Waggel policy & insurance explained

What policies does Waggel offer?

We only offer lifetime cover here at Waggel, so as long as there are no pre-existing conditions and you continuously renew your cover with us, we will cover for life-long conditions.

What does annual limit mean?

The annual limit is the maximum amount of veterinary fees we will cover per policy year. Our policies start with a minimum of £1,000 up to £10,000 per year - which you can choose to suit for your policy needs.

What does claim contribution mean?

A claim contribution is the amount you pay towards the claim for each unrelated condition. A claim contribution for each new condition claimed for must be paid for per policy year. This can also be called an excess. You can select your claim contribution at either £0, £50, £100 or £250.

Can I change my annual limit or claim contribution amount?

Once your policy has been selected you cannot change your annual limit or claim contribution. The only way to change this once purchased would be to cancel your current policy and set up a new one. To keep in mind, if you do this, any conditions your pet has had previously will be classed as pre-existing and will not be covered in your new policy.

What is a Pre-Existing condition?

A pre-existing condition is any condition or symptom that has occurred before you have set up your Waggel policy that you have visited the vet for in the past.

Our policy doesn't include pre-existing conditions. You can still take out a policy but any previous conditions will be excluded from coverage.

We don't need to know your conditions right away. When you make your first claim we will request the medical history from the vet and we will then assess if it is a pre-existing condition.

Do you cover dental treatment?

We cover dental treatment for illness, injury or accident, for example if extractions are needed or your pet fractures a tooth. We have a £1,000 limit per policy year for dental treatment; this is a sub-limit within your annual coverage.

We require your pet to have a dental check every 12 months to be covered and if you have been given veterinary advice for dental treatment, we require this to be carried out within 3 months.

We do not cover for any routine dental procedures such as dental checks or scale and polishing. If the dental condition is already pre-existing then we unfortunately cannot cover for this.

What are sub-limits and how do they apply?

A sub-limit is the maximum amount you can claim for within your annual limit for certain treatments. Read the next question to understand the sub-limits on the Waggel policy.

What sub-limits are there on my policy?

We have five main sub-limits within your annual limit for all Waggel policies where you can only claim to a limited amount:

  • Complementary Therapies: Up to £1000
  • Behavioural Treatment: Up to £1000
  • Death, Theft or Stray: Up to £1000
  • Dental Treatment: Up to £1000

What are things I should claim for?

You can claim for any veterinary treatment related to an illness, accident or injury. We do not cover for any routine/elective or preventative treatments such as Vaccinations, flea/worming or neutering.

What does my Waggel policy not cover:

Waggel does not cover the following as part of our Lifetime Policy:

  • Any routine/elective or preventative treatments such as Vaccinations, flea/worming or neutering/spaying
  • Cosmetic treatments of any kind such as Grooming and nail clipping
  • Dental care such as scaling or polishing
  • Breeding, pregnancy or related conditions
  • Pets under 8 weeks of age
  • Working dogs used for hunting, trade or business
  • Administration fees such as prescriptions, referral, injection fees or emergency transport
  • Any consumables or food
  • Certain behavioural treatments such as Adaptil

More detail on this will be found in the policy document t&cs.

How to:

How do I switch to Waggel if I already have another insurer?

If your pet has no pre-existing conditions, head to get a quote as normal. Please check with your current insurers regarding cancellation policies and be aware of our 14 day warm up period in which your pet will not be covered throughout this time.

We always recommend checking what pre-existing conditions your pet may have as a result of switching insurers. It can be tricky to find the right insurance policy for your pet with pre-existing conditions, we know.

As pet owners ourselves, we aren’t happy with what’s out there for pets with pre-existing conditions at present so we’re working on something very exciting for later in the year to pet those with pre-existing conditions.

Please be aware we have a 14 day warm up period and will not cover for anything that happens during this time.

How do I make a claim?

Log in to your member dashboard. Go to ‘Insurance & Claims’ and select ‘Make a Claim’. Answer a few questions and we will take over from there. (No need to fill out any long insurance forms with your vet - we will contact them directly for the medical history and invoice).

More information can be found at