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- Wagmo is an alternative to traditional pet insurance.
- Its pet wellness plans cover routine health care and preventative medicine.
- There are three plan tiers, each with differing coverages and price points.
- Plans can be paid monthly or annually.
What we like:
Choose the level of coverage you want so you can avoid paying extra
|Plan Options||Basic, Legit, Extra|
|Monthly Premiums||$20 – $59|
|Maximum Reimbursement||$350 – $1,100|
If you’re a pet owner, then you know your furry friends can get expensive. From regular heartworm and flea medicine to the costs of wellness exams and other basic care, the pet-related expenses never seem to stop.
To help offset these costs, many pet owners look to pet insurance—a form of health insurance just for Fluffy and Fido. Wagmo is an alternative to these traditional pet insurance policies, offering comprehensive “pet wellness” plans instead.
This Wagmo review will dive into what pet owners can get with these wellness plans, as well as how they measure up to more traditional insurance options.
In this review:
- Wagmo pet wellness plans: At a glance
- What pet health plans does Wagmo offer?
- Pros & cons of Wagmo Pet Wellness Plans
- Eligibility & application requirements
- Wagmo alternatives
- Frequently asked questions
Wagmo pet wellness plans: At a glance
|Flea, tick, & heartworm medicine||No||Yes||Yes|
|Maximum annual reimbursement||$350||$650||$1,100|
What pet health plans does Wagmo offer?
Wagmo offers three distinct pet wellness plans, which vary in coverage and total reimbursement amounts. The highest-tier plan, dubbed the “Deluxe” plan, offers up to $1,100 per year in covered services, while the lowest-tier offers coverage up to $350.
Wagmo’s Value pet wellness plan is best if you have an overall healthy pet who simply needs an annual check-up and a few vaccines. If you have a high-needs pet (either grooming or health-wise), it might not be the best choice for your situation.
The Value plan includes pet health necessities like wellness exams (once per year), vaccines (twice per year), and routine bloodwork (once per year). The plan’s coverage maxes out at $350 in reimbursements annually.
It does not include the following areas of coverage:
- Flea, tick, or heartworm medicine
- Grooming services
- Dental care
The Classic plan is Wagmo’s second-tier offering. It’s your best bet if you want your pet’s basic health costs covered, while offsetting the costs of some of those extras.
The Classic plan includes everything the Value plan does, as well as one additional routine vaccine per year, $100 toward flea, tick, and heartworm medication, and an additional $100 toward grooming. It does not include any coverage for dental care.
The plan’s coverage maxes out at $650 in reimbursements annually.
Wagmo’s premier pet wellness option is the Deluxe plan. It’s a good choice if you know your pet will be in the vet’s, dentist’s, or groomer’s chair regularly, and you want to reduce those out-of-pocket costs.
The Deluxe plan includes all the services of the Value and Classic plans, but also comes with one additional routine vaccine per year, another $100 in coverage for flea, tick, heartworm, and grooming, and additional coverage for dental care (up to $100 per year).
The plan’s coverage maxes out at $1,100 in reimbursements annually.
Pros & cons of Wagmo
- No deductibles required
- Offers one-day reimbursement for eligible expenses
- Reimbursement claims can be filed easily online
- Options available for all health and need levels
- No waiting period to begin coverage
- Can use any vet or groomer you want
- Available nationwide
- Doesn’t cover emergency or catastrophic care
- Requires a 12-month commitment
- Cancellation fees if you cancel after the 24-hour grace period
- Lower coverage maximums than traditional pet insurance plans
- Only offered for dogs and cats
Eligibility requirements & application
Wagmo’s pet wellness plans are available nationwide in all 50 states. Any dog or cat is eligible for coverage, regardless of age or breed. Other animal species are not covered under Wagmo’s plans. There is no vet check or health assessment required to get coverage.
To apply for coverage, you simply fill out Wagmo’s online form. Input a few details about your pet and location, and you’ll see a recommended wellness plan in seconds. Once you select your plan, you’ll pay, agree to the terms of service, and you can start using your pet’s coverage right away.
Wagmo only covers routine health care and preventative medicine.
If you’re concerned about major expenses, like surgery or cancer treatment, or you know your pet is in very poor health, you might consider a traditional pet insurance policy instead. These typically cover emergency, surgical, and catastrophic health care.
Check out our wellness plans vs. pet insurance guide to see if pet insurance may be a better option for your pet.
Frequently asked questions
Wagmo offers preventative “pet wellness plans,” which are covered above, but has also recently started offering insurance plans as well. You can learn more about these plans on its website.
No. You can begin using your Wagmo plan as soon as you sign up and pay your monthly or annual fee. Just attend your pet’s appointment, scan your receipt, and upload it to the Wagmo platform for one-day reimbursement.
Yes. There are no limitations to which veterinarians, groomers, or dentists you can use, nor are there brand limitations on medications or other purchases. You can’t be reimbursed beyond your plan’s maximum, though.
Wagmo is available in all 50 states, as well as Washington, D.C.
Author: Aly Yale