We've been a Waggel customer for some time, we went with them due to their (now questionable) online reviews and how easy it was to sign up. The whole sales process was a slick as can be - it was really easy to sign up and start paying. The problems started though when our dog was diagnosed with an allergy condition that would require a series of monthly injections. We called Waggel, and they said not a problem - but rather than claim each time, just let them build up and claim 6 months worth. So we let them build up, and now came to make the claim - and this is where it went downhill. We sent all our vet info and medical history. This confirms the dog hadn't been diagnosed with any allergy condition prior to the policy starting out. BUT, the claim was rejected on the grounds that several years ago our dog had an ear infection. Waggel had looked for ANY lame reason not to pay the claim out, so if your dog has had anything (even an ear infection) in the past - then I would not advise insuring with Waggel. They're clearly one of those online companies who make a fortune from people who never claim, but when it comes to actually paying up - they will leave you high and dry. Literally money for nothing.