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Waggel: Pet Insurance reviews

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4.73
Based on 1,242 reviews, last reviewed 15th Apr 2025
100% increase in 5 star reviews
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Latest highest rating:

5

Easy experience, and good deal. Easy experience, and good deal. A little too over the top with communications during the quoting process and marketing since but provide some really g... Read more Reviewed on: 25th March 2025
jake_sandford's avatar
jake_sandford

Latest lowest rating:

1

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 nee... Read more Reviewed on: 15th April 2025
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Rachel G
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About this product

Before taking out a new pet insurance policy, check customer reviews to be confident that the provider is reputable. We’ve got plenty of Waggel pet insurance reviews to help you understand more about the provider.

Waggel provides pet insurance for cats and dogs. Unlike many insurers, Waggel does not offer different types of policies but instead offers one all-inclusive policy. The policy provides access to 24/7 vet video calls as well as consultations with behaviour and nutrition specialists. Waggel policyholders can benefit from a simplified online claims process, as well as new rewards and perks every month.

If Waggel sounds like the right insurer for you, gain valuable insight into the provider by reading our Waggel pet insurance reviews. Find out how satisfied customers have been with the all-inclusive policy. Learn more about the claims process and how simple policyholders have found it. Find out why customers chose Waggel and whether they would renew their policy with the provider. All of this and more can be found in the reviews on Smart Money People.

Have you had a pet insurance policy with Waggel? Share your experience by writing an honest review and help other pet owners doing their research. Tell us why you chose Waggel as your pet insurance provider, and whether it has lived up to your expectations. Tell us what animal you insured and how secure you have found the all-inclusive policy. If you’ve had experience with the customer service team or claims process, share details with our Smart Money People community. Whether good or bad, leave a Waggel pet insurance review today. Together, we can help people like you make better financial decisions.

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Waggel Pet Insurance reviews (1242)

SCAM SCAM SCAM!

1
SCAM SCAM SCAM! Please please please do not insure your pet with Waggel it’s a complete scam and is runned by unprofessional people. I’m never one to write review but will do my utmost best to expose Waggel Pet Insurance. They will do their best not to pay out for any condition whatsoever. My French Bulldog got an eye ulcer before Christmas while he had his head out of the window – he had eye surgery which cost £8k. Submitted the claim to Waggel and they said that is a pre-existing condition! They have no empathy or emotion…please please please do not use Waggel. I have emailed the CEO of Waggel to express my concerns: [email protected] And to Hannah: [email protected]. And guess what……no reply! Stacey, Rebecca and Mareia from Waggel are all completely unprofessional and don’t have no knowledge. Waggel will remove notes from Vets reports and will not disclose all the notes to make it a pre-existing condition so they don’t pay out. They have put on my profile for my French Bulldog that his pre-existing condition is Brachycephalic Ocular Syndrome. ALL FLAT FACE BULLDOGS HAVE THIS CONDITIONS. I urge you to stay away from Waggel – you may think it’s cheaper but in the long run you will pay the price. Please use well established companies like ManyPets or PetPlan so much more better. As a result of Waggel declining the claim will have to re-mortgage my house to pay the £8K vet bill. If you need any further help or guidance before you think of signing up to Waggel please email me and will be happy to explain my experience with Waggle: [email protected] Mareia – no need to reply to this review by stay it is a pre-existing condition! It’s a copy and paste job! Will refer to Financial Ombudsman Service and small courts claim. _____________________________________ See below email sent to CEO: Sent: 02 January 2024 19:02 Subject: Fw: FORMAL COMPLAINT - URGENT DISPUTING EYE ULCER CLAIMS Dear Andrew, Happy New Year! Firstly, would like to introduce myself as a policy holder at Waggel. I have been dealing with Waggel for my claims and its been nothing but stressful and mentally exhausting. I have dealt with Stacey, Rebecca and Mareia from your team. Waggel are still refusing to pay out for Bear's claim for an eye ulcer with Mareia from your complaints department giving no explanation for my complaint raised other than my dog has Brachycephalic Ocular Syndrome. This is legally not right to decline my claim as all Pugs, Bulldogs have this condition from birth. If this is the case Waggel should not be insuring this kind of breed? My personal conditions are outlined below and reasons why my dog got the eye ulcer as per my email on the 23rd Dec (please kindly see below). Andrew - can I also bring this to your attention from The Ralph Clinic - who did Bear's eye surgery: I apologise for not being able to sort this out sooner for you as I am sure it has caused a lot of undue stress over the past two weeks. I can see that the insurance company has included part of my statement in their reason for exclusion, however, they have left out the end of the statement where I stated that I do not believe that the entropion caused Bear's ulcer. I will write to them in more detail to dispute this for you, as Bear's underlying conformational abnormalities (brachycephalic ocular syndrome) are not unique to him, and affect every brachycephalic dog from birth to some degree. This case was the deterioration of an infected corneal ulcer, rather than the type of ulcer that is caused by lower medial entropion. Thank you for your patience, please leave this with me for now and I will get back to you as soon as I have more information for you. Kind regards, Reviewed on: 4th January 2024
Ra's avatar
Ra

S.C.A.M.

