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Unleashing the Details: A Comprehensive Review of Wagmo's Pet Insurance

Triston Martin

Nov 30, 2023

Pets are assets, not just for providing us companionship but also as potential sources of financial security in case of health issues. That is why pet insurance has become an important part of responsible pet ownership and Wagmo’s plans offer a variety of options that can provide you peace of mind. Before familiarizing yourself with Wagmo’s pet insurance plan, it is important to know what Wagmo is and what types of coverage they offer.

What is Wagmo?

Wagmo Inc. is a leading provider of pet health insurance in the United States and has been around since 2004. With its headquarters located in Austin, Texas, Wagmo offers pet owners access to a wide range of products and services to ensure their furry family members have the best healthcare possible. From routine checkups and vaccinations to emergency care and surgeries, Wagmo is dedicated to ensuring that its customers’ pets are well cared for and covered financially should any health issues arise.

Wagmo's Pet Insurance Plans

Wagmo offers an array of plans tailored to meet the diverse needs of your pets. Let's delve into the specifics of each offering to better understand what each plan entails.

Basic Plan

The Basic Plan from Wagmo provides coverage for common pet illnesses and accidental injuries. This includes treatment for conditions like ear infections, skin conditions, respiratory problems, as well as any injuries resulting from accidents. It's an ideal option for pet owners seeking fundamental coverage at an affordable price.

Preferred Plan

The Preferred Plan takes the coverage a notch higher, encompassing everything included in the Basic Plan, in addition to wellness protection. This means it also covers routine checkups, vaccinations, and preventative treatments, making it a comprehensive option for those who want to ensure their pets receive regular preventative care.

Premier Plan

The Premier Plan is Wagmo's most extensive offering, providing all-inclusive coverage. In addition to the benefits of the Basic and Preferred Plans, it also covers advanced procedures like surgeries, oncology, and emergency care. Designed for those who want the highest level of protection for their pets, the Premier Plan is your go-to option for complete peace of mind.

Cost of Wagmo's Insurance Packages

The cost of Wagmo’s plans depends on the type and level of coverage chosen. The Preventive Care plan costs $35 per month for cats and dogs, while the Comprehensive Care plan starts at $50 per month. Both plans have optional riders that can be added to increase coverage levels and add services such as homeopathic remedies or chiropractic visits.

How to Apply for Wagmo Insurance?

Applying for Wagmo Insurance is a relatively straightforward and user-friendly process. Let's walk through the steps:

  1. Visit the Wagmo Website: Start off by visiting the official Wagmo website. You'll find a wealth of information about their offerings, along with a 'Get Started' or 'Get a Quote' button prominently displayed on their homepage.
  2. Enter Your Pet's Information: Click on the 'Get Started' button and you'll be directed to a page asking for your pet's details. Here, you'll need to enter information such as your pet's name, breed, age, and any pre-existing medical conditions.
  3. Choose a Plan: Once you've provided your pet's information, you'll be shown the various plans Wagmo offers. You can compare the benefits and costs of each plan to decide which one suits your pet's needs and your budget best.
  4. Customize Your Coverage: After choosing a plan, you have the option to customize your coverage. Wagmo offers add-ons such as wellness coverage, alternative therapies and more.
  5. Input Owner Details: At this stage, you'll need to provide your own information, including your name, address, and contact details.
  6. Review and Confirm: Before finalizing the purchase, review all the plan details to ensure everything is accurate. Once you're satisfied, confirm your purchase.
  7. Make the Payment: Finally, you'll be taken to a secure payment page. Enter your payment details to complete the transaction.

Upon successful completion of your purchase, you will receive a confirmation email from Wagmo detailing your pet's coverage.

Claiming Insurance at Wagmo

Claiming insurance at Wagmo is quite straightforward and designed to offer minimal stress to pet owners in times of need. Here's a step-by-step guide to the process:

  1. Inform Wagmo: As soon as your pet needs medical attention, inform Wagmo. You can do this by logging into your account on Wagmo's website and filling out a simple claim form.
  2. Visit a Vet: Take your pet to any licensed vet, emergency animal hospital, or specialist within the United States. Wagmo does not restrict you to a specific network of providers, giving you the freedom to choose the best care for your pet.
  3. Pay the Bill: Pay your veterinarian's bill and ask for a detailed invoice. This invoice should include a breakdown of all treatments provided and their individual costs.
  4. Submit the Invoice: Log back into your Wagmo account and submit the invoice from your veterinarian. You will also need to include any medical records related to the claim, including diagnosis and treatment notes.
  5. Claim Review: Wagmo's claims team will review your claim, typically within 2 business days. If there are any questions or if additional information is needed, you will be contacted directly.
  6. Receive Reimbursement: Once your claim has been approved, Wagmo will reimburse you based on the terms of your specific plan. The reimbursement is usually processed within 2 weeks and can be received either by direct deposit or check.

Wagmo's intention with this smooth, user-friendly process is to ensure that pet owners can focus on their pet's health and recovery, rather than worrying about paperwork and finances.

Pros and Cons of Wagmo

  • Affordable and comprehensive coverage plans for a range of medical needs
  • Easy application process and quick reimbursement speeds
  • Does not cover hereditary or congenital conditions, which can be costly


When it comes to choosing a pet insurance provider, Wagmo is an excellent option for pet owners looking for reliable coverage at an affordable price. With its range of plans and quick reimbursement speeds, Wagmo makes it easy for customers to keep their furry family members healthy without breaking the bank. For those who are interested in learning more about Wagmo, their website offers a wealth of information as well as FAQs and customer service options.


Q: Is Wagmo insurance available in all states?

A: Yes, Wagmo is available in all 50 states.

Q: Does Wagmo offer coverage for hereditary and congenital conditions?

A: No, Wagmo does not cover these kinds of conditions. However, you can add a rider to your plan that will provide some additional coverage.

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