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Wagmo offers a single pet insurance plan and three different wellness plans. If you own a pet, then you probably already know your furry friends can get quite expensive. Pet-related expenses never seem to stop, from heart-worm and flea medicine to the costs of wellness exams and other basic care.

To help manage these expenses, many pet owners look to pet insurance which is a kind of health insurance. Wagmo is a company that offers pet insurance. It is worthy of note that Wagmo originally started as an alternative to pet insurance. It does this by offering comprehensive pet wellness plans instead.

Now, the company offers a single, customizable insurance plan and three wellness plans. None of these plans are needed to apply for the other.

What pet health plans does Wagmo offer?

Wagmo offers a single pet insurance plan and three different wellness plans. Each plan is unique when compared to the other. Therefore, it is important to compare them all.

Wagmo pet insurance

Pet insurance plans starting at $13 per month

When once you meet your deductible, Wagmo will cover 100% of the bill. Policy plans have a lifetime benefit limit of $100,000 and $10,000 per incident limit. You can choose a deductible of $500, $750, or $1,000

Wagmo policy coverage covers unexpected illnesses and injuries for cats and dogs. The policy is not really customizable but they have a reason for this. After doing the calculations, they discovered that majority of pet owners do not need unlimited coverage policy for their pets. As a result, they decided to design a maximum coverage amount that would lower premiums and cover most bills.

Below are some important details about a Wagmo pet insurance plan.

Policy terms

It is extremely important to read and understand the terms of your policy. They contain the information that will determine how much your policy costs, what the policy covers, and how much money you’ll be reimbursed for—amongst other things. Below are the terms:

  • Monthly premium:This is based on a lot of factors and can vary. However, plans can be bought for as low as $13 per month.
  • Benefit limits:There is a lifetime limit of $100,000 and a per-incident limit of $10,000
  • Deductible:You have to make a choice between a deductible of $500, $750, or $1,000
  • Reimbursement: There is a 100% reimbursement.
  • Benefit limits: A lifetime limit of $100,000 and a per-incident limit of $10,000

What does Wagmo cover?

  • Surgeries
  • Prescription medication
  • X-ray
  • Emergency visits
  • Hospital stays
  • Ultrasound
  • CT Scans
  • Hereditary conditions
  • Laboratory tests
  • Cancer treatments
  • Prosthetics and orthopedics
  • Congenital conditions
  • Pet ambulance
  • Hip dysplasia
  • End of life care

What doesn’t Wagmo cover?

  • Prescription food
  • Hydrotherapy
  • Vitamins and supplement
  • Boarding
  • Spaying and neutering
  • Pregnancy or birth expenses
  • Breeding
  • Training and obedience class
  • Pre-existing conditions
  • Dental surgeries
  • Cosmetic surgeries
  • Biohazard class
  • Preventative care

Waiting period

A waiting period is a time that allows insurance companies to ensure that you aren’t signing up with a pet that has already suffered an injury or illness. In other words, the waiting period keeps you truthful. It also keeps them in the business of protecting you financially.

When you receive your coverage, you’ll have a 15-day waiting period for everyday accidents and illnesses. Cancer treatments requires a waiting period of 30 days.

Is Wagmo available in my city/state?

Wagmo does not say which states it is currently available in. However, you can check your eligibility through its quick application. According to the company on its website, it is gradually rolling out to more areas.

Wagmo wellness plans

You have three different wellness plans to choose from:

Value plans:

Wagmo’s Value pet wellness plan is the best plan for you if you have an overall healthy pet who just needs an annual check-up and a few vaccines. If your pet is a high-needs pet, it may not be the best choice for you. Its monthly cost stands at $20

The Value plan includes pet health necessities like:

  • Wellness exams (once a year)
  • Vaccines (twice a year)
  • Routine blood work (once a year)
  • Fecal tests (once a year).

The maximum annual reimbursement of the plan’s coverage is $350. However, it does not cover the following areas:

  • Dental care
  • Flea, tick, or heartworm medicine
  • Urinalysis
  • Grooming services

>> learn more about the Value plan

Classic plan

Wagmo’s second-tier offering is the Classic plan. It is the best policy for you if you want coverage for your pet’s basic health costs. At the same time, it also offsets the costs of some of those extras. Its monthly cost stands at $36. The Classic plan covers the following areas:

  • Wellness exams (once a year)
  • Vaccines (thrice a year)
  • Routine blood work (once a year)
  • Fecal tests (once a year)
  • $100 toward flea, tick, and heartworm medication
  • An additional $100 toward grooming.

The maximum annual reimbursement of the plan’s coverage is $650. The plan however does not cover Dental care.

>> learn more about the Classic plan

Deluxe plan

Wagmo’s best and most expensive pet wellness plan is the deluxe plan. It’s the best plan for you if you know your pet is going be in the vet’s, dentist’s, or groomer’s chair regularly, and you want to ease the burden for your wallet. Its monthly cost stands at $59.

The Deluxe plan covers the following areas:

  • Wellness exams (once a year)
  • Vaccines (four times a year)
  • Routine blood work (once a year)
  • Fecal tests (once a year)
  • $200 toward flea, tick, and heartworm medication
  • An additional $200 toward grooming.
  • $100 toward dental care

The plan’s coverage maxes out at $1,100 in reimbursements annually.

>> learn more about the Deluxe plan

Advantages of Wagmo

  • Insurance reimburses at 100%
  • Options available for all health and need levels
  • Offers one-day reimbursement for eligible expenses
  • No waiting period to begin coverage for wellness plans
  • Offers insurance and wellness plans that can be taken out individually
  • No deductibles on wellness plans
  • Reimbursement claims can be filed easily online
  • Can use any vet or groomer you want
  • Available nationwide for wellness plans

Disadvantages of Wagmo

  • Insurance is not available in every state
  • Requires a 12-month commitment
  • Less customization on its insurance plan
  • Cancellation fees if you cancel after the 24-hour grace period

Who is eligible to apply for Wagmo?

Wagmo’s pet wellness plans are available in all 50 states in the US. Its insurance plan however is still being rolled out nationally. You should fill out your free quote to see if you’re eligible for an insurance policy.

All dogs and cats are eligible for coverage, irrespective of age or breed. No other animal species are covered under Wagmo. No vet check or health assessment is required to get coverage.

How do you apply for Wagmo?

To apply for coverage, you just have to fill out Wagmo’s online form. Put in a few details about your pet and location. Then, you’ll see a recommended plan in seconds. Once you select your plan you want, you’ll have to pay. After that, you agree to the terms of service, and voila you now have financial protection for your pet.




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