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Waggel: Pet insurance reviews

Name: Pet insurance
Rating: 4.84 (1244 reviews)

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4.74

Based on 1,244 reviews, last reviewed 7th Aug 2025

No new 5 star reviews

in the past 90 days

100% decrease 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

Scam insurance, great until you make a claim. Initially I was really happy with how good their website was to use, how good the price was and everything seemed great that was until making a claim ... Read more Reviewed on: 7th August 2025

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About this product

Waggel offer lifetime pet insurance policies.

There’s a £0 excess option available and you can get free vet, behaviour and nutritionist video calls as part of your Waggle pet insurance policy. Waggel cover treatment costs associated with dental-related accidents and illnesses.

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.

Waggel Pet insurance reviews (1244)

Review of the Waggel, Pet insurance:

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

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 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

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 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

Super simple and quick

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

Easy, clear concise

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

So easy

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

Outstanding

We used the free vet service first for our schnauzer which was great then had a claim which was sorted very quickly indeed , we were kept updated every step of the way Reviewed on: 18th September 2020

Great experience

Waggel know their customers and are friendly yet professional, I would highly recommend them. Reviewed on: 18th September 2020

They are so refreshingly different

Even though I could have saved a couple of pounds a month, I went with Waggel as they just seemed so refreshingly different to the rest of pet insurers and they had great reviews too. Reviewed on: 18th September 2020

Easy Breazy lemon squeazy

Signing up to waggel was a breeze, very easy to understand and customise insurance package. Reviewed on: 18th September 2020

No hassle pet insurance

Easy to set up and control the level of insurance you want Reviewed on: 18th September 2020

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