Waggel Reviews

4.79 Rating 67 Reviews
99 %
of reviewers recommend Waggel
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communication channels
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About Waggel:

We hate nasty surprises as much as anybody, whether it’s on the carpet when we get home or hidden away in a pet insurance policy. Waggel’s all-inclusive, lifetime pet insurance has been designed to give you everything we think you’ll need and more!

* One comprehensive, lifetime pet insurance policy (we even include dental).
* Designed by pet owners and vets.
* Save thousands over your dog’s lifetime.
* No more hassle, no more hold music, no more hating your insurance company.
* Backed by over 15 years of insurance experience.

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01299 669955




Waggel Limited, WeWork, 131 Finsbury Pavement

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Excellent website and a breath of fresh air to the insurance world. If only all insurance was this easy to navigate and set up! Extremely reasonable prices too.
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I shall share that in person with the CEO.
1 Helpful Report
All good as long as it works as it says it will!
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I can assure you it does!

Definitely cheaper than with my previous insurance.
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Great easy solution for pet insurance 👍👍👍
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Bit confused with Waggel. The website says it covers dental, behavioural issues, pre-existing conditions etc. It's one of the first things highlighted on their homepage. But now I've signed up and paid, the small print seems to suggest that it doesn't really cover these things. Dental treatment won't be covered unless a recent vet check (must have been done in the last 12 months) shows there were no dental issues. I don't think my dog had dental problems 12 months ago, but it is essential that i have proof from a vet to show that. Waggel say they cover treatment for behavioural issues, but again the fine print says that a vet must show that it is a recent change of behaviour that needs treating, and the behavioural issue is not how the dog would have acted 'normally'. I'm a bit concerned that it will be impossible for me to ever claim anything successfully, and that they lure customers in with shiny (but hollow) promises.
2 Helpful Report

Thanks for becoming a Waggel customer, although it's unfortunate you have experienced some confusion. We understand there's a lot of anxiety around whether or not insurance companies will actually pay out for a claim which is why we pride ourselves on being fully transparent, so you can feel confident you know where you stand - hopefully I can clear things up for you. This might be a little wordy, but I'll do my best to keep it as short as possible!

The way policy sub-limits work is that within your vet fees coverage (the amount you can claim per policy year) you are able to claim up to the amount of that sub-limit. This includes, as you pointed out, dental and behavioural issues. This means that even if you have £10,000 vet fees coverage, you can only claim up to £1,000 for dental treatment for example. We do this in order to keep your monthly premium affordable and our sub-limit amounts are chosen so that the majority of our customers never reach them.

Separate to sub-limits there are "pre-existing conditions". These are conditions that have occurred prior to you getting pet insurance with your insurance provider. For example, a dog or cat is treated for a damaged tooth and you then take out insurance, that insurance policy won't cover that tooth. The reason for this is that monthly premiums are calculated according to the likelihood of that particular dog encountering a new issue within the period of the policy.

In your particular case, as you highlighted above, we do require a vet to have checked your dogs teeth within 12 months prior to a dental claim. This is in order to establish the onset date, so that we can be confident that it occurred during your policy period and therefore we can pay the claim. This is pretty standard across pet insurance (and human health insurance again).

Anecdotally, as a dog owner myself I discovered when I asked my vet for a dental checkup on my Golden Retriever, Sailor, for the same reason as you highlighted above, it turned out every time we've gone to the vets they've performed a dental check - for free - and put it on record so that I'm able to claim for any dental treatments. You may find your vet has been doing the same, and if not you can ask them to. If it turns out there's no pre-existing dental conditions then you can feel happy and confident that you're covered.

The same goes for behavioural - it's really not there to screw customers, it's purely there to ensure that our customers treat us as fairly as we treat them. If there's nothing on record showing a dog has behavioural issues, then your vet won't have a problem specifying that in the event that you need to claim.

All of this information is available prior to purchase - I can assure you there is no luring in of customers or smoke and mirrors being deployed to hide the above. In fact, all of the above can be easily accessed by clicking "Find out what this covers" during the quote process - at the step where you choose your vet fee coverage.

I hope that's provided the clarity you hoped for, if not we do proudly offer the ability to cancel any time if you're not happy and please do feel free to contact us via live chat or phone if you'd like any further information - ask for me personally and I'll be more than happy to speak to you directly.

Co-Founder & Chief Product Officer
Very good - fast response, good people, great service overall.
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Simple and fast, great service- thank you
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Chief and I adore Waggel we are so happy to be part of the journey for such an innovative company! Everything is so straightforward, quick and simple! I love the fact that its digital yet personable. You never feel like you're dealing with things on your own. If you ever have a query and can't find the answer on the Waggel portal, then there is always someone available to assist via chat, email or phone. They give you honest advice, its refreshing that they actually care! The fact you get answers in real time matters so much especially if your stressed over something regarding your pet. The biggest bonus for me is the turn around time on claims. Its such a swift process, I simply enter everything on line, no paper forms or going back and forth with questions - I literally got my claim paid back within 3 days! Whoever said Pet Insurance is stressful or scary, definitely needs to give Waggel a go! Absolute game changers for the 21st century.
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so simple and so lovely to speak to. expressed my concerns and they were able to help me out quikcly. (much better than PetPlan :) )
1 Helpful Report
Best insurance ever!
1 Helpful Report
We do try 💅🏼

Glad you're enjoying!

Great so far!
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Brilliant. UX amazing on this. Support excellent. Consumer engagement superb. Love this.
1 Helpful Report
Thanks for saying so Debby, we're happy to have you on board!

Fairly painless, the boxes to fill in could be clearer though, not sure where to click. The example that came up for my pet didn't take into account the pets age so didn't put the 20% on but the example in the T&Cs did. If and when we make the claim will be the proof of the pudding.
1 Helpful Report
Thanks for your feedback Robert - as a result of your review we changed this so now the 20% co-payment shows on the example page.

Good website easy to use
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Website a bit tricky at address page. But good.
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Easy to understand and use pet insurance quote and clear on monthly pricing for insurance
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Waggel has made everything from the signing up to claiming Ridiculously simple, clear and straight forward. I have recently made several claims and within a few clicks I have completed my part of the claim - gone are the days of faffing with paper forms and outdated processes. I have complete confidence that my beloved doggo is protected and should anything happen they have got her back. I have also really enjoyed receiving discounts on food and other products which have saved me loads of those bills.
3 Helpful Report
Good so far. Hope any insurance claim is as painless as signing up.
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very good, great website but difficult to find telephone contact details
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Waggel is rated 4.79 based on 67 reviews