The main thing that used to muddle our minds B.W. (Before Waggel), was all the jargon insurance companies used - so we changed it. We use simple and clear human language, written by humans (us) for humans (you). Below is a list of all the terminology we use in and around your policy. All the terms you need to know, what they mean and how they apply, in the simplest, most transparently clear way possible.

Insurance dictionary

Definition: A dictionary of insurance words and terminology with definitions and examples.

Synonym: The opposite of ‘click bait’.

Lifetime policy/lifetime cover

Definition: Lifetime policies offer ongoing cover for recurring conditions, accidents, and illnesses year on year. The cover can continue for the rest of your pet’s life as long as you continue to renew it year on year. 

The reason we only provide Lifetime Policies is simple - it’s the most comprehensive type of pet insurance policy available, meaning we want to be there throughout the entirety of your pet’s life.  

In comparison, time covered & max benefit have set limits meaning once these limits have been reached, conditions will become excluded or placed into a category (essentially no longer covered or claimable).

For example: If you have a £4,000 limit on a lifetime policy and your pet gets a cancer bill (touch wood) for £2,000, we will pay the £2,000. The next year, your policy resets to the £4,000 limit and you can claim right up to that amount again. This happens year on year, for life.

Annual limit/coverage 

Definition: Waggel offers a maximum annual limit/coverage of £10,000. This limit is the maximum amount you can claim in any given year, over a whole range of conditions (exceptions of sub-limits). Your annual limit is renewed each year alongside your policy. 

Claim contribution

Definition: Claim contribution (aka excess), is the amount which you would pay towards a claim per condition, per year, throughout your policy period.

For example: If your claim is £900 and you have £100 claim contribution, you pay £100 and we pay the remaining £800. It’s as easy as that!


Definition: Excess is claim contribution, just referred to under a different name. Although claim contribution is technically a longer word, we feel it is much clearer and therefore easier to understand - remember, size isn’t everything!


Definition: A co-payment is a percentage of the total claim amount that you would pay in addition to your claim contribution. If your Waggel policy includes co-payment you'll pay for 20% of vet bills alongside your claim contribution when making a claim.

For example: If your claim is £1000 your 20% co-payment will be £200. 

So, if you have £100 claim contribution, you will have to pay the £100, plus the co-payment, £200, which = £300 total. We will pay the remaining £700.


Definition: A sub-limit is the maximum amount you can claim for within your annual limit for certain treatments. At Waggel, said sub-limits include:

  • Complementary treatment: £1,000
  • Behavioural treatment: £1,000
  • Dental treatment: £1,000

Additional coverage

In addition to your annual coverage, your policy also covers:

  • Theft or stray: £1,000
  • Death from accident or illness: £1,000
  • Third party liability: £2,000,000

Complementary treatment 

Includes: Physiotherapy, hydrotherapy, acupuncture, osteopathy, chiropractic, homeopathic treatments, medicines of any kind or laser treatment administered by a suitably qualified practitioner following a recommendation by a vet. 

Third party/public liability 

Definition: Third party liability covers compensation and costs that arise from accidental injury or damage caused by your pet.

Includes: Compensation of claimant’s costs and expenses, along with legal costs and expenses of defending a claim made against you and your pet, where you are legally responsible. 

Exclusion review

Definition: Upon request, we will check your pet’s medical records for . Pre-existing conditions will affect what you can and can’t claim for. We will of course inform you if anything is flagged or becomes pre-existing. 

Commencement date

Definition: The date and time your cover officially starts, which is usually after the 14 days warm up period from your original inception date.

Original inception 

Definition: The start date of your Waggel policy, not to be confused with commencement date and the day of when your pets coverage starts (circa 14 days later)

Warm up period 

Definition: Waggel has a 14 day warm up period, which begins from the original inception date. Any symptom or condition that is presented within the first 14 days of your policy start date (warm up period) cannot be claimed for and moving forward will be classed as a pre-existing condition.

Congenital condition

Definition: A structural or functional condition that is present at or before the birth of your pet and can be identified prenatally, at birth or later in life.

Bilateral condition 

Definition: A wellbeing issue that can happen on both sides of your pet’s body. This includes, but not limited to, ears, eyes, elbows, shoulders, knees, hips and cruciate ligaments; these disorders are considered as one. 

Unfortunately, pet insurance has evolved over the years to become a mishmosh of confusing coverage options paired with overly-complicated terminology. Neither we are a fan of. Waggel aims to cut through all of this and provide pet owners with a policy that is simple and easy to understand. Hopefully this article has not only cleared up some insurance lingo, but has also given you an added level of trust and confidence in Waggel. 

Have any questions? Give us a shout and we will be happy to help!