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Lifetime pet insurance customer and their happy dog

Pet Insurance That's
Here For It All.

Lifetime pet insurance up to £10,000 that includes dental treatment, unlimited free video vet calls, and a personally assigned UK-based vet nurse.

Rated 4.7 stars

Our insurance.

Vet fees

If your pet becomes ill or is injured, we'll cover your vet fees up to the limits selected. This includes consultation fees, diagnostics, procedures, surgery and any medication.

Flexible coverage

You can adjust your Annual Coverage and Claims Contribution (Excess) at the start of your first policy and every year at renewal. It's just one of our many unique features and helps you to take control of your pet's policy.


At Waggel, we believe teeth and gums are an important part of your pet's health too. We cover treatment costs associated with dental-related accidents and illnesses up to £1,000, meaning our policies will give you and your pet something to smile about.

Travelling abroad

Jetting off with your pet? We'll pay for emergency treatment when you're on holiday outside of the UK and within a country of the Pet Travel Scheme for up to 90 days each year, so you can travel with complete peace of mind.

Purchase price

In addition to your Annual Coverage, we'll cover the purchase price of your pet up to £1,000 in the worst-case scenario that your pet goes missing, is stolen, or passes whilst under our protection.

Third party

When we say we're here to protect you and your pet, we mean it. We'll cover the legal costs and expenses associated with defending a claim involving your pet up to £2,000,000 if you are deemed legally responsible.

For more detail, 

Claiming with us.

  • Your Customer Champion

    Every Waggel member is assigned a Customer Champion. They're called Champions for a reason and do their very best to ensure your happiness and satisfaction whilst you're with us. Waiting on the outcome of a recent claim or have a burning question you need answering? Your Customer Champion will be available and with you every step of the way.

  • Fully online & trackable

    Forget waiting for updates via post, you can track your claim and payments in real time via your personal dashboard. We don't like confusion and make the process as simple as possible so that when you need to, you can submit a claim in seconds.

  • Extensive vet network

    Excluding people and their pets isn't something we do. Therefore, you can claim at any registered vet practice in the UK. Can't find your registered vet on our system? No problem, your Customer Champion can add them to our database so you can continue your claim with as little stress as possible.

Crystal, Emma & Rachael - some of Waggel's Customer Champions
Crystal, Emma & Rachael
Some of our Customer Champions
Already a Waggel member?
The website was simple to use, the staff follow-up was quick and friendly, and the time to get reimbursed was so quick. We’re incredibly grateful for this wonderful service!
Jill & Millie, Customer since 2023

Member benefits.

Joii Video Vet

24/7 vet video access with Joii

We've partnered with Joii to bring Waggel members exclusive access to 24/7 online vet care. Schedule immediate consultations and connect with a qualified UK-based vet through one easy-to-use app.

Cat among Katkin brand food sachets

Rewards & discounts from bespoke partners

We work with independent pet brands to provide refreshing rewards and discounts for you and your pet. So, you can get the most out of your membership with us even when you aren’t claiming.

Man kissing dog

Free behaviourist & nutritionist appointments

All Waggel members get access to free behaviour and nutrition consultations with Junior Hudson from Heal The Dog to solve any dog-related issues. With over 10 years of experience, whatever the problem, Junior can help.

Some of our reward partners

Protect My PetPet Database
Trusted House SittersButternut Box

Frequently asked questions.

You always have the option to put money aside to cover any future vet bills.

However, by doing so, you run the risk of having not saved enough by the time your pet needs treatment. In addition to this, you might deplete the funds you have saved for any conditions that require ongoing treatment.

With a Lifetime policy, the only type of policy Waggel offers, you will be able to claim up to your chosen Annual Limit year-after-year.

For more information on why you need pet insurance, read our comprehensive guide here.

We are all about being human. This means simplifying and personalising pet insurance.

We only offer Lifetime policies that are designed to cover everything pet owners expect. Our policies are adjustable by Annual Limit and Claim Contribution (Excess), allowing you to make the necessary changes to get a policy to suit your coverage and budget needs.

Every Waggel member is assigned a Customer Champion. All our Champions are qualified UK-based vet nurses and will be on hand to help you with any service issues or questions about your claims.

All members have access to our Membership Platform, where we provide free online vet video calls, free online behaviour & nutrition video consultations, and a number of rewards and discounts from independent pet brands.

A Lifetime policy means that your Annual Limit will be replenished every year. So as long as you keep your policy active by renewing it each year, your pet will be covered for life.

At Waggel, we only offer Lifetime policies.

Medical Bills
Your Waggel policy will cover vet bills for accidents, injuries, and illnesses, up to your chosen Annual Limit. This includes £1,000 for dental treatments (accident & illness) and £1,000 for complementary and behavioural treatments.

Purchase Price
We will cover a portion of your purchase price that you paid when adopting your pet up to £1,000 in the event your pet passes away, is stolen, or goes missing.

Third-Party Liability
For dogs, you are covered up to £2 million if your dog is responsible for injuring or damaging another person or their property.

The above is only meant as a summary. Please refer to your policy wording for the full details as to what is and isn't covered.

While our policy does cover the majority of issues that might occur within your pet's life, there are some things we don't cover.

Your pet will not be covered for treatment that occurs within the first 14 days of the policy (your warm-up period).

Medical Claims
Routine, elective or preventative treatments such as neutering, grooming, flea/worming treatments, dental polish/scale removal
Pre-existing conditions - symptoms or conditions that occurred before your pet was insured with us
Advanced treatments such as stem cells, gene therapy, prosthetics, and organ transplants.
Notifiable diseases
Blankets & prescription food are also not covered

Purchase Price due to Loss, Theft or Passing
Pre-existing conditions
Cremation or burial costs
Death due to illness of pet over 8 years old

Third-Party Liability
Claims made by family
Claims related to your work
Claims whereby your dog is aggressive or has a history of aggression
Claims where your dog causes injury to other animals or pets including chasing and attacking
Property you are renting

The above highlights the main points not covered. Please refer to the policy wording for the full details of what is and isn't covered.

You can claim with any vet practice, as long as they are a registered member of the Royal College of Veterinary Surgeons.

Your price might increase on renewal.

As pets get older they are more likely to go the vet and our pricing needs to take this into account.

We would also change your price based on the number of conditions you have claimed for and the total amount claimed, along with any inflation in veterinary costs and sometimes pricing model updates.

Don’t worry too much though, at Waggel we use caps on increases to try and avoid any shocks.

Need more answers?

Read the full FAQ.

What our members say.


"Lots of people worry that 5-star reviews don't reflect reality and are given before trying to make a claim. Well, my claim just got approved and I can say it's been a 5 out of 5. I loved how easy the process was. I literally just had to click a button and that was it. This is how insurance should be!"

Jad & Princess

"Made my first ever pet insurance claim when my 1-year-old Golden Retriever broke a bone in her paw. Waggel contacted my vets and accepted the claim within 24 hours. Cannot fault the company, I'm very happy with their swift agreement and payout."

Claire & Molly & Emmy

"I have to say never in my adult life have I ever claimed on pet insurance before. This was so straightforward and easy to use. Anxiety gone."

Nick & Heston
Rated 4.7 stars

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