You will need to log in to your account. From there, click the 'Make a Claim' on the pet you would like to make a claim for.
You’ll just need to let us know a few things such as the type of claim, veterinary practice visited, and the payment details.
Once we’ve received your claim we will reach out to the vet and request a full medical history for your pet and an invoice, so you won’t need to send us these.
Claims usually take around 7 days to process from when they are submitted, but this can take up to 14 days or longer, depending on how quickly we get the details from your vet.
It normally takes us around 7 days, but we aim to have claims processed within 14 days from submission.
This is mainly dependent on how quickly we can gather all the information from your vet.
Yes, updating your address may change your monthly premium.
This is because the cost of veterinary care can vary significantly between regions, especially between rural and urban areas. It’s important to note that the change in price isn’t just based on the vet you’re registered with.
We calculate premiums using regional data, which takes into account the typical costs of veterinary services in your area, including things like demand and local property costs. So even if you don’t change your vet, a new address can still affect your policy price.
Waggel policies are meant for household pets only and do not cover working pets, including pets used for breeding.
Our policies don't cover pets used for breeding or pregnancy-related costs, whether as a business or not. If your pet falls pregnant by accident while covered, we are unable to cover any costs relating to the pregnancy or birth.
No - we do not cover XL Bullies, or any dog that has been bred to resemble or is descended from an XL Bully. This also includes any dog that has been subject to a government exemption application.
Co-payment is an additional excess that you pay towards each claim. It is normally a percentage of the medical invoice and it would be in addition to your regular excess.
Most providers put in a mandatory co-payment in your pet's later years - we’ve elected to do away with any co-payments, no matter your pet's age on all new policies.*
*Co-payment may still apply to older policies.
If you are expecting a treatment to happen in the future and you want to check that it will be covered, you can always submit a Pre-Authorisation request to us.
To submit a Pre-Authorisation, you’ll need to log in to your account. Click the 'Make a Claim' button for the pet. Select the option, ‘I have a vet bill to claim for’, and then select, 'I would like to submit a Pre-Authorisation claim request'.
You’ll need to know where the treatment is happening and an estimate of the cost.
Once you have submitted your Pre-Authorisation claim, we’ll reach out to the vets to ask for the medical history and their estimate so we can assess this for you.
When we've received the documentation from your vet, we'll aim to answer your request within 48 working hours.
A cross-breed dog is a dog whose parents are two different breeds, and a mixed-breed dog is generally one whose parents are three or more different breeds or of unknown parentage.
Changes in your personal details, such as your address, pet’s breed, or pet type, will often result in a price change to your monthly premium. You can read more about this in your policy wording document.
No. If someone takes your pet to the vet whilst you (the policyholder) are away, you will not be penalised for not using the Joii service, as Joii would need to speak to you directly.