Waggel Reviews

4.7 Rating 1,923 Reviews
93 %
of reviewers recommend Waggel
Based on 1,923 reviews
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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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I was looking to change my pet insurance to Waggel, price seemed competitive and cover fantastic. HOWEVER on querying ‘pre existing condition’ due to my dog being 8th old and therefore at vets on odd occasion for stomach bug or injured paw, I was told they would only assess any pre conditions upon making a claim. I asked if I could send a list from vets if all prior visits however this was not possible. Such a shame as prevents you leaving your current insurer (who I have been with for 8yrs with no problems just increasing premium) and using someone new. Unfortunately I am too suspicious of insurance companies to just ‘wait until I need to claim, as I am sure most illnesses could be linked to a previous sickness or injury
Helpful Report
Hi Karen, I am sorry to hear that you are dissatisfied with the service provided. Are you able to email me any conditions or symptoms which your pet has visited the vet for in last 8 years. I will have our head of claims assess any relevant exclusions which may apply. My email address is complaints@waggel.co.uk. Kind regards, Mareia
This is appalling. I told you NOT to pay this as this claim is not complete. And whilst my dog is dying you are already suggesting the removal of her tumour is not covered you should be ashamed of yourselves and this utter shambles.
Helpful Report
Hi Mark, As per our conversation, we have obtained the invoice directly from your vet. If there are any additional treatments which you need to claim for, you can submit these as continuation claims and do not need to pay any further excess. If you have any questions you can contact me directly at complaints@waggel.co.uk. Kind regards, Mareia
I have been paying for Waggle insurance for over a year now, as initialy when we got our dog they seemed like a good company, with modern values and a good offer. As time went by I realised that the insurance is pretty much useless. Excess contributions minimum mean that most problems requiring a vet visit will end up costing £100-200, which is under the excess, and so cannot be claimed. So far there was never something that we could claim for, which doesn't mean we haven't found ourselves with vet bills that created financial burdains when payed. Recently our dog has developed a few behavioural issues that started becoming of increased concern, and after consulting with a trainer and qualified behaviourist we have started expensive training to ensure our dog is healthy and happy and won't get hit by a car or get in trouble. Unfortunately, althoug Waggel say they cover behavioural treatment, they are refusing to help us with covering part of this training, because we have not consulted a vet to refer us to this. Honestly, non of the dog owners I have met so far have consulted with a vet before consulting with a trainer/behaviourist first, when encountering such issues, and so for the one time I actually thought this insurance could help us in reducing a substantial financial burdain, it has proved useless once again. I would highly recommend avoiding this useless insurance, which is simply money down the drain with no actual coverage that is useful except in extreme cases.
Helpful Report
Hi Guy, I am sorry to learn that you are unhappy with the service provided by Waggel. Here at Waggel we allow our customers to choose their own excess when setting up the policy. This is so that the policy is tailored to their own budget and needs. Our customers have the option to contribute nothing towards a claim or anything up to £250. Please note that excess is not due for each claim submitted and instead is for each condition claimed for, per policy year. For example, if you were to claim 10 times in one policy year for the same condition, you would only pay the excess once. I can see that you have not actually submitted a claim yet for the behaviour training. can I please ask you to log onto our website and submit a claim, once this has been done we will have a customer champion assess your claim. If you have any questions regarding this, please do not hesitate to contact us. Kind regards, Mareia
How can a cowboy company like this still operating in UK ,what a scam company ,DO NOT INSURE with them they take all your money and when you try to claim in the future they just simple avoid ,this happen with my daughter's wonderful dog who passed way in a car accident ,the right word to describe this company is MONEY SHARKS ,the government should ban cowboy companies like this ,go to a trust company like direct line ,like me so far so good ,good lucky everybody
Helpful Report
Appalling really. But I am pleased that Bonnie's account will now be paid for, thank you. I have a query, you mention urinary tract issues will be excluded, why is this? I know her kidney crystals are excluded, I noted this at the start of my policy, but what has this to do with her urinary tract? Denise and Bonnie Young
Helpful Report
Hi Denise, I am happy to hear that your claim has been accepted, and the money will reach your account within 3 working days. The exclusion has been placed as Bonnie is noted to have experienced crystals in her urine prior to your policy with Waggel. This being said, we still encourage you to submit all claims and each will be assessed on a case by case basis. If you have any further questions, please do not hesitate to contact us. Kind regards, Mareia
Customer service : got an email declining my claim tried to answer it , you can’t one way only . Phoned instead , no one is available leave your number we will get back to you . Yes three hours later . Your cat is allergic to the saliva of a flea hence he is poorly . Our small print clearly states your pet should NEVER get fleas and if he does your policy is null and void . £625 plus two years premiums . Oh yes and they said the vet found ONE flea on my cat . Left by another cat patient that day ? No waggel thank you .
