Pet Insurance Blog

Is Wagmo Pet Insurance Good? Here's How It Stacks Up

Edwin Plotts
Director of Marketing & Foster/Rescue Parent - Pawlicy Advisor
wagmo wellness info and review

General Information about Wagmo

Wagmo, Inc. was launched in 2017 by self-described “dog-obsessed insurance nerd” Christie Horvath, who became passionate about starting the company after receiving a $10,000 vet bill for her dog, Denver, during business school. Horvath now serves as Wagmo’s CEO.

wagmo founders Christie Horvath and Alison Foxworth (Source: Wagmo founders Christie Horvath & Alison Foxworth)

Wagmo is not a pet insurance company in the strictest sense. Instead, it’s described as a pet insurance and wellness company that provides an alternative to traditional pet insurance.


Its core product is a preventative pet wellness plan called Wagmo Wellness, which comes in three varieties at different monthly rates. The plans cover routine and preventative care, such as vaccines, routine exam fees, heartworm medicines, and even grooming and dental care, depending on the plan you choose.

Wagmo does also offer a pet insurance product that covers emergency accidents and illnesses, however it’s not available nationwide. Its wellness plans are its signature products.

What kinds of pets are eligible for Wagmo pet wellness plans?

Wagmo Wellness plans are available in every state of the U.S.

Wagmo’s wellness plans cover dogs and cats of all ages. No other types of pets are covered through Wagmo at this time.

What Wellness plans are available through Wagmo?

Wagmo offers 3 wellness plans:

  • The Value Plan: “For the perfectly healthy pet who mostly needs annual check-ins with their vet.”
  • The Classic Plan: “Our most popular plan — get all the basics covered with some added pampering once in a while.”
  • The Deluxe Plan: "For your furry friend who needs a bit of extra attention with more trips to the groomer or the dentist’s chair."

Key Takeaways

  • Wellness plans start at just $20.
  • Wellness plan claims are processed fast: within 24 hours.
  • Get reimbursement for services immediately after signing up.
  • Get reimbursements through Venmo, PayPal, or a bank transfer.
  • Choose any vet.
  • The accident/illness insurance plan isn’t available everywhere.
  • Like all pet insurance companies, Wagmo’s accident/illness plans do not cover pre-existing conditions.

How Much Does Wagmo Cost?

Wagmo lists a monthly rate for each of its wellness plans:

  • The Value Plan: $20/month
  • The Classic Plan: $36/month
  • The Deluxe Plan: $59/month

wagmo wellness plan options

If you decide to upgrade or downgrade your plan, you can do so at the end of a 12-month contract period. The initial price of your plan is the price in effect when your pet is enrolled. However, Wagmo stipulates that it “reserves the right to adjust price, services and the Terms and Conditions” of the agreement as of the date of any renewal.

Separately, Wagmo’s pet insurance product is dependent upon your pet’s breed, age, and the zip code you live in. It is not available in every location.

What makes Wagmo pet wellness plans worth it?

Unlike other pet insurance brands, Wagmo offers its wellness plans as standalone products. You are not required to sign up for an accident/illness plan to get routine care and wellness coverage as an add-on feature.

If you want to cover routine care but don’t want to cover emergencies, this makes Wagmo a great bargain.

For a low monthly fee, you can get a set number of office visits, vaccinations, tests, and preventative treatments covered up to a certain dollar amount. You can even get wellness plans that cover grooming fees and routine dental care.

How does the price compare to other plans?

Wagmo’s wellness plans are on par with the starting prices of add-on wellness plans from other providers. But because they offer wellness plans as stand-alone products, Wagmo might be more affordable for pet parents who are mostly interested in a wellness plan.

Wagmo’s wellness plans are all available at a flat rate. This might make Wagmo a more attractive option for some pet parents, especially if their pet is older.

Important Information to Know About Wagmo Pet Wellness Plans

How good are Wagmo’s reviews?

As a relatively new company, Wagmo doesn’t have a large presence on third-party customer review sites yet. But it does have 4.7/5 stars on its Facebook page (based on the feedback of 63 customers as of September 22nd, 2020). Many pet parents have left positive reviews about Wagmo’s great customer service and their fast reimbursement speeds.

Wagmo customer review

NOTE:Keep in mind that reviews only offer a shade of context. When it comes to pet insurance, simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet. To get a data-driven, personalized recommendation on accident/illness coverage you can use Pawlicy Advisor to scan top providers for the best match based breed, age, location, lifetime costs, and more.

What to know before investing in a Wagmo pet wellness plan

  • Policy Duration: Annual
  • Payment Plan Frequency: Monthly, Annual
  • Payment Transaction Fee ($): None
  • Minimum Age Eligibility to Enroll (Weeks): None
  • Residency Requirement: None Listed
  • Geographic Coverage: United States
  • Vet Direct Pay: No

When should you consider a pet wellness plan for your pet?

As with most plans, the sooner you sign up for coverage, the better. Early consideration will help future exclusions due to pre-existing conditions.

Ideally, you should consider pet insurance and/or a wellness plan within the first six months of adopting your pet — regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service for Wagmo

Wagmo customer service can be contacted through a pop-up form on the Wagmo website or through its Contact Us page. Wagmo customer service is also active on the company’s Facebook account (@meetwagmo), responding to pet parents’ queries and concerns.

Discount Opportunities for Wagmo

Wagmo does not currently provide multiple pet discounts. Other discounts may be available in some circumstances, but they are not explicitly defined.

What’s Covered Under Wagmo?

Wagmo’s wellness plans only cover routine and preventative care. You can cover additional expenses like grooming and dental care by selecting a higher-tier plan.

