When it comes to safeguarding your furry companion’s health, having reliable pet insurance can make all the difference. Wagmo Pet Insurance stands out by offering a blend of coverage options tailored to your pet’s needs and your budget.
Whether you’re looking for wellness benefits or comprehensive protection, Wagmo aims to simplify the process while ensuring your pet gets the care they deserve.
About Wagmo Pet Insurance
Wagmo Pet Insurance was founded in 2018 by Alison Foxworth and Christie Horvath to provide pet owners with comprehensive and flexible coverage options for their furry companions.
Based in the United States, Wagmo offers a variety of pet insurance plans designed to address the unique needs of pet owners, ensuring their pets receive the care they need.
What makes Wagmo stand out is its focus on customer-friendly policies, including wellness plans and customizable options.
The company emphasizes convenience, making the claims process straightforward while also offering 24/7 access to veterinary advice to support your pet’s health and well-being.
What Does Wagmo Pet Insurance Cover?
Wagmo provides extensive coverage that addresses many common pet health concerns. The policy includes benefits for:
- Prescription medications
- Hospital stays
- Emergency care visits
- X-rays, CT scans, and ultrasounds
- Cancer treatments and surgeries
- Ambulance services for pets
- Chronic, congenital, and hereditary conditions
- End-of-life care and broken bones
Additionally, Wagmo’s wellness plans offer coverage for routine care, including:
- Vaccinations
- Routine blood work
- Grooming and dental cleaning
- Flea and heartworm prevention
- Wellness office visits
What Is Not Covered?
While Wagmo provides extensive coverage, certain exclusions apply, such as:
- Pre-existing conditions
- Preventive care like spaying and neutering
- Behavioral treatments and prescription food
- Cosmetic surgeries and vitamins
- Dental surgeries and biohazard fees
- Hydrotherapy, breeding, pregnancy, and related expenses
Moreover, Wagmo may deny coverage for conditions where preventive care was recommended by a vet but not followed. Training or obedience classes are also excluded from coverage.
Pros and Cons of Wagmo Pet Insurance
When considering pet insurance, it’s essential to weigh the benefits and drawbacks of different providers to find the best fit for your furry friend.
Wagmo Pet Insurance offers a range of advantages, including flexible plans and wellness coverage, but it also has limitations that might not suit everyone’s needs.
Here’s a closer look at the pros and cons of choosing Wagmo for your pet’s insurance coverage.
Pros:
- Easy-to-use mobile app
- Live chat support
- Access to wellness coverage
- 10% multi-pet discount
- Coverage for exam fees
- Up to 100% reimbursement rate
- 24/7 veterinary professional hotline
Cons:
- Available only in 40 states
- Excludes coverage for behavioral treatments and prescription food
- Does not cover hip dysplasia for pets over 6 years old.
- No coverage for pets aged 15 years or older
- Wellness plans exclude neutering and spaying procedures.
- Waiting periods: 15 days for accidents, 3 days for cancer treatments
How Much Does Wagmo Pet Insurance Cost?
The cost of Wagmo Pet Insurance depends on factors like your location, your pet’s age, and its breed.
While the average monthly cost ranges between $20 and $30, here are some examples based on breed and age:
Dogs
| Breed | 2 Years Old | 8 Years Old |
| German Shepherd | $66 | $114 |
| French Bulldog | $96 | $144 |
| Golden Retriever | $57 | $98 |
| Labrador Retriever | $57 | $98 |
| Poodle | $63 | $108 |
| Medium Mixed-Breed Dog | $55 | $82 |
Cats
| Breed | 2 Years Old | 8 Years Old |
| Devon Rex | $36 | $48 |
| Maine Coon | $36 | $48 |
| Persian | $36 | $48 |
| Domestic Shorthair | $36 | $48 |
| Exotic Longhair | $36 | $48 |
| Ragdoll | $36 | $48 |
Frequently Asked Questions
How Much Is Wagmo Pet Insurance?
Wagmo plans for dogs start at $13 per month, while coverage for cats begins at $9 per month. Premiums usually average between $20 and $30, depending on the pet and coverage selected.
Does Wagmo Cover Neutering or Spaying?
No, Wagmo does not cover neutering or spaying. Be sure to review your policy document for a detailed list of covered services.
Does Wagmo Cover Hip Dysplasia?
Yes, Wagmo covers hip dysplasia for pets under six years old, provided it is not a pre-existing condition.
For pet owners seeking a blend of wellness and insurance coverage, Wagmo offers options designed to meet diverse needs, providing peace of mind while caring for your beloved pets.
