We are all about being human. This means simplifying and personalising pet insurance.
Simplified
We only offer Lifetime policies that are designed to cover everything pet owners expect. Our policies are adjustable by Annual Limit and Excess (Claim Contribution), allowing you to make the necessary changes to get a policy to suit your coverage and budget needs.
Personalised
Every Waggel member is assigned a UK vet nurse. All our vet nurses are qualified, UK-based, and 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.
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.
Everyone's circumstances are different, and sometimes life events, health conditions, or personal situations can make it harder to manage day-to-day tasks like insurance. If there's anything you'd like us to be aware of so we can better support you, you can share it with us through our support form, it only takes a couple of minutes.
Sharing is completely optional, and you only need to tell us what you feel comfortable with. Anything you do share will be kept secure and processed in line with our Privacy Policy.
Share your circumstances with us.
Your price might increase on renewal.
As pets get older, they are more likely to go to 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.
Co-payment is an additional excess you pay towards each claim. It’s usually a percentage of the vet bill and is paid on top of your standard excess.
Many insurers make co-payments mandatory as pets get older. At Waggel, we give you the choice instead. You can opt into a 20% co-payment on new policies, or at renewal, if it works better for you, regardless of your pet’s age.
We started trading in December 2018 meaning we're now 7 years old - or 49 if you ask your dog.
You are able to remove the triage add-on within 7 days from when your policy starts and 30 days prior to renewal. You can make the changes by logging into your account and going to the relevant pet in the My Pets section and clicking 'Change Cover'.
If you're unhappy with the outcome of your claim then you are able to dispute the decision and we'll be happy to reassess it for you.
You can dispute a claim in one of two ways. You can find the 'Dispute' button on your claim summary by clicking the link in the confirmation email that was sent to you when your claim was processed, or you can head to 'My Insurance' on our website, click on the claim, view the breakdown and click the dispute button.
You will be able to provide any supporting information to let us know why you are disputing this. Your vets can also provide us with supporting evidence.
Once we have gathered all the additional information that we need, your claim will be reassessed in full by a different claim assessor.
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 cancel your policy by logging into your account, heading to 'My Insurance' and clicking 'View Policy' on the specific pet's policy you want to cancel. Just scroll down until you reach the policy cancellation section.
Please bear in mind that any conditions we have been able to cover may be considered pre-existing if you were to take out a future policy with Waggel.