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Review of the Waggel, Pet insurance:

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Scam insurance, great until you make a claim.

Initially I was really happy with how good their website was to use, how good the price was and everything seemed great that was until making a claim then I found they were cheap for a reason.. it's Fake insurance and doesn't pay out. Do yourself a favour and find another insurer or don't bother because you will end up paying in full anyway. Never had any problems with other insurers before but as they were getting expensive monthly I thought I found a bargain with waggel. I put in a claim for tooth extractions. There were no prior problems from before this policy and it was 12 months in when my dog needed tooth extraction my initial vet wanted to refer me to another vets for a tooth clean for £1000 I wasn't happy with this and found another vets, the end price actually came in approx £300 less and my dog also needed extractions too. Referred me to wording in the policy that a dental check needed every 12 months recording no prior issues. How do you know what a vet puts into their records or does not. And if they miss typing something it's a get out clause. Absolute joke. Oh well I guess it's a monthly bill I can cancel now, beings it's worthless there's no point keeping it. Reviewed on: 7th August 2025

Reply from Waggel Hi, We’re really sorry to read this and to hear how disappointed you’ve been, that’s not the experience we want for any of our members. The decision wasn’t because we look for reasons not to pay, but because the dental section of the policy requires annual dental checks to be recorded in the vet history confirming there were no pre-existing dental issues. We have to base our assessment on the veterinary records provided. That said, if you believe something has been recorded incorrectly by the vet, we absolutely do go back and clarify this with the practice. If a mistake in the notes is highlighted and the vet confirms an update or correction, we reassess the claim using the corrected information. We know this can feel frustrating, and we’re sorry for the disappointment this caused. We hope your dog is recovering well after their treatment, and thank you for taking the time to share your feedback. The Waggel Team Response date: 20th February 2026

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