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Waggel: Pet insurance reviews

Name: Pet insurance
Rating: 3.96 (1251 reviews)

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3.96

Based on 1,251 reviews, last reviewed 15th Jun 2026

100% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Waggle was easy to use and add more of my pets, I ha... Waggle was easy to use and add more of my pets, I have 4 with different requirements. Process was easy. Reviewed on: 24th March 2026

Latest lowest rating:

1

Dental NOT included!!! Being over 60 and living alone im not that computer savvy. So when i saw waggel i decided to insure my older rescue moggy. 3 months in and his breath... Read more Reviewed on: 15th June 2026

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About this product

Waggel offers lifetime pet insurance policies that cover the big stuff like dental care, cancer and diabetes.

Waggel gives all members access to 24/7 vet care, a triage service, behaviour and nutrition support.

Waggel pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Waggel before, you can also leave a review and share your experience.

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Waggel Pet insurance reviews (1251)

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 good offers alongside the insurance and everything appears simple. Yet to have any major interaction (claim/call) but everything so far has been easy to understand. Reviewed on: 25th March 2025

They will use any excuse to get out of paying a claim.

They will use any measure to get out of paying a claim. I have had an insurance policy with them for the last 2 years and made my first claim last month. First they told me they couldn't pay it because it was in the first 14 days of my policy, ie my continued cover with them. When I contested this they said he had a pre-existing condition because he had a 24hour bout of sickness 11months prior. I did not make a claim, used the online Vet and paid the actual vet fees to get him checked out where I was told I was worrying over nothing bas he had probably just eaten something that didn't agree, as he was bright and responsive. Anti-sickness medication and he was right as rain the next day. They have used the fact my care and due diligence against me. They will use any excuse to avoid paying. God forbid it was something more serious and expensive. I will be going elsewhere from now on. Reviewed on: 14th February 2025

Reply from Waggel Hi, We’re really sorry to read this and to hear how disappointed you’ve been with your experience. We don’t ever look for excuses to avoid paying claims. Every claim is assessed using the policy wording and the veterinary records we receive. The 14-day waiting period only applies at the start of a policy, and when reviewing a claim we also have to check the full medical history for any previous signs or symptoms that may be related to the current condition. If something similar has been noted before the policy start date or within the waiting period, the policy requires us to treat it as pre-existing. We understand how upsetting this can feel and we’re sorry for the frustration this has caused. Thank you for taking the time to share your feedback. The Waggel Team Response date: 20th February 2026

Waggle are a joke avoid like the plague

Made a claim for dental on my dog it was refused because 7 months previous at 6 monthly check up vet said mild build up of tartar which was treated with no claim being made at next check up tartar was almost gone but needed to get a tooth removed which had fused to bone made claim and it was refused as it was classed as a previous event and tartar has now almost gone . She never has had dental work done treated myself by brushing Reviewed on: 7th November 2024

Easy to set up the insurance quickly online for my c...

Easy to set up the insurance quickly online for my cat, amazing extras and perks with the insurance to give extra value for money! This is the first time I've used pet insurance and waggel stood out straight away for me. Reviewed on: 24th August 2024

super easy to use and helpful team

It's super easy to subscribe and register. It's also very easy to submit a claim, and track its progress. The customer service is always quick to get back to you, and everyone is very friendly and helpful. Reviewed on: 23rd August 2024

Waggel were super friendly, helpful and efficient.

Waggel were super friendly, helpful and efficient. It was so easy to make a claim and also very quick. I liked that we dealt with the same person too. It made it seem more personal. Reviewed on: 23rd August 2024

So far so good, however, I have not yet made a claim.

So far so good, however, I have not yet made a claim. They were the most competitively priced Reviewed on: 2nd April 2024

Only interested in their procedures not customers

More interested in their procedures than their customers, vets or pets. My dog has a condition which needs life long treatment. Every month I get a supply of pills which keep him ok. Every month I submit a continuation claim and send the invoice. Now they tell me that they need a medical history for each continuation claim. When I point out that they already have his history, know what the treatment is, know how much has been paid they say they're following "formal procedures " The procedures don't tell them anything they don't already know and just create bureaucratic work for the vets. Waggel sucks Reviewed on: 12th March 2024

CON ARTIST STAY CLEAR OF THIS COMPANY.

CON ARTIST STAY CLEAR OF THIS COMPANY. Suppose to be The Future Of Pet Insurance. Refused to pay out claim with no vets history as always been a healthy dog. Have read loads of bad reviews but too late. Cancelled all insurances. Reviewed on: 13th February 2024

SCAM SCAM SCAM!

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

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Waggel: Pet insurance reviews

100% decrease in 5 star reviews

200% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Waggel: Pet insurance now

Waggel Pet insurance reviews (1251)

Easy experience, and good deal.

They will use any excuse to get out of paying a claim.

Waggle are a joke avoid like the plague

Easy to set up the insurance quickly online for my c...

super easy to use and helpful team

Waggel were super friendly, helpful and efficient.

So far so good, however, I have not yet made a claim.

Only interested in their procedures not customers

CON ARTIST STAY CLEAR OF THIS COMPANY.

SCAM SCAM SCAM!

Review Waggel: Pet insurance now

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