Lifetime pet insurance, made simple.
Choose the annual limit that works for you and enjoy refreshed cover every year when you renew, so long as your policy stays active. Less confusing insurance. More time for the pet stuff that matters.
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What is lifetime pet insurance?
Lifetime pet insurance is designed for long-term reassurance. With Waggel, your chosen annual limit refreshes each year when you renew, so ongoing eligible conditions can continue to be covered up to the limit while your policy stays active.
With Waggel, you can choose a level of cover that works for you and your pet, then manage your policy online whenever you need to.
How Waggel lifetime cover works.
With Waggel, you choose your annual limit and keep your policy active. When your policy renews, your annual limit refreshes for the new policy year, subject to policy terms.
This can be helpful if your pet develops an eligible ongoing condition that needs care across more than one policy year. Claims still depend on your policy terms, exclusions, limits and whether the condition is eligible.
Lifetime, time-limited or maximum benefit cover.
Waggel only offers lifetime cover because it's designed for ongoing reassurance.
Waggel lifetime pet insurance includes:
Waggel lifetime pet insurance can help with eligible vet bills, dental treatment, complementary treatment, behavioural treatment, purchase price cover, dog third-party liability, online vet support and vet nurse support, subject to policy terms.
Who is lifetime pet insurance useful for?
Lifetime pet insurance can suit puppies, kittens, adult pets and older pets where owners want long-term support if eligible conditions continue over time.
What lifetime pet insurance doesn't cover.
Lifetime cover does not mean everything is covered forever. Claims still depend on policy terms, exclusions, limits and whether the condition is eligible.
Waggel Rewards.
Make pet ownership even more rewarding with Waggel Rewards. As a Waggel customer, you can unlock exclusive discounts, offers and perks from a wide range of trusted pet and lifestyle brands.
Biscuit Plus: Free with your Waggel policy
Download the Biscuit app, link your dog’s Waggel policy and get Biscuit Plus for free (usually £3.99/month). Benefits include:
5x more Biscuits to earn
A free PitPat activity tracker
Access to all Biscuit rewards
The opportunity to earn up to £10 per month back in vouchers
Track your dog’s walks and wellbeing while earning rewards along the way.
Popular Waggel Rewards
Enjoy exclusive offers and discounts from a wide range of trusted pet, lifestyle and insurance brands. Rewards are regularly updated and may include savings on pet food, treats, toys, accessories, healthcare, DNA testing, insurance and more.
You’ll also find offers from a growing selection of partner brands, with new rewards added throughout the year.
How claims work with Waggel.
Making a claim should not feel like one more thing to worry about. With Waggel, members can start a claim online through their account.
Step 1: Log in to your Waggel account
Head to your account and choose the option to make a claim.
Step 2: Tell us what happened
Add the basic details about your dog, the condition or treatment, and the vet visit.
Step 3: We contact your vet
Waggel will request the full medical history and invoice from your vet, so the claim can be reviewed.
Step 4: We review your claim
Your claim will be assessed against your policy terms, cover limits and exclusions.
Step 5: We keep you updated
Your vet nurse is there to support you and help keep things clear along the way.
That's it!
It's really that easy.
Why pet insurance matters.
Lifetime pet insurance can help owners plan for eligible accidents, illnesses and ongoing conditions while their policy stays active. With Waggel, you can choose your annual limit, adjust your excess (Claim Contribution) and manage your policy online.
Pet insurance FAQs.
Lifetime pet insurance means your chosen annual limit refreshes each year when you renew, so eligible ongoing conditions can continue to be covered up to the limit while the policy stays active.
Yes. Waggel only offers lifetime policies.
Yes. The annual limit refreshes when your policy renews, as long as you keep your policy active.
It can cover eligible ongoing conditions up to the annual limit, provided the condition is not pre-existing and the policy remains active.
No. Time-limited cover usually limits how long a condition can be claimed for. Lifetime cover refreshes the annual limit each year when renewed.
We don't cover any pre-existing conditions or anything that happens as a result of a pre-existing condition.