DO NOT INSURE THROUGH WAGGEL. STAY CLEAR..... The Future Of Pet Insurance. What a crock of S**T. My dog had been insured a couple of years through this SHODDY company. My dog had never needed to go to the vets in 6 years of his life but unfortunately had to have a xray due to lameness. £1000 later these fraudsters refuse to pay as my husband used terminology at the vets he wouldn't be able to work him and would have to retire him which meant no fun training as he is from working lines. Vets confirmed he was not a working dog but a pet but that's it one wrong word used and these con artists take your money but have no intention of paying out. Personally wouldn't give you one star. Cancelled all insurances through this company not even worth my time.