WAGMO
Pet Insurance Review
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AVAILABILITY
Wellness plans (3 options) are available throughout the United States
COVERAGE LIMITS
$10,000 per incident
$20,000 annual
$100,000 lifetime
REIMBURSEMENT RATE
100% optional
TELEHEALTH ADVICE
Available 24/7
AVAILABILITY
Accident & Illness policies are not available in Minnesota, Kentucky, Alaska, Florida, Rhode Island, and Maine
NO ACCIDENT ONLY PLAN
Accident only plans offer optional lower coverage and related cost savings
COVERAGE
No coverage for alternative, holistic treatments, or rehabilitative
CLAIM PROCESSING
You pay the vet bill directly and then file a claim for reimbursement
WELLNESS / PREVENTIVE PLANS
Three plans are available and can be purchased without obtaining an Accident & Illness insurance policy
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Emergency vet visits
Virtual, In-home/In-Office care
Hospital stays
Surgeries
X-rays
Ultrasounds
CT scans
Laboratory tests
Cancer treatments
Hereditary conditions
Congenital conditions
Hip dysplasia (only pets under 6 years old)
End of life care
Pet ambulance
Prescription medication (1st 50% of cost covered)
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Monthly Cost:
$25
Annual Reimbursement:
$350 annual maximum
Services offered 1 time per year:
Office visits
Routine bloodwork
Fecal test
Services offered 2 times per year:
Vaccines
Services offered unlimited basis:
VETalk Chat
VETalk Video
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Monthly Cost:
$45
Annual Reimbursement:
$650 annual maximum
Services offered 1 time per year:
Office visits
Routine bloodwork
Fecal test
Urinalysis
Services offered 3 times per year:
Vaccines
Other Services:
Flea/Tick/Heartworm $100/year
Grooming $100/year
Services offered unlimited basis:
VETalk Chat
VETalk Video
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Monthly Cost:
$65
Annual Reimbursement:
$1,100 annual maximum
Services offered 1 time per year:
Routine bloodwork
Fecal test
Urinalysis
Services offered 2 times per year:
Office visits
Services offered 3 times per year:
VETalk Training
Services offered 4 times per year:
Vaccines
Other Services:
Flea/Tick/Heartworm $200/year
$100/year
Services offered unlimited basis:
VETalk Chat
VETalk Video
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Spaying / neutering
Vitamins / supplements
Prescription food
Boarding
Hydrotherapy
Dental surgeries
Biohazard fees
Training / obedience class
Cosmetic surgeries
Breeding, pregnancy or birth expenses
Pre-existing conditions
Alternative therapies including: acupuncture, holistic, homeopathic, chiropractic, physical thereapy
Preventative care (offered through 3 different wellness plans)
and more
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
AVAILABILITY BY STATE
Wagmo Accident & Illness policy is available in most states and their Wellness plans are available in all 50 states. Availability is subject to change.
Accident & Illness Availability by State
Wellness Plans Availability by State
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Accident & Illness:
$100,000 lifetime
$20,000 annual
$10,000 per incident
Wellness Plan - Value
$350 per year
Wellness Plan - Classic
$650 per year
Wellness Plan - Deluxe
$1,100 per year
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Accident & Illness options:
90%
100%
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15 days for injuries
15 days for illnesses
30 days for cancer treatments
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Premiums
Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose
Discounts
10% multi-pet
Deductibles
Choosing a higher deductible will decrease premiums
Choosing a lower deductible will increase premiums
Options:
$250
$500
$1,000
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Insurance partner:
National Specialty Insurance Company
