage, and annual limits to be. Many providers have you select these options yourself, forcing you to try and create that perfect balance between a well-rounded policy and something that still offers affordable monthly premiums. Wagmo, however, wants to ensure you get the best of both worlds, which is why they give the same coverage to all dogs for both reimbursement and annual limits. 

Every Wagmo accident and illness plan comes equipped with 100% reimbursement for all eligible expenses and you will never have to worry about complicated math and co-pay amounts. If your vet bills fall under something your plan includes, Wagmo will fully refund for you what you spent, end of story. You will also enjoy an impressive per incident limit of $10,000, and a lifetime limit of up to $100,000. Having full reimbursement and lofty limits won’t cost you anything extra, and the only thing you need to worry about selecting is your deductible amount.

For the deductibles, Wagmo does allow owners to pick and choose the amount that suits them best – either $250, $500, or $1,000. Higher deductibles can help lower your monthly premiums, but it is fully up to you what matches your needs and budget. All deductibles are reset on an annual basis, so once you’ve paid it for the year the rest of your eligible claims are 100% reimbursed with no extra expense to you. Simple, straightforward, and with no sneaky loopholes to worry about, Wagmo makes pet insurance easier than ever before. 

Wagmo Plans & Pricing

Wagmo doesn’t use tiered plans or pricing for their accident and illness policies, and instead all owners receive the same high-quality care and reimbursement. The only difference between policies will be the annual deductible, which you will select at the time of enrollment. Wellness care, however, does have 3 plan options for you to select between and you can choose to either add these on to an accident and illness policy, or simply enroll in preventative care on its own. 

Since pet insurance is so personalized to your pup, Wagmo does offer a free quote to anyone who is interested in learning more about cost. By answering a few quick questions, such as how old your pet is, their breed, and where you’re located, Wagmo will be able to create a custom quote that shows exactly how much you could expect to spend in monthly premiums. All quotes are valid for a full 30 days, giving you ample time to think it over and determine if a Wagmo pet insurance policy is the right choice for you and your dog. Should you find the free quote to be perfectly priced, you can also go ahead and lock it in immediately and enroll on the spot.

Bottom Line

Focused on wellness, health, and pet parent support, Wagmo is a compassionate pet insurance provider that truly wants the best for your furry friend. Say goodbye to complicated policies, vague exclusion lists, and complex pricing tiers, and hello to simplified, comprehensive plans that provide 100% reimbursement for all eligible vet bills. With Wagmo you can feel confident that you are receiving the support you need, when you need it most, and their affordable pricing means you won’t have to break the bank to enjoy it. 

To get started with your own personalized quote, head on over to the Wagmo website. There you will be able to fill out a short questionnaire about your pooch and in a few minutes see exactly how much a well-rounded policy would cost you. There is no pressure to enroll unless you want to, and all quotes are valid for a full 30-days so you have ample time to decide. Give your pet the best care possible, any time they need it, with a comprehensive pet insurance policy from Wagmo.