why waggel comparing best pet insurance

Comparing Best Pet Insurance - Why Waggel is Different

Written by Ryan Gliozzo


Pet insurance sucks. So we changed it...but what exactly did we change? Great question. Seeing as we're a pet insurance start-up all about being transparent and honest, we decided to write this piece dedicated to answering and clearing up exactly what we mean by ‘we changed it’.
A man and his dog in a pie shop

Lifetime policies only

In comparison to other UK pet insurance companies, we only provide one type of policy, which is a Lifetime policy.

A Lifetime policy means that the limit you select to cover vet bills in a year will replenished every year, so as long as you keep your policy active. This means your pet will be covered for life, hence why most pet owners choose it.

We chose to only offer Lifetime policies as we didn’t want to overwhelm new pet owners with a plethora of policies, and we want to make sure that your pet is covered and supported throughout the entirety of its life.

In comparison to Time-Limited & Maximum Benefit policies, which both exclude conditions once a limit or time period has been reach, Lifetime policies make sure that pets are covered for ongoing issues.

Adjustable Limits & Claim Contribution (Excess)

One of the unique features to Waggel is the ability to adjust your Annual Limit and Claims Contribution (Excess) to suit your coverage and budgetary needs.

We have extensive choices for both Limits and Excess. Our Annual Limits range from £1,000 to £15,000 and our Claim Contribution (Excess) from £0 to £500.

You are also able to make changes to both your Annual Limit and Excess during the first few days of your new policy and every time your policy comes up for renewal.

Dental cover

We like to see big smiles on all of our Waggel pet’s faces, and we like these smiles to be healthy and gleaming. This is why, unlike a lot of pet insurance companies, we offer dental treatment.

We are one of the few providers that offers Dental treatment for both illnesses and accidents. The majority of providers only offer it for treatments due to an accident.

Zero excess (Claim Contribution)

Excess is one of those words that has confused generation after generation of pet owners - so we renamed it Claim Contribution. It means and does the same thing, it’s just a lot easier to understand and explain.

Claim Contribution is the amount which you would pay (contribute) towards a claim per condition each year. We let our customers choose how much they contribute, starting at £0 and going up to £500.

By providing you with the ability to change your Excess, it helps find a policy to suit your budget.

a couple with a dog

Our tech and digital

We love pets and we love tech and we’re backed by 15 years of insurance experience.

So when it came to providing our customers with pet insurance technology, we were always going to go the extra mile and offer the best digital experience.

From the sign-up process to our Membership Platform, to making a claim in seconds and tracking it in real-time, our fully digital, paper-free platform cuts out the rubbish and fills our customers with confidence.

Personal Customer Champions

We’re a fully digital pet insurance start-up, but we know that sometimes a human touch is needed.

Enter our Customer Champions... A UK-based veterinary nurse that is personally assigned to look after you and your pet.

Whether you have a question about your policy, want more info about a claim or are a new customer wanting more info before signing up, our lovely Customer Champions are here to help.

Claiming made easy

When it comes to pet insurance claims, Waggel has made the process as simple as possible.

No paper claim forms, no silly questions, no hold tones. Just login to your account, hit the claim button, provide us with the details of the claim and we will take care of the rest.

If you ever get stuck, you will always have your Customer Champion on hand to help.

Real-time claims tracking

Being able to track claims in real-time brings confidence and peace of mind. This is why we offer real-time claims tracking at Waggel.

From the moment you make a claim until the decision has been made, you are able to track the progress of your claim.

A man with his dog at a laptop

Membership Platform

We are an insurance company, sure, but we liked the idea of going beyond just pet insurance.

That is why we built our Membership Platform. A pet owner’s best friend, offering membership benefits and perks, such as discounts on dog and cat brands and unlimited cost-free support though online video calls with vets, behaviourists and nutritionists.

Free 24/7 vet video calls

We've partnered with Joii to bring Waggel members exclusive access to free 24/7 online vet care.

Schedule immediate consultations and connect with a qualified UK-based vet through one easy-to-use app.

Free dog behaviour & nutrition consultations

Puppies play up and sometimes our mutts can get too much - it’s no secret.

We’ve all been there, staring in disbelief at how something so small and beautiful can be such a handful! This is exactly why we offer free dog behaviour consultations with an expert in the industry - Heal The Dog.

Our customers have access to free video consultations, which are usually worth £150.

Food partners

Nutrition is important for our pet’s health, wellbeing, and happiness.

The right diet can help your little puppy or kitten grow big and strong, have healthy insides, teeth and bones.

