In a world where pets are considered companions and part of family members, many pet owners have made it a priority to take care of their pets by placing a high value on their health and well-being through insurance. Wagmo Pet Insurance offers a comprehensive insurance plan that is intended to give pet owners peace of mind by offering coverage for unexpected veterinary costs. The pet insurance offered by Wagmo is easy to navigate, as they have made it easier for people to select the ideal coverage from the variety of plans they have.
In addition to relieving pet owners of financial burdens, Wagmo pet coverage supports the health of pets with comprehensive coverage for accidents and illness. They also offer wellness plans for those who seek additional coverage for their pets. In this write-up, we will provide a detailed explanation of Wagmo pet coverage, highlighting the coverage, exclusions, cost, and other useful information.
About Wagmo Pet Insurance
Wagmo pet insurance was established in 2018 by Alison Foxworth and Christie Horvath, with the primary aim of granting pet owners access to all-inclusive coverage for their furry friends. It is a US-based company that provides a wide range of pet insurance plans tailored to meet the various needs of pet owners.
This company is renowned for its flexible pet insurance policies, which include wellness plans and customizable coverage options. Wagmo prioritizes customer service and works to make the claims process easier for pet owners. It also offers 24/7 access to medical advice to help pet owners maintain their pets’ health and well-being.
What Does Wagmo Pet Insurance Cover?
Wagmo pet coverage has a wide range of coverage that meets the various needs of pet owners. Typically, the policy offers coverage for
- Prescription medications.
- Hospital stays.
- Emergency card visits.
- X-rays.
- CT scans.
- Cancer treatments.
- Ultrasounds.
- Surgeries.
- Pet ambulance.
- Hip dysplasia, only after 15 days.
- Congenital conditions.
- Hereditary conditions.
- Chronic conditions.
- End-of-life care.
- Broken bones.
- Bite wounds.
- Metabolic conditions.
- Respiratory disease.
- Wagmo Wellness Plan Covers
- Vaccines.
- Routine blood work
- Grooming dental cleaning.
- Flea and heartworm prevention.
- Wellness office visits.
What Is Not Covered?
Here are examples of some of the common exclusions of a Wagmo pet policy:
- Pre-existing conditions.
- Preventive care, such as spaying, neutering, and wellness exams.
- Behavioral treatments.
- Prescription food, whether or not it was prescribed by your vet.
- Cosmetic surgeries.
- Vitamins and supplements.
- Dental surgeries.
- Biohazard fees.
- Hydrotherapy.
- Breeding.
- Pregnancy and birth expenses.
A Wagmo pet insurance policy will also not cover any expenses related to a condition in which you were asked to give preventive care by your vet and you were negligent about it. In addition, it won’t provide coverage for expenses related to training and obedience classes.’
Pros
There are various benefits you stand to enjoy from purchasing Wagmo pet insurance; they include the following:
- It has a user-friendly mobile app.
- Offers live chat.
- Access to wellness coverage for those who seek adequate protection for their pet.
- Offers a 10% multi-pet discount.
- Exam fee coverage.
- 100% reimbursement rate available.
- Access to a 24/7 veterinary professional hotline.
Cons
While Wagmo pet coverage offers several advantages, it also comes with its disadvantages. Enumerated below are some of the downsides of Wagmo pet insurance:
- Only available in 40 states.
- Does not cover behavioral treatments and prescription food.
- Does not offer hip dysplasia coverage for pets older than 6 years.
- Coverage is not available for pets of 15 years and above.
- Wellness plans do not include coverage for neutering or spaying procedures.
- 15-day waiting period for accidents and 3 days for cancer.
How Much Does Wagmo Pet Insurance Cost?
The actual amount you get to pay for purchasing a Wagmo pet policy typically depends on your location, your pet’s age, and the type of breed it is.
The price of Wagmo pet insurance varies significantly; the amount you will be charged is contingent on the age and breed of the pet you’re insuring. Here’s a table that illustrates the average cost of Wagmo pet coverage for both dogs and cats according to Nerdwallet:
For Dogs:
| Breed | 2 Years Old | 8 Years Old |
| German Shepherd | $66 | $114 |
| French Bulldog | $96 | $144 |
| Golden Retriever | $57 | $98 |
| Labrador Retriever | $57 | $98 |
| Poodle | $63 | $108 |
| Medium Mixed-Breed Dog | $55 | $82 |
For Cats:
| Breed | 2 Years Old | 8 Years Old |
| Devon Rex | $36 | $48 |
| Maine Coon | $36 | $48 |
| Persian | $36 | $48 |
| Domestic Shorthair | $36 | $48 |
| Exotic Longhair | $36 | $48 |
| Ragdoll | $36 | $48 |
FAQs
How Much Is Wagmo Pet Insurance?
If you are insuring a dog, the cost of coverage per month is around $13, but for cats, the cost of coverage is $9 per month. The average cost of a Wagmo pet policy is around $20 to $30, depending on the type of pet you are insuring and the coverage option.
Does Wagmo Pet Insurance Cover Neutering or Spaying?
No, Wagmo Pet coverage does not offer coverage for neutering and spaying procedures. There are other types of coverage provided under a Wagmo pet insurance policy; you can check your policy document to get a better idea of what it covers, including its exclusions.
Does Wagmo Pet Insurance Cover Hip Dysplasia?
Provided it is not a pre-existing condition, Wagmo pet insurance offers coverage for hip dysplasia. More often than not, the coverage is only applicable to pets under the age of 6.
