What’s covered by Waggel Pet Insurance?
A clear guide to the things Waggel can help with, the things we cannot cover and the policy details worth checking before you join the pack.
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What's included in a policy?
Lifetime cover only
Waggel keeps things simple by offering lifetime cover only.
Adjustable annual limit and excess
Choose cover options that work for you and your dog.
Up to £15,000 cover
Waggel offers up to £15,000 of flexible cover.
Dental treatment sub-limit
£1,000 dental treatment sub-limit for eligible accidents and illnesses.
Complementary treatment sub-limit
Complementary treatment sub-limit
Behavioural treatment sub-limit
£1,000 behavioural treatment sub-limit.
Online pet support
Free online vet video calls, behaviour and nutrition consultations.
UK-based vet nurse
Support from your own UK-based vet nurse.
What does Waggel cover?
Waggel pet insurance can help with eligible vet bills if your pet has an accident, injury or illness. Your cover is based on your chosen annual limit and is subject to the policy terms, limits and exclusions.
Waggel can also include specific benefits such as dental treatment, complementary treatment and behavioural treatment sub-limits. Some areas are not covered, including pre-existing conditions, routine care and treatment during the 14-day warm-up period.
Cover at a glance.
Here's a simple overview of the main areas Waggel pet insurance can help with. This is only a summary, so always check the full policy wording for complete details, exclusions and limits.
Medical bills.
Waggel can help with eligible vet bills for accidents, injuries and illnesses up to the chosen annual limit, subject to policy terms. This can include consultations, diagnostics, procedures and medication where these are linked to an eligible condition.
Medical bills are the core part of the cover, but claims still depend on eligibility, the annual limit, sub-limits and exclusions.
Dental, complementary and behavioural treatment.
Dental treatment, complementary treatment and behavioural treatment each have a £1,000 sub-limit inside the annual limit.
For dental treatment, Waggel covers up to £1,000 for eligible dental treatment per policy year, provided policy terms and dental health requirements are met. Complementary and behavioural treatment can also be covered where eligible, with each area having its own £1,000 sub-limit.
Purchase price cover.
Waggel can cover a portion of the purchase price paid when adopting the pet, up to £1,000 if the pet passes away, is stolen or goes missing, subject to terms.
Purchase price cover may help in specific difficult situations, subject to the policy wording. Customers should check the policy documents for the full details and conditions.
Third-party liability for dogs.
Dog third-party liability can cover up to £2 million if your dog is responsible for injuring or damaging another person or their property, subject to exclusions.
Please note that third-party liability does not apply to cats.
What is not covered?
Waggel does not cover everything, so it is important to understand the main exclusions before buying cover. Key exclusions include the 14-day warm-up period, routine care, elective treatment, preventative care, pre-existing conditions and other exclusions listed in the policy wording.
Customers should read the full policy wording before buying cover so they understand what is covered, what is not covered and which limits apply.
How claims work.
Making a claim shouldn’t feel like one more thing to worry about. With Waggel, members can start a claim online through their account.
Customers can log in, choose Make a Claim, provide the basic details and then Waggel will request the full medical history and invoice from the vet. The claim is then assessed against the policy terms, cover limits and exclusions.
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.
Before you buy.
This page is a summary of Waggel pet insurance and is designed to help explain our cover in plain English. It does not replace the full policy wording.
Before buying cover, please read the policy documents carefully so you understand what is covered, what is not covered, the limits that apply and any exclusions.
What’s covered FAQs.
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.
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.
We do! Every Waggel policy includes up to £1,000 a year for dental treatment following an accident or illness, at no extra cost.
There are three things we need from you to keep that cover valid:
• A vet has checked your pet's teeth in the last 12 months, and it's noted in their records (this usually takes place at an annual health check or booster appointment)
• Those checks keep happening every year
• Any dental treatment your vet recommends is carried out within 3 months
If those three things are in place and your pet has no pre-existing dental conditions, you're covered. If they're not, we won't be able to pay the claim.
For our full guide to cat and dog dental care, click here.
Yes. Waggel has a £1,000 sub-limit for complementary treatment within the annual limit.
Yes. Waggel has a £1,000 sub-limit for behavioural treatment within the annual limit.
The first 14 days of your policy will be your warm-up period.
During this time, you will be covered for third-party liability (if you insure a dog with us), but we won't be able to cover the cost of any treatment that occurs within the warm-up period.