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Rachel G

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Review of the Waggel, Pet insurance:

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Terrible company, would not recommend

We've been extremely disappointed with Waggel and definitely would not recommend. We have had 2 claims denied unfairly, in our opinion: - Our dog needed surgery to remove a retained puppy tooth; she was a puppy when we took out the insurance, but a puppy having puppy teeth was classed as a "pre-existing condition". - Our cat chipped a tooth and vet advice for the past 3 years had been to leave it as it was. The most recent check-up identified root pulp showing and recommended further work; this was denied. Apparently we should have had the tooth taken out within 3 months of the chip, against vet advice. Our vet even offered to follow up with Waggel as they thought it was unfair! Communication - I put in a request for information on Brucellosis testing, I never received a response. Finally, we decided to cancel the policies having paid £1100 for dental surgery this year on top of annual vaccinations and flea / worm treatment. Less than a week later we reconsidered and asked to re-start the policies. Waggel said this wasn't possible, we would have to obtain a new quote and start the whole process again, despite the policies being renewed this month. When I spoke to someone at Waggel about it, they were very unhelpful, just repeating the company line. In summary, I would not recommend Waggel. If you do decide to go with them, make sure you go over the policy with a fine tooth comb, as they seem to have wording to enable them to wiggle out of every claim. They are cheap for a reason! Reviewed on: 15th April 2025

Reply from Waggel Hi, We’re really sorry to read this and to hear how disappointed you’ve been with your experience, that’s not what we want for any of our members. We understand how upsetting it is when claims are declined. Decisions are based on the policy wording and the veterinary records we receive. For dental claims in particular, the policy requires that there are no pre-existing dental conditions or indicators, and that any recommended dental treatment is carried out within the specified timeframe. We know this can feel unfair when you’ve followed your vet’s advice, but we have to apply the policy terms consistently based on what’s documented in the medical history. If a vet believes something has been recorded incorrectly, we do always go back to them to clarify and reassess with any updated information. Regarding restarting a cancelled policy, once a policy is cancelled it can’t be reinstated, and a new quote would be required. This is because insurance relies on continuous cover, and starting a new policy means any conditions that arose during the previous policy period are treated as pre-existing under standard insurance rules. We’re also sorry to hear you didn’t receive a response to your question about Brucellosis testing, that’s not the level of communication we aim to provide, and your feedback has been shared internally. We appreciate you taking the time to share your experience, and we’re sorry that we’ve left you feeling disappointed. The Waggel Team Response date: 20th February 2026

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