Helpful Report
Hi Vincent, I am sorry to learn that you are unhappy with your claim decision and our customer service. As per the terms of your policy it is important to keep up to date with any routine treatments. Unfortunately, your pets medical records show that he has not had any flea treatment in the past and this may have prevented the dermatitis occurring. If you would like to discuss this further, please do not hesitate to contact us. I can see that you attempted to call us out of our operating hours and due to this there was no answer. However, as you have mentioned we always call our customers back during our working hours. Kind regards, Mareia
Fell for their ‘we’re different’ they are not … won’t pay out, don’t waste your money people!
Helpful Report
Hi Claire, I am sorry to learn that you are unhappy with your claim decision. I can see that your claim was declined due to the condition being present prior to your policy with Waggel. As per the terms of your policy, we are unable to provide cover for any pre-existing conditions. If you would like to discuss this or have any further information to provide please do not hesitate to contact us. Kind regards, Mareia
promote themselves as covering dental work for pets, but bury in their small print the very specific requirements that need to be met for them to cover said work. If you are going to sell yourselves on covering dental, you need to be more transparent about what requirements need to be met.
Helpful Report
Hi James, I am sorry to learn that you feel we were not transparent. When a customer purchases a policy with Waggel, they are sent an email which informs them that a dental check must be carried out within the last 12 months. This is to ensure that the teeth are in a healthy condition and there are no pre-existing conditions. Furthermore, this is also outlined on our website and within the policy document. If you would like to discuss this further, please do not hesitate to contact us. Kind regards, Mareia
An email from waggel is also an email you can’t reply to . You phone and get the message there is no one available to take your call . Claim denied , if you look at the small print ! Waggel does suck and I will make it my business to trash waggel at every opportunity
Helpful Report
Hi Vincent, I am sorry to learn of you dissatisfaction. I can see that you have already spoken to one of our customer service representatives. Our phone lines are open Monday to Friday 9am to 5pm. You are more than welcome to contact us out of these hours and we will give you a call back during our working hours. Can I please ask you to dispute your claim outcome and we will have a different customer champion reassess your claim. Kind regards, Mareia
Awful service! Do not actually cover what they advertise. Up to £1000 dental apparently...but when your dog requires surgery all of a sudden they find a loophole in their terms and conditions and refuse to foot the bill they are supposed to cover, in the event. No pre-existing conditions for my dog and a health check within the past year, just "mild dental staining" yet somehow not eligible. So if your dog has stained teeth...that is their loophole! Now have to refer this to the Ombudsman for independent review and pay a huge vet bill myself, even though my dog is insured! Would not recommend, insure elsewhere! TOTAL CON
Helpful Report
Hi Leon, I am sorry to learn of your dissatisfaction. You are correct in stating that Waggel cover dental treatments for up to £1,000. However, the dental condition must not be pre-existing, as this is not covered under the terms of the policy. You are more than welcome to dispute the outcome of your claim and we will have a different customer champion reassess your claim. Kind regards, Mareia
I am not impressed with your communication whatsoever. I have now left 2 ansaphone messages with my contact number and it says you will call me back….. no one has called. It’s a good job it’s not urgent! I called and spoke to Stacey on 6/3/22 informing her of a possible claim and she said we can talk it through but no one has rung me to do so. I have now submitted a claim on line to go forward. There is never anyone at the end of your phone, it’s like someone is doing business in their bedroom and it is not professional!
Helpful Report
Hi Jane, I can see that you attempted to contact us at 7pm yesterday, however our operating hours are Monday to Friday 9am- 5pm. Any contact made out of these hours will be responded to the next working day. I can see that you received a call back from one of our Customer Service Representatives today, if you need any further assistance we are more than happy to help. Kind regards, Mareia
Paid them £80 a month for a year but can’t get a bill for £250 covered. What an absolute con.
Helpful Report
Hi Sarah, I can see that your claim for your dog was accepted, however your excess was more than the claim amount and therefore no payment was due. If you would like to discuss this further please do not hesitate to contact us. Kind regards, Mareia
Waggel take your money the run when it comes to claims. I paid £350 in premiums over a year. They the refused my claim for £580 leaving me in the lurch. They refused my claim for my cats hernia repair for an obscure reason. They should be called Wriggle not Waggel. Stick with Petplan who pay out 97% of claims. At least you won't end up paying the premiums and the vet bills anyway!
