Puppy insurance for the tiny chaos stage.
Your puppy is learning the world one sniff, nibble and zoomie at a time. Waggel lifetime cover helps protect them from unexpected vet bills as they grow.
Jump to:
What is puppy insurance?
Puppy insurance helps protect your pup from the start of their life with you, before small accidents, curious moments and unexpected illnesses turn into expensive vet bills. Waggel offers lifetime cover that can grow with your puppy as they become an adult dog.
With Waggel, you can choose a level of cover that works for you and your puppy, then manage your policy online whenever you need to.
Why insure a puppy early?
New puppies can have unexpected accidents or illnesses while they are learning about the world. They can slip, chew things they should not, pick up tummy troubles or need treatment sooner than expected.
Many insurers do not cover pre-existing conditions, so waiting until something happens can create exclusions later. Taking out puppy insurance early can help protect your puppy before symptoms, injuries, or illnesses become part of their medical history.
Accidents can happen
Puppies are curious and still learning, so small accidents can happen quickly.
Accidents can happen
Puppies are curious and still learning, so small accidents can happen quickly.
Illnesses can appear early
Unexpected illnesses or tummy troubles can happen while puppies are still young.
Illnesses can appear early
Unexpected illnesses or tummy troubles can happen while puppies are still young.
Waiting can create exclusions
Conditions that happen before cover starts may be treated as pre-existing later.
Waiting can create exclusions
Conditions that happen before cover starts may be treated as pre-existing later.
What does Waggel puppy insurance cover?
Waggel puppy insurance can help with eligible vet bills for accidents, injuries and illnesses, up to your chosen annual limit and subject to policy terms.
Cover can also include eligible dental treatment, complementary treatment, behavioural treatment, purchase price cover and dog third-party liability, subject to limits, terms and exclusions.
What is not covered for puppies?
Puppy insurance is there to help with unexpected eligible accidents, injuries, and illnesses. It is not designed to cover routine or predictable first-year care.
Routine and preventative care such as vaccinations, neutering, flea and worming treatment and grooming is not covered by Waggel. Pre-existing conditions are also not covered, including conditions or symptoms that happen before the cover starts or during the 14-day warm-up period.
What affects puppy insurance costs?
Puppy insurance prices can vary because every puppy is different. The cost of your policy may depend on things like your puppy’s age, breed, location, chosen annual limit and excess (Claim Contribution).
Your quote is the best way to see the price for your puppy because it is based on your puppy’s details and the cover options you choose.
Growing with your puppy.
Your puppy will not stay tiny forever, even if they still act like it. With Waggel lifetime cover, the policy can continue as your puppy grows into an adult dog, as long as the policy stays active and is renewed each year.
Your annual limit refreshes each year when you renew, subject to the policy terms.
Helpful puppy content.
New puppy life comes with questions. A lot of them. Waggel is here to help at every stage of your journey together.
Dog breed guides
Helps owners understand breed traits, needs and health considerations.
Dog breed guides
Helps owners understand breed traits, needs and health considerations.
Waggel Rewards.
Make puppy 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 puppy’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 puppy’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 puppy, 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 lifetime puppy insurance matters.
With lifetime cover, your annual limit refreshes each year when you renew. This can be helpful if your puppy develops an eligible ongoing condition that needs care across more than one policy year.
That does not mean everything is covered forever. Claims still depend on your policy terms, exclusions, limits and whether the condition is eligible. But lifetime cover can give puppy owners a clearer way to plan for longer-term care.
Puppy insurance FAQs.
Owners often consider puppy insurance as soon as they bring their puppy home, (a minimum of 8 weeks old), because conditions that happen before cover starts may be treated as pre-existing.
No. Routine and preventative care, such as vaccinations, neutering, flea/worming, and grooming, is not covered by Waggel.
Waggel covers up to £1,000 for eligible dental treatment per policy year, subject to policy terms and dental health requirements.
With Waggel lifetime cover, the policy can continue as your puppy grows, provided it remains active and is renewed each year.
We don't cover any pre-existing conditions or anything that happens as a result of a pre-existing condition.
Waggel members have access to online vet video calls, behaviour and nutrition consultations through the Membership Platform.