Pet insurance from people who genuinely get pets.
Waggel combines simple lifetime pet insurance with real human support. Every member gets a personally assigned UK-based vet nurse, plus a digital claims process, online pet care, and member rewards.
Why choose Waggel?
Waggel is designed to make pet insurance feel simpler, more personal and easier to manage.
We only offer lifetime policies; every member is assigned a UK-based vet nurse, and claims can be started and tracked online. Members also get access to online vet care, behaviour and nutrition support, plus rewards and discounts through the Membership Platform.
The Waggel difference at a glance.
Your own vet nurse.
Pet insurance can feel especially confusing when your pet is unwell. That is why every Waggel member is assigned a personal vet nurse. All vet nurses are qualified, UK-based veterinary nurses who can help with service questions and guide members through their claims.
Your vet nurse adds a human layer to Waggel’s digital service. They can help explain what is happening, provide updates and make it easier to understand the next step when you need support.
Simple digital claims, with human support.
Waggel members can start a claim through their online account without paper forms. Log in, choose Make a Claim and provide a few basic details, including the type of claim, the veterinary practice visited and payment information. Waggel then contacts the vet to request the pet’s full medical history and invoice.
Members can track claim progress online in real time, while their vet nurse is there to help if questions come up. Waggel can accept claims involving any UK-registered veterinary practice and can pay the vet directly where the practice agrees.
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.
Lifetime cover made easier to understand.
Waggel keeps the product choice simple by offering lifetime pet insurance only. With lifetime cover, the chosen annual limit refreshes each year when the policy is renewed, subject to the policy terms. This can help with eligible conditions that need treatment over more than one policy year.
Members can choose an annual limit and excess (Claim Contribution) that suit their coverage and budget needs. Waggel currently offers vet-fee cover up to £15,000, with dental treatment for eligible accidents and illnesses included up to a £1,000 sub-limit.
Support beyond an insurance claim.
Being a Waggel member means getting help in the months when you are not making a claim too. Members have access to 24/7 online vet care through Joii, plus behaviour and nutrition consultations through Waggel’s Membership Platform.
These services can offer reassurance and practical guidance from home. They do not replace an in-person veterinary appointment when one is needed, and the service provider may recommend visiting a physical vet practice.
24/7 online vet care.
Access online vet support through Joii at no additional charge for members, subject to the current service terms.
Behaviour consultations.
Book behaviour support through Waggel’s Membership Platform with the current specialist partner.
Nutrition consultations.
Book nutrition guidance through Waggel’s Membership Platform with the current specialist partner.
Rewards for you and your pet.
Waggel members can access rewards and discounts from independent pet and lifestyle brands through the Membership Platform. Offers can include savings on pet food, treats, accessories, preventative care, pet-sitting services and other useful products for pet owners.
For eligible dog policies, Biscuit Plus is included free and can provide additional rewards and a PitPat activity monitor, subject to the current offer terms. Rewards and partners change over time, so current offers should always be checked in the Membership Platform.
Trusted by pet owners.
Pet owners often tell us that clear communication and an easy claims journey matter just as much as the policy itself.
I have to say never in my adult life have I ever claimed on pet insurance before. This was so straightforward and easy to use. Anxiety gone.
Is Waggel right for you?
Waggel is a good fit if you want lifetime cover, prefer managing your policy and claims online, value support from a qualified UK-based vet nurse and want pet-care services and rewards alongside your insurance.
Before buying, compare the annual limit, excess (Claim Contribution), sub-limits and exclusions against your needs. Read the policy wording carefully, especially the sections on pre-existing conditions and the 14-day warm-up period.
FAQs
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 in annual limit and excess, allowing you to shift up or down by one cover level to find a policy that suits 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.
Yes. All of our vet nurses are qualified, UK-based veterinary nurses. They can help with service questions and provide support through the claims journey.
Log in to your Waggel account, select Make a Claim and provide a few basic details. We'll then request your pet’s full medical history and invoice from the vet before assessing the claim against the policy terms.
Yes. We provide online claim tracking so members can follow the progress of their claims through their accounts. A vet nurse can also help with questions and updates.
Yes. We only offer lifetime policies. Your chosen annual limit refreshes each year when you renew, subject to the policy terms and continued cover.
Members can access 24/7 online vet care, behaviour and nutrition consultations, plus current rewards and discounts through Waggel’s Membership Platform. Services and partners are subject to change.
We can definitely pay your vet directly.
However, we recommend that you first check that your vet is happy to accept direct claim payments. Not all vets accept direct payments, so it’s best to double-check with them.
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.