In this independent review, we look at pet insurance provider Waggel, including the types of policy available, the level of cover on offer and how much it costs.
What is Waggel?
Waggel launched in 2018 and was founded by Andrew Leal and former Apprentice contestant Ross Fretten in a bid to improve pet insurance. Waggel describes itself as not just a pet insurance product but a 'Pet Members Club' with membership benefits and perks. Waggel's aim is to provide a transparent product for consumers with no jargon or confusing terms.
Waggel only offers lifetime pet insurance policies as it is the most comprehensive cover available for pets. Waggel believes that by only offering one policy type customers are not overwhelmed by choice. Waggel's pet insurance policies are underwritten by Red Sands Insurance Company (Europe) Ltd and offers policies for cats and dogs.
Waggel pet insurance features
Below is an overview of some of Waggels’s pet insurance features:
- Lifetime pet insurance cover for cats and dogs
- 24/7 video call service with vets
- No excess option
- Free dog behaviour consultations
- Membership perks and benefits such as discounts with certain brands
- Digital claims process
What does Waggel pet insurance cover?
Waggel offers 6 lifetime pet insurance policies with different levels of veterinary cover. A lifetime policy offers the most comprehensive cover for your pet as it covers your pet for the duration of its life. Other popular types of cover that are not offered by Waggel (and are not as comprehensive) are time-limited pet insurance, maximum benefit pet insurance and accident-only pet insurance.
A Waggel policy covers you for the following:
Complementary treatment (such as physiotherapy, hydrotherapy etc)
Dental treatment for illness or injury
Pet loss due to theft or straying
Death from an accident/illness
Waggel policy exclusions
A Waggel policy will not cover you for the following:
Pets under 8 weeks old
Any claim made within 14 days of the policy start date
Any claim submitted 12 months or more after treatment was first initiated
Routine treatment such as worming or vaccinations
Pets used for breeding purposes
Euthanasia (unless your vet confirms it was to prevent your pet from suffering)
Certain breeds and dogs on the Dangerous Dogs Act 1991, a full list of excluded dog and cat breeds can be found here
Waggel policy types
Waggel has 6 different cover options for its lifetime pet insurance. Each policy is the same except for the increase in veterinary fee cover. Waggel's lifetime policies have annual limits which reset each year which means that you can claim for vet fees up to the total limit each year until it resets. If you wish to cancel your Waggel pet insurance policy you can do so within 14 days of taking the policy out.
Waggel pet insurance policies
|Policy 1||Policy 2||Policy 3||Policy 4||Policy 5||Policy 6|
|Veterinary fee Cover||£1,000||£2,000||£4,000||£6,000||£8,000||£10,000|
|Complementary treatment cover||£1,000||£1,000||£1,000||£1,000||£1,000||£1,000|
|Behavioural treatment cover||£1,000||£1,000||£1,000||£1,000||£1,000||£1,000|
|Loss through theft/straying||£1,000||£1,000||£1,000||£1,000||£1,000||£1,000|
|Death from accident/illness||£1,000||£1,000||£1,000||£1,000||£1,000||£1,000|
|Third-party liability (dogs only)||£2million||£2million||£2million||£2million||£2million||£2million|
*Waggel only covers dental treatment as a result of illness or injury. If a vet has recommended dental treatment then Waggel requires this to be completed within 3 months to be covered
How much does Waggel pet insurance cost?
In the below tables I have gathered quotes for a 6-month-old mixed breed cat and dog. The pets are located in the South East of England and have no underlying health conditions. Waggel lets you choose your pet insurance excess and you can choose an excess between £0 - £250 in £50 increments. Waggel refers to excess as a 'Claim Contribution' as you are paying part of the claim when you pay the excess, which makes it easier to understand exactly what you are paying for. The Claim Contribution is payable once a year per condition and resets each time the policy renews.
