They say "Pet insurance sucks, we changed it". Well, it's their insurance that sucks. Firstly, I maxed out my allowance due to an unforeseen emergency surgery to remove a foreign object ingested. As a result, I was hoping to increase my monthly premium and cover but Waggel does not allow you to do it "because they haven't built this feature yet". They said it would happen by end of the year (2020) but today they just confirmed they weren't able to "launch it yet". So I asked them, could I cancel the policy and start a new one afresh? Unfortunately, the answer was "yes, but the new policy would exclude the digestive system as a pre-existing condition". Indeed, because my dog had swallowed something that got stuck in his colon and was removed by the hand of the Vet, they would now place an exclusion on the whole digestive system, which, according to them, meant that he wouldn't be covered if he caught a stomach bug even. I had to unfortunately take out a second insurance to make sure my dog would be covered and now I've finally cancelled Waggel. Don't judge an insurance company by its pretty website and awesome perks; you should only look at how they deal with claims and post-claims and suffice to say Waggel's pet insurance is the one that sucks, not the others. Suffice to say, customer service was less than helpful in all this providing very confusing and misleading comms. If I could give a 0 star I would. No phone calls, only live chat with incompetent agents.