Reviews for Wagmo show a split experience. Several users report fast reimbursements and functional wellness plans, with claims paid quickly in some cases. However, multiple reviews describe denied medical claims, lengthy review times, policy non‑renewals tied to conditions, and unexpected cancellation or fee disputes. Consumers comparing Wagmo to alternatives should read policy exclusions and preexisting-condition language carefully, confirm renewal and cancellation terms, and keep clear veterinary documentation when filing claims.
Examples from available reviews (Oct 2022 – Feb 2026).
Bought Wagmo insurance and wellness plan; affordable, comprehensive coverage and helpful service.
“comprehensive approach to health care”
Wellness claims approved within 24 hours and funds deposited next morning.
“They approved them all within 24 hours.”
Wagmo denied coverage for Addison's disease despite veterinary documentation.
“they unjustly denied coverage for my pet's treatment for Addison's disease”
Claims took almost three months then were denied, causing frustration.
“it took almost 3 months to have the claims “reviewed”.”
Some reviewers praise quick claim payouts, but a larger number report claim denials, non‑renewals and inconsistent handling of cases.
Several customers report affordable plans and savings on wellness visits; others say premiums felt wasted after denied claims or cancellation fees.
Onboarding and fast reimbursements worked well for some; others describe long claim reviews, rejected submissions, and unclear cancellation processes.
Multiple reviewers found wellness plans useful and reimbursed; several others reported medical claim denials or non‑renewals tied to conditions.
One reviewer noted clear explanations from reps, but several reported slow or unanswered communications, disputed documentation handling, and billing issues.
Reviews are polarized: a minority report smooth claims and good coverage, while more reviewers describe denials, delays, and policy cancellations.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (7) · Collected.reviews (1) · Quotes shortened · As of: February 2026
Wellness plan reimbursed quickly; I paid $118 on a ~$400 bill.
“I only ended up paying $118 and got reimbursed in under 48 hours.”
Wagmo declined to renew policies after puppy's luxating patella diagnosis.
“they decided at the end of this year not to renew our insurance”
Wagmo denied coverage for Addison's disease despite veterinary documentation.
“they unjustly denied coverage for my pet's treatment for Addison's disease”
Claims took almost three months then were denied, causing frustration.
“it took almost 3 months to have the claims “reviewed”.”
Reviewer claims company hires incompetent staff and breaks laws.
“This company is full of hot heads who raised a bunch of daddies money.”
One wellness claim paid quickly, another rejected and cancellation charged $200.
“it would be a $200 cancellation fee”
Wellness claims approved within 24 hours and funds deposited next morning.
“They approved them all within 24 hours.”
I recently purchased pet insurance and a wellness plan from Wagmo, and I must say I am thoroughly impressed with their services. Not only are their plans affordable, but they offer coverage that goes above and beyond what other typical pet insurance companies offer.
The sign-up process was hassle-free, and the customer service representatives were knowledgeable and friendly. They carefully explained all of the different options available to me so that I could make an informed decision about which plan would be best for my furry friend.
What really sets Wagmo apart from other pet insurance providers is their comprehensive approach to health care. In addition to covering unexpected accidents or illnesses, they also offer wellness benefits like annual check-ups, vaccinations, dental cleanings, and even behavioral support.
Overall, my experience with Wagmo has been fantastic! As a devoted pet parent who wants nothing but the best for my four-legged family member '
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarized without changing the content of reviews.
Wagmo is a U.S.-based pet insurance and preventive-wellness plan provider that sells accident & illness policies and optional wellness memberships directly to consumers online. Their products separate routine care (vaccines, exams, dental, preventive services) from accident/illness coverage, and claims are processed through a digital submission system. Prospective customers should review policy documents for exclusions, preexisting condition rules, renewal practices, and any fees before buying.