The cost of pet insurance for a 6-month-old dog and cat
|Policy 1||Policy 2||Policy 3||Policy 4||Policy 5||Policy 6|
|Veterinary fee cover||£1,000||£2,000||£4,000||£6,000||£8,000||£10,000|
|Mixed breed cat||£7.06||£9.06||£12.30||£14.41||£16.53||£18.42|
|Mixed breed dog||£10.44||£14.00||£19.19||£22.60||£26.08||£29.92|
*Quotes correct as of 04/02/21 and based on £250 excess
Waggel does not charge a mandatory 'co-payment' for older pets. A 'co-payment' is where the owner may be asked to pay an additional amount towards a claim, usually a percentage of between 10% and 25%. Waggel does, however, have an optional co-payment which can be added/removed when you renew your policy each year and this can help to bring down the cost of your monthly premiums. If you do choose to pay a co-payment, it is 20% of the vet bill on top of the compulsory excess payment. The Excess or 'Claim Contribution' is only payable once per condition per year but the co-payment would need to be paid each time you make a claim.
How to make a claim with Waggel pet insurance
Waggel has an online claims process and keeps you informed every step of the way via your personal Consumer Champion. Your personal Consumer Champion is there to answer any questions you have, not just about the claims process but about the policy too. You can track the real-time progress of your claim by logging in to your Waggel account and you will be instantly notified once your claim has been paid. Waggel also provides an itemised breakdown of your claim and what you have been paid.
Waggel can pay your vet directly if your vet accepts payments directly from the insurer or alternatively, Waggel can pay the claim into your chosen bank account.
Steps to making a claim with Waggel
To make a claim with Waggel via its online claims process you need to do the following:
Get in touch with Waggel online or via your smartphone to let them know what you are claiming for
Let Waggel know the Veterinary practice that is treating your pet by completing the online form
Provide Waggel with your preferred bank account so that they can pay the claim once it is accepted
As a Waggel policyholder, you automatically qualify for Waggel membership giving you the chance to win exclusive perks each month. The rewards on offer for February are:
- 10% off the first 3 boxes with Protect my Pet flea, tick and worm treatments
- 20% off all products with Pet Remedy
- 25% off Pet Dentist products sitewide
Waggel customer reviews
Waggel has a rating of 'Great' on Trustpilot with 4.3 out of 5 stars from just over 70 reviews. 85% rated Waggel as 'Excellent' citing a quick and easy process, simple to understand website and fast claims. 15% rated it as 'Bad' citing problems with claims being paid quickly and discrepancies around pre-existing conditions.
Waggel pros and cons
- Simple to use website with no jargon
- Comprehensive lifetime pet insurance
- Get a quote in a few minutes
- Digital claims process
- Membership perks
- Does not cover pre-existing conditions
- Not much difference between levels of cover except the amount of veterinary fee cover
- No cover for cremation
- No smartphone app
Alternatives to Waggel pet insurance
In this section of the review we compare Waggel to Petplan and Bought by Many. We have compared the most comprehensive pet insurance policies from all three pet insurance providers. The quotes are based on a 6-month-old dog with no underlying health conditions and living at an address in the South East. Waggel has the option to increase or decrease its excess however for the purpose of the quotes the excess was £100. For more information on Petplan and Bought by Many you may wish to read our reviews:
Waggel vs Petplan vs Bought by Many
Bought by Many
|Excess||£100||£110 per illness/injury||
£99 per policy year
|Vet fee cover||£10,000 per year||£12,000 per year||
£15,000 per year
|Loss & theft||£1,000||£2,000||£6,000|
|Death of pet cover (if pet dies through illness or injury)||£1,000||£2,000||£6,000|
Vet video calls
Waggel provides a comprehensive pet insurance product and I like the fact it has been created with pet owners in mind. Waggel's transparent and jargon-free approach makes the policies easy to understand so you know exactly what your pet is insured for. I do find the website a little misleading, however, as at first I thought you could control your pet insurance via an app but this is not the case. Waggel does however say this is something it is working on in the future.
The membership perks also make a nice addition to a pet insurance policy, particularly the free video calls with First Vet and the free behavioural consultations. Overall, Waggel offers a good level of cover for your pet and a lifetime pet insurance policy is definitely the best choice if you want to ensure your pet is covered for any condition it may suffer from throughout its life.
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