They also love to eat, hence the happiness! This is why, in the past, we have partnered with a tasty selection of pet food partners, such as Butternut Box, who provide mouth-watering discounts (and the occasional freebies).

Butternut Box 
Hailing as the first UK’s home fresh dog food delivery subscription service Butternut Box food is healthy, freshly prepared and delivered directly to your and your pup’s door.

Made with human-grade meat and a range of highly nutritious recipes, it’s an all-time favourite.
Back in 2013, a small group of people came together to solve a problem at the heart of pet food: despite the overwhelming choice of one-size-fits-all food in the shops, there was never anything that could tick all the boxes.

And so began, assembling a team of experts including vets, nutritionists and engineers (and their dogs) to develop a super-smart way to create a unique recipe for every single dog – yes, even yours.

You might need to get a louder doorbell to be heard over your cat’s purring with this one. 100% premium meat, which is fresh, all natural, and delivered straight to your door.

100% natural ingredients, grain and cereal-free - it might be one of the first cat meal subscription companies in the UK.

Accessory partners

After all, everyone loves an accessory.

We know when you look good you feel good and so previously we’ve partnered with some amazing accessory brands to add an extra strut to your mutt.

Cocopup is the home of Instagrammable dog accessories. They're a female-led dog brand all about matching dog and human accessories. From harnesses to viral dog walking bags, there’s something for every pup and parent.

Human partners

Self-love is also important!

Pets get the crème de la crème of food, treats, love, and attention, so why shouldn’t you? In past months, we partnered with some amazing human-loving brands to keep you covered to keep you covered and smiling throughout the day.

Morning, afternoon, and evening - we got you.

Pets are happiest at home, and vets agree. Find trusted, verified animal-loving sitters to provide cuddles and care for your pets.

Beans Coffee Club
Say hello to speciality coffee, exclusive coffees and the best roasters…

With the largest selection of speciality coffees, from the UK’s best roasters and with a variety of ways to explore and purchase them in a simple, flexible and convenient way. Beans Coffee Club are on a mission to create the no.1 speciality coffee marketplace in the UK and make speciality coffee accessible for all.

Audible is an Amazon subscription service offering audiobooks, podcasts and more. If you're looking for somewhere to source your favourite auditory entertainment, Audible is the perfect platform for you.

It offers a huge variety and a number of titles, all wrapped up in an affordable subscription package.

A dog with a stick

Our values and personality

Animals and our love for them is the driving force behind Waggel. It’s why we started Waggel, and it’s what pushes us forward every day.

Be it the insurance policies we offer, the monthly refreshing membership perks, our ever-evolving tech and digital or the way we interact with members, non-members and trolls, we pride ourselves on offering the very best of the best and won’t accept anything less.

Simple. Human. Beautiful.

At the heart of it all, we are a pet-adoring, tech-enthusing start-up on a mission to reimagine pet insurance whilst simultaneously making pet owners' lives as enjoyable as possible.

When it comes to our customers, the pet owners we interact with and the brands we work with, we offer continuous support and when it comes to our community, we’ll always go the extra mile.


Questions! Whether it is about the pet insurance policies we offer, things we do and don’t cover, or what our favourite cat/dog movie is (Garfield), we love answering them.

Here are some of the most frequently asked questions. For more, you can head to our frequently asked questions blog or get in touch.

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 your pet for life.

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 a maximum of £15,000 per year.

You can choose which limit best suits your pet.

What does Claim Contribution mean?

Your Claim Contribution, aka excess, is the amount which you would pay towards a claim per condition per year.

You can select your Claim Contribution from £0, £50, £100, £200, £250 or £500.

What else does my Waggel policy cover?

Waggel covers the following as part of our Lifetime policy:

  • Vet bills for accidents, injuries and illnesses - Including dental

  • Purchase price in the event your pet goes missing, strays or passes away

  • Public liability for dogs - in the event they cause damage to somebody else's property or another person

How do I make a claim?

Just log in to your member dashboard and select ‘Make a Claim’.

Answer a few questions and we will take over from there (no need to fill out any long boring insurance forms with your vet - we will contact them directly for the medical history and invoice).

More information can be found at Waggel claims.

Waggel Pet Insurance

Need more help? You're in luck if you're a Waggel Pet Insurance member. Along with our excellent coverage, we offer access to a 24/7 online vet to answer all your sticky questions, especially if you need grooming assistance.

Not a member? Why not get a quote now and cover your furry friend for a range of illnesses, all while enjoying our amazing perks and rewards.

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