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Waggel: Pet insurance reviews

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4.75
Based on 1,248 reviews, last reviewed 24th Mar 2026
300% increase in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
90%
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8%
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1%
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0%
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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
Sara F's avatar
Sara F

Latest lowest rating:

1

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 d... Read more Reviewed on: 23rd January 2026
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Simon
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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 (1248)

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

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

1
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 ever 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
Marian Crenshaw Austin's avatar
Marian Crenshaw Austin

Super simple and quick

5
No nonsense pet insurance. We did the whole thing in under 10 mins &it’s been great. Reviewed on: 19th September 2020
Andela Lukanovic's avatar
Andela Lukanovic

Easy, clear concise

5
I've not had to make a claim as yet but if claiming is as easy as joining then it'll be a doddle. Reviewed on: 19th September 2020
JWilson's avatar
JWilson

So easy

5
Really easy to decide what cover suits me and my pet. Easy to use website and great benefits. Reviewed on: 19th September 2020
Cheryl 's avatar
Cheryl

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