Unlike traditional cat or dog insurance plans, Wagmo’s core wellness product does not cover accidents, illnesses, hereditary and congenital conditions, alternative therapies, chronic conditions, prescription medications, prescription food and supplements, and microchip implantation. Wagmo’s pet insurance product does cover some of these items, but it is not yet available nationwide.

NOTE: Wellness plans are often bought in conjunction with pet insurance plans

List of treatment and conditions covered by Wagmo’s pet wellness plans

Office Visits

  • Annual Exams
  • Exam/Office Calls
  • Technician Appointments
  • Mobile Exams/In-Home Care


  • Bordetella
  • Distemper
  • Leptospirosis
  • Lyme
  • Rabies
  • Influenza
  • FeLV
  • All Vaccine Boosters

Routine Bloodwork

  • Standard Blood Panels
  • CBC
  • Liver Panel
  • Pancreas Panel
  • Muscle and Bone Panel
  • Kidney Panel
  • Thyroid Panel
  • Pre-Dental Blood Panel
  • Heartworm Antigen Test

Fecal Testing

  • Fecal Parasite Tests (w/Giardia)
  • Ova & Parasite Screening
  • Fecal Analysis
  • Centrifugation
  • Floatation

Urinalysis (Classic and Deluxe Plans)

  • Complete Urinalysis
  • Urine Cultures
  • All Routine Collection and Testing

Flea, Tick, and Heartworm Prevention (Classic and Deluxe Plans)

  • All Flea Medications
  • All Tick Medications
  • All Heartworm Medications

Grooming (Classic and Deluxe Plans)

  • Standard Wash
  • Hair Trims/Cuts
  • Nail Trims
  • Coats Brushing
  • Anal Gland Expression

Dental Care (Deluxe Plan Only)

  • Full Dental Procedure
  • Anesthesia
  • Oral Exam
  • Cleaning
  • Extractions
  • Comprehensive Oral Health Assessment and Treatment (COHAT)
  • Bark Bright Dental Kit

What’s Not Covered?

Wagmo’s wellness plans and insurance product don’t cover cosmetic procedures or breeding costs, including animal pregnancy costs. (Cosmetic procedures include tail docking, ear cropping, claw removal, and others.)

Wagmo does not cover accidents and illnesses unless you sign up for their pet insurance product, and only if it’s available where you live.

NOTE: If you're considering Wagmo's pet insurance know that, like all pet insurance providers, it does not cover pre-existing conditions (any medical condition that exists before benefits go into effect).

Claims Reimbursement

You can submit a routine care claim by logging into their wellness plan dashboard at and selecting “Make a Claim.” You’ll then need to upload a picture of your invoices with an itemized list of procedures as well as your pet’s medical history.

You can receive reimbursements via Venmo, PayPal, or a direct bank transfer.

  • Claim Expiration Date: Not Listed
  • Claim Reimbursement Average Timeline: Within 24 Hours
  • Claim Reimbursement Longest Timeline: 24 Hours

Cancellation Information

If you are a newly enrolled member of one of Wagmo’s wellness plans, you can cancel it for any reason within 24 hours for a full refund, as long as you have not been enrolled in a plan within the preceding 90 days. If you cancel after 24 hours, Wagmo will retain your membership fee and will require you to pay any monthly fees you owe them.

Below is Wagmo’s official statement on wellness plan cancellations as per their Universal Membership Agreement if you cancel after 24 hours: “Either You or Wagmo may cancel this Agreement at any time, but there may be monies due upon cancellation. Because we bake in significant discounts to your monthly membership, cancellation mid-term may result in a fee. We don’t love fees, but in the event that you get reimbursed for claims and cancel, we’ll have to make ourselves whole again. We love to help you pay for stuff, but we need to stay in business in order to do so!

In the event that cancellation of this Agreement results in monies due by You, such monies shall be paid in full at the time of cancellation. In the event cancellation results in monies due to You (in other words, if we owe you a refund), such monies will be paid by Wagmo within 6 to 8 weeks. To cancel this Agreement, Member must submit a cancellation request in writing to

Pre-Existing Conditions

Pre-existing conditions are not covered by Wagmo’s wellness plans or insurance. However, they don’t exclude you from being eligible for Wagmo's plans.

Wagmo defines pre-existing conditions as follows: “A Medical Condition that first occurred or showed Clinical Signs before the effective date of this Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period.”

Final Thoughts and Review

Wagmo is a great wellness plan option for those that want to be reimbursed for routine and preventive care. It's particularly useful for those who only want welness (routine care) coverage rather than bundling a wellness plan with accident/illness coverage. Additionally, if you already have pet insurance, but are interested in enrolling in a wellness plan but don't like what your insurance provider has to offer, you have the option to enroll in wellness coverage with Wagmo (while retaining accident/illness insurance with your existing provider).

If you're exploring pet wellness and insurance options, I highly recommend you try Pawlicy Advisor. It's a free marketplace that will give you personalized quotes across top providers all in one place so that you can easily compare savings and coverage side-by-side. Veterinarians LOVE it because Pawlicy Advisor provides a data-driven recommendation to help pet owners understand what coverage options are most important for their specific breed.

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Edwin Plotts, Director of Marketing at Pawlicy Advisor

Edwin Plotts
Director of Marketing & Foster/Rescue Parent - Pawlicy Advisor

Edwin Plotts rescues and rehomes cats in Savannah, GA - while leading Pawlicy Advisor's brand growth. He's a pet parent of two rescued sibling cats: Greyson and Babs. He's also an avid volunteer with Flatbush Cats and The Toby Project.

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