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Review of the Waggel, Pet insurance:

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Worst pet insurance ever!

Waggle refused to pay our claim for an emergency vet treatment when our dog had breathing problems. Referred it to a pre existing condition when our dog had a cough! Not related at all but they tried to link it to avoid payment. It took them 7 weeks to tell us that too! Never had this problem with my previous pet insurer. All those monthly payments for nothing! Reviewed on: 23rd January 2026

Reply from Waggel Hi, We’re really sorry to hear how upsetting this has been, especially when your dog needed emergency care. We know how stressful breathing problems can be and understand how disappointing it is when a claim is declined after a wait. There was a delay because we needed to obtain and review your dog’s full veterinary history before we could assess the claim. Once reviewed, the decision was based on the policy terms around pre-existing conditions. This isn’t about trying to avoid payment, but about applying the policy wording consistently based on the medical history provided. We completely understand that this can feel unfair, especially when you believe the conditions aren’t connected, and we’re sorry for the frustration caused by the wait and the outcome. We hope your dog is doing better now, and thank you for taking the time to share your feedback. The Waggel Team Response date: 19th February 2026

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