1
They make up ridiculous convenient diagnoses to decline claims. I don't know that other "schemes" they have in their sleeves, but I decided to stop wasting my money. My advice: open a saving deposit for you pets and put your money there. That would be waaaaay more useful than any pet "insurance" Good health to your pets! Reviewed on: 11th December 2023
Anonymous's avatar
Anonymous

Happy to take your money, BUT will do everything to avoid paying out

1
We've been a Waggel customer for some time, we went with them due to their (now questionable) online reviews and how easy it was to sign up. The whole sales process was a slick as can be - it was really easy to sign up and start paying. The problems started though when our dog was diagnosed with an allergy condition that would require a series of monthly injections. We called Waggel, and they said not a problem - but rather than claim each time, just let them build up and claim 6 months worth. So we let them build up, and now came to make the claim - and this is where it went downhill. We sent all our vet info and medical history. This confirms the dog hadn't been diagnosed with any allergy condition prior to the policy starting out. BUT, the claim was rejected on the grounds that several years ago our dog had an ear infection. Waggel had looked for ANY lame reason not to pay the claim out, so if your dog has had anything (even an ear infection) in the past - then I would not advise insuring with Waggel. They're clearly one of those online companies who make a fortune from people who never claim, but when it comes to actually paying up - they will leave you high and dry. Literally money for nothing. Reviewed on: 22nd August 2023
Tim Johnson's avatar
Tim Johnson

Amazing

5
Everyone I spoke to is so friendly and the cost is amazing for the the amount covered Reviewed on: 10th October 2022
RhysT's avatar
RhysT

What's the point in having g pet insurance

1
Absolutely no point in having pet insurance you'd be better off sticking some money away in an account and paying in each month! Waggel simply look for excuses not to pay out. How can you be 100% alert or never ever let your dog off the lead for a run. An excuse will always be found not to pay out as accidents happen as we are human and make mistakes. In my case it was a boy racer in a usually quiet spot. I'm so lucky it wasn't more serious. They are also going to decline our claim for treatment as out pups first season went on for many weeks. She needed painful injections to bring her out of it. Waggel say we should have had her dressed before her first season and that the vets notes said we hadn't decided whether to let her have pups. Even though the vets notes will also say, because of this situation, we were going to have her dressed once things had settled. Sadly I would also say be very careful what you tell vets as honesty is not valued. Before we made either claim our monthly premium was going up £5 so really what is the point. Reviewed on: 8th February 2022
Julie Stewart's avatar
Julie Stewart

Poor attitude when a claim was made, Bought by many much fairer.

1
Two claims made for a sick dog and both denied based on unproven vet claims as stated by them. Avoid and go with an insurer who will pay out when a claim is made. Reviewed on: 26th January 2022
Christopher Dyke's avatar
Christopher Dyke

AVOID LIKE THE PLAGUE!

1
There are at least two grave problems with Waggel. Firstly, Waggel helped itself to money out of my bank account after I twice ordered them not to do so. Secondly, Waggel's insurance policy does NOT cover most of the latest veterinary treatments which are available from vets. Reviewed on: 22nd January 2022
George Allen's avatar
George Allen

Great service, well priced and thought out product choice

4
Really easy to sign up, great choice of products and levels of cover, super easy to administer. Reviewed on: 10th September 2021
Neil C's avatar
Neil C

Don't touch this company with a barge pole!

1
My dog was diagnosed with pancreatitis by a previous vet but failed to respond to treatment in any way. She was referred to one of the top University teaching hospitals in the UK for a second opinion. They said the pain was caused by a skeletal issue and treated her accordingly. To wriggle out of paying what amounts to £100 they are hell bent on insisting she has had pancreatitis. They cherry picked infomation from her previous vet to support their case and said the specialist opinion was "irrelevant" They are now trying to make out that she must have had both! Reviewed on: 1st July 2021
Jan Russell's avatar
Jan Russell

Absolute con!

1
Signed up to Waggel for our 11 year old Cockapoo. For the first time in his life he had a serious attack of dehydration and Pancreatitus twice. The first time he stayed in overnight and had to be on iv fluids. After 3 months of deciding, Waggel refused to pay our vet bill for over 2K. The reason being was that they had searched through his nearly 12 years of records and found that he had previously seen a vet for diarrhea. To clarify our dog was bleeding from below and totally dehydrated. His Pancreas readings were high. This had NEVER happened before. Waggel are a terrible insurance company. We have never been given a membership number. Communication has been next to zero, other than to say you are not covered on a first time ever illness. They state diarrhea is connected to his digestive system and so was Pancreatitus. UNBELIEVABLE. We pay £60pm for nothing. Will be cancelling this ASAP. Be warned that they on to a complete scam! Reviewed on: 16th June 2021
Val Evans's avatar
Val Evans

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