Helpful Report
Hi Gina, Thank you for your feedback and I understand your frustration due to your claim being declined. Here at Waggel we cover all claims, apart from things like pre-existing conditions and routine treatments, which is outlined in your policy wording. Unfortunately, your claim does fall within this category and therefore was declined. However, if you believe this to be incorrect you are more than welcome to dispute the claim and we will reassess it based on the additional information provided. If you have any questions, please do not hesitate to contact us. Kind regards, Mareia
The spent amount for the sickness of Coco is not 155.91 pounds only, in total it is 280.91. I should receive 80.91 pound back. You need to contact to two different vets as noted - regular & emergency
Helpful Report
Hi Ceyda, Thank you for getting in touch. The additional invoice has been approved and processed under a separate continuation claim. If there is anything else that we can help you with, please do not hesitate to contact us. Kind regards, Mareia
This company offered Amazon vouchers to join, payable around 60 days after joining. I joined on 09/12/21 with a start date 01/01/22 However with many phone calls, contact and failed promises the vouchers have not arrived. “Give it another month and another insurance payment and they will arrive.” No thanks. Any credibility and trust has gone, I cannot trust this company to pay out in the event of claim therefore I am cancelling policy. 31/03/22
Helpful Report
Hi James, Thank you for highlighting this and I am sorry to learn that this situation has occurred. As per the terms of the policy the Amazon vouchers are distributed by a third party company and unfortunately on rare occasions due to distribution delays it can take longer than 60 days. I will however be investigating this matter further. Kind regards, Mareia
Too expensive 30 pounds a month premium
Helpful Report
I have raised an issue with my contribution being calculated incorrectly and despite being told it’s fixed, it’s still wrong after my last claim being approved.
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I chose what seemed the best. It had great reviews. I selected the most comprehensive policy at £33 per month. My cat did have a history of digestive issues, but these had been vomiting and diarrhoea which there were generally reasons for. However on this occasion she only vomited once, bile, and no diarrhoea. She had an obstruction according to the emergency vet, who did many x rays, then operated on her saying it was necessary. we had no choice but to trust them. This cost £4000. We thought it would be ok since we had insurance, but we had to find the £4000 up front because 'pre authorise' literally means nothing. Don't be fooled by it. In an emergency your pet cannot wait days for a decision. So our precious cat had an operation, and it was incredibly stressful- she is a rescue and vet phobic. She recovered. Then we got the message that they closed the claim because according to them having had vomiting and diarrhoea is the same thing as an operation for an obstruction with no diarrhoea and only one small vomit. They are barely similar. Do not trust Waggel, it is all hype. Additionally it was not possible to contact them directly to discuss this. I managed with difficulty to find a phone number. This did not work. Then I tried the chat function which claimed o be open. But the input field was inactive and you cannot send a message. Be assured- they do not want to hear from you and now you know why. For the life of me I cannot find a policy number but I did find this - Waggel if you happen to see this, NFGBA7X.
Helpful Report
Hi, I am sorry to hear that you are unhappy with your claim decision, and I hope your cat is doing well. Unfortunately, here at Waggel we do not cover any pre-existing conditions, however if you believe that the condition is unrelated to the previous incident, then you are more than welcome to dispute the claim and we will have a different customer champion reassess the claim. In terms of contacting us, we have a telephone line, chat function, as well as an email address. If you would like to email me directly at complaints@waggel.co.uk I can personally have a look into this matter for you. Kind regards, Mareia
Highly dissatisfied, as Waggle takes ages to process claims, with the result of not paying. Very poor experience! Would never subscribe with them again. During nearly 1 year I only had two claims and both the same patterns, ie I ended up with the bill!
Helpful Report
Hi George, I am sorry to learn about your dissatisfaction. I can see that your claim has not been processed yet and this is due to a delay in receiving the information which we require from your vet. Once this has been received your claim will be assessed as a priority. Unfortunately, your first claim was declined due to the condition being pre-existing, as per the terms of the policy we do not provide cover for any pre-existing conditions. This is outlined on our website, as well as the policy documents. If you would like to discuss this further, please do not hesitate to contact us. Kind regards, Mareia
arketing… Please DO NOT believe all the marketing hype (or more frankly b******t) from the owners. They like to tell you how "different" they are to other insurers - the only difference is how you'll get offers for wine clubs, pet products etc etc on which I'm sure they get a commision. When it comes to the important bit, renewing the premium, you'll find they are like many other insurers, you will get massive increases. My dog is just over 2, a cross breed, perfectly healthy, has all his boosters, neutered and chipped and we have made NO claims. Guess what, the auto renewal premium went up just under 30 % !!! Absolutely shocking, when I spoke to them their attitude was basically tough, take it or leave it. I checked some of the other reputable insurers and got quotes for the same cover for just over half what Waggels renewal was. So, if you want wine club offers and "cheap" pet product offers, go ahead. But if you dont want your premium to increase by 30% for a healthy 2 year old dog, don't. Seriously please do not believe the marketing hype - they are not different
Helpful Report
Hi Rowland, We are sorry to learn that you are unhappy with your renewal quote, however I believe that there has been some misunderstanding. I can assure you that your dogs renewal price has not increased by 30%, this would be unfair to our customers. For this precise reason we have a cap on our renewal calculator, so that it is not able to increase policies past a certain percentage. Prices are increased gradually upon renewal each year, so that when your pet does get older and may require more medical attention, there are no unpleasent price hikes. I will email you further details regarding your pets renewal quote. Kind regards, Mareia
Waggel is rated 4.7 based on 1,923 reviews