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 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.
We don’t provide any quotes over the phone. To get a quote all you need to do is head to our homepage and hit the ‘Instant Quote’ button.
After you’ve entered the necessary information about your pet, you will then be able to choose your Annual Limit and Excess (Claim Contribution), which allows you to find the perfect policy to suit your coverage and budget needs.
We only offer a Lifetime policy here at Waggel.
Your Annual Limit is the total amount that you can claim for veterinary medical bills each policy year.
If you reach your Annual Limit, you won't be able to cover any further treatments in the policy year, but the Limit will refresh when your policy renews.
Your Excess (Claim Contribution) is the amount that you will contribute to the treatment for each unique condition before Waggel is able to pay out.
This would be payable per condition, per policy year and it resets upon renewal along with your Annual Limit.
You certainly can. We are one of the few providers that allow you to make changes to both your Annual Limit & Excess (Claim Contribution).
You can make changes within the first 7 days from the start date of your new policy, and then 30 days before your policy is due to renew.
You will receive an email 30 days before renewal to remind you.
A pre-existing condition is a condition that occurred before you insured your pet with us. This includes anything that occurs within your 14-day warm-up period.
We do! Our policies cover up to £1,000 for dental treatments, per policy year as standard.
This covers treatments for accidents and illnesses, so long as your pet doesn't have any pre-existing dental conditions.
We will need your vet to confirm that your pet’s teeth and gums were healthy within the last 12 months.
If your vet recommends dental treatment, it must be carried out within 3 months.
For our full guide to cat and dog dental care, click here.
Sub-Limits refer to certain treatments within your Annual Limit that have a maximum claim amount. These limits are as follows:
Complementary treatments: £1,000
Behavioural treatments: £1,000
Dental treatments: £1,000
These are here to keep your policy affordable.
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.