Wagmo Pet Insurance
$20–$80/month
Wagmo Review Summary
Wagmo, founded in 2018, occupies an interesting niche: 100% reimbursement (after deductible) in a market where 90% is typically the ceiling. The simplicity is real — if it's covered, it's fully covered. No 70/80/90% calculations. Their wellness plans are available as standalone products, which is unusual and valuable for owners who want preventive care coverage without accident/illness insurance. Coverage is solid on the basics: hereditary conditions, cancer, orthopedic issues. The gaps are familiar: no dental illness, no exam fees, no behavioral therapy. Average dog premiums run around $67/month — above median but not at Trupanion's ceiling. For owners who find percentage-based reimbursement frustrating and want clean, 100%-or-nothing coverage, Wagmo is a distinctive choice.
Pros & Cons
✅ Pros
- ✓100% reimbursement after deductible — unusual in the market
- ✓Standalone wellness plans with flexible tiers
- ✓Covers hereditary conditions and orthopedic issues
- ✓Modern app-based management
- ✓Wellness plan can be purchased independently
⚠️ Cons
- ✗Higher average premiums ($67/month for dogs, $33 for cats)
- ✗Annual coverage limits can be lower than true unlimited plans
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No alternative therapy coverage
- ✗Coverage limits may offset 100% reimbursement advantage
Coverage Details
| Monthly Premium | $20–$80 |
| Annual Deductible | $250–$1,000 |
| Reimbursement Options | 100% |
| Annual Limit Options | $10,000, $20,000, Unlimited |
| Accident Waiting Period | 3 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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