Wagmo
Wagmo is a tech-first pet wellness company built with new pet parents in mind. Wagmo's wellness and insurance plans empower pet parents to get the care they need for their pets when they need it the most. Wagmo alleviates the financial stress of routine and emergency pet care from grooming to essential maintenance, cancer treatments, and emergencies without having to compromise. Pets are an integral part of everyday life, and pet parents are spending more than ever to make their pets are happy and healthy. However, pet care can be expensive, significantly when surgeries, prescriptions, and emergency visits can quickly add up to thousands of dollars. Since pet care is such a booming industry, pet insurance companies have been growing and offering many different services and coverages to meet the demand of pets and their parents. Wagmo is a relative newcomer to the industry, but they offer an excellent suite of pet coverage broken into two segments; Pet Wellness for everyday care and Pet Insurance which is more traditional and covers medical expenses. This review will discuss the Wagmo’s benefits and coverage and help you determine if they are a good choice for you and your pet.
- Fastest claim reimbursement in the industry - in 2 days paid by Venmo, PayPal or direct deposit.
Save On Pet Care Costs With Wagmo
Wagmo offers two primary services that pet parents can purchase together or separately if their pet qualifies. Since Wagmo has different services, you will want to consider your pet’s needs and see which plan fits your budget.
To make their service more attractive to customers, they offer multi-pet discounts, which reduce your premium by 5% if you insure multiple pets with Wagmo.
Pet Wellness
Pet Wellness is designed as a holistic health service for your pet, and it helps pay for many routine services and preventative care to keep your pet healthy.
There are three levels to Pet Wellness that consumers can compare and choose to suit the needs of their pet depending on their health and stage of life:
- Value Plan $20/month – The Value Plan offers up to $350 in annual reimbursements and covers routine exams, vaccines, routine blood work, and fecal tests.
- Classic Plan $36/month – The Classic Plan offers up to $650 worth of annual reimbursements and covers routine exams, vaccines, routine blood work, fecal tests, urinalysis, $100 flea/tick/heartworm, and up to $100 in grooming services.
- Deluxe Plan $59/month – The Deluxe Plan is the most extensive pet wellness plan, and it is recommended for puppies that may need extra care. The Deluxe Plan reimburses up to $1,100 annually and covers routine exams, vaccines, routine blood work, fecal tests, urinalysis, $200 flea/tick/heartworm, up to $200 in grooming services, and $100 of dental care.
Pet parents can choose whichever level they feel fits their pet best, and they can purchase a wellness plan either standalone or paired with an insurance policy.
Back To Top ↑Pet Insurance
Depending on your choice, you will choose your deductible, determining your monthly premium for your pet coverage. Getting a quote is simple, and you start by entering your pet’s name and breed. Once you start the quote, Wagmo will prompt you to enter other details about your pet so it can provide an accurate estimation.
If you get a pet insurance policy through Wagmo, there is a waiting period before submitting your first claim. Wagmo offers extensive coverage with some notable exceptions:
Covered Expenses
- Hospital stays
- Emergency vet visits
- Surgeries
- Prescription medications
- X-Rays
- Cancer treatment
- Pet ambulance
- Hereditary and congenital conditions
- Hip dysplasia
- Ultrasounds
- CT scans
- End of life care (euthanasia)
- Laboratory tests
- Prosthetics and orthopedics
Exclusions
- Spaying/neutering
- Preventative care
- Vitamins/supplements
- Boarding
- Prescription food
- Hydrotherapy
- Training/obedience class
- Biohazard fees
- Dental surgeries
- Pre-existing conditions
- Breeding, pregnancy, or birth expenses
- Cosmetic surgeries (ear cropping, tail docking, declawing)
Claims
Submitting claims and getting paid from Wagmo is simple, and it offers lots of flexibility with your service provider.
Select Your Service Provider
Wagmo lets you choose which vet or pet care provider you want without the need for a network. Since you can choose your provider, you can ensure that your pet works with a vet that fits it best, and you can choose which groomer to go to if you also carry a pet wellness plan which offers grooming reimbursements.
Upload The Bill
Once you take your pet to the care provider, you can digitally upload your bill to the Wagmo app, which generally processes claims in 24 hours or less. Digital uploads are much faster than filling out claims forms; instead of sending an email and typing out the services, all Wagmo requires is a picture from your smartphone.
Get Reimbursed
Once Wagmo processes and approves your claim, you will get it paid out to the best banking option for you. You can set up a bank account or use Venmo or PayPal to receive the funds.
Back To Top ↑Final Thoughts
Wagmo is a simple and powerful pet insurance and pet wellness provider. Since people are investing in their pets more than ever, it’s promising to see tech-driven insurance providers meet pet owners where they need financial assistance.
If you want to learn more about pet insurance and compare other top providers, be sure to check out our other guides and reviews!
Back To Top ↑