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Waggel: Pet Insurance reviews

Name: Pet Insurance
Rating: 4.85 (1242 reviews)

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4.73

Based on 1,242 reviews, last reviewed 15th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

89%

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

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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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 behav...

Waggel Pet Insurance reviews (1242)

Review of the Waggel, Pet Insurance:

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

S.C.A.M.

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

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

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... Reviewed on: 22nd August 2023

Amazing

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

What's the point in having g pet insurance

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 o... Reviewed on: 8th February 2022

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

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

AVOID LIKE THE PLAGUE!

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

Great service, well priced and thought out product choice

Really easy to sign up, great choice of products and levels of cover, super easy to administer. Reviewed on: 10th September 2021

Don't touch this company with a barge pole!

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 o... Reviewed on: 1st July 2021

Absolute con!

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 d... Reviewed on: 16th June 2021

It's Vegas, all glitz, a few winners but Waggel always win

My experience with Waggel has just proven that insurance is a lot like gambling. They bet my pet will not need their services while tempting me with stories of how they saved the day with poor fluffy got run over and I bet my pet will need their services to cover medical care that may be very expensive and I may not be able to afford. Surely no one wants Fluffy to perish for a lack of room on the credit card? My claim with Waggel, (incidentally the only insurance claim I have e... ver made over 40+ years of having a pet), began in September 2020 and took two months to be denied. All through the process, it was up to me to chase up Waggle who blamed my vet for taking so long to send the paperwork but never bothered to chase them up themselves. I had to call Waggle to get them to do put pressure on my vet. According to the emails I received from my vet, they processed the request for my dog's history within 18 of being asked. In the end, my claim was denied because I had taken my dog for a pre-spay assessment 11 days after purchasing a policy from Waggel. It never occurred to me that taking her in for a routine spay assessment would cancel any later claims. The spay was done 20 days after I bought the policy and 9 months before I made the claim. The claim was denied and any further claim associated with her entire respiratory system because during the pre-op assessment, the vet discussed the possibility of BOAS and recommended that I have the dog's nostrils opened up during the spay. Also, because my dog is adopted and the two vets and one nurse who have seen her have differing opinions as to her age (one says she is about 2 to 3, one says she is 4 the other says she is about 5), Waggel have implied that I lied to them and thus my premium will now be increased with a penalty aka charge to change the policy to reflect her true date of birth. What I find the most interesting about Waggel's claim to be different and their multiple five star reviews is that they encourage you very, very hard to review them as soon as you have purchased a policy and well before you have needed their services. Selling me the policy and taking my money was indeed 5-star easy. Leaving me thousands of pounds of essential medical treatment (which, contrary to their text message denial I did not see coming) and increasing my premium because I do not know my adopted rescue dog's "true" date of birth rates a 1-star experience. Don't be taken in by their cute terms for things such as "customer champion" or discount offers on buying luxury dog jumpers, Waggle is an insurance company first and foremost. They make their money in getting you to buy premiums and denying large payouts. Before you say but they paid for Fluffy's life saving surgery....think about Vegas. Of course casinos have to let people win now and then, otherwise it would be bad for business, suckers won't put their money down if they think there is no chance of winning. Ultimately they make such a profit that paying a few claims to encourage more customers is how they work. Waggel is no different. Read their carefully curated Facebook group, you will not see one negative word nor indeed will you be able to find a single post about a claim being denied. So, my experience has been disappointing. Had I waited three more days before a routine surgery assessment then maybe they would have paid the claim made eight months later.... maybe not. Either way, I think my monthly premium is best kept out of their pocket. Reviewed on: 16th November 2020

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