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. We recommend that you read the review in full, but if you wish to jump to specific sections of the article you can do so with the following links:
- What is Waggel?
- Waggel pet insurance features
- What does Waggel pet insurance cover?
- Waggel pet insurance policy exclusions
- Waggel policy types
- How much does Waggel pet insurance cost?
- Waggel policy excess
- How to make a claim with Waggel pet insurance
- Waggel membership perks
- Waggel customer reviews
- Waggel pros and cons
- Alternatives to Waggel pet insurance
- Summary
Find the right Pet Insurance for you
Our partner Quotezone will compare quotes from over 15 UK pet insurance providers
- You could pay from £3.35 per month**
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 Waggel's pet insurance features:
- Lifetime pet insurance cover for cats and dogs
- 24/7 video call service with Joii
- No excess option
- Free and unlimited behaviour and nutrition consultations for dog owners
- Membership perks and benefits such as discounts with certain brands
- Digital claims process
- Each policyholder is assigned a UK based nurse to help with the claims process
- Receive a £40 Amazon.co.uk Gift Card for every friend you refer, and your friend will receive 1 month free pet insurance
What does Waggel pet insurance cover?
Waggel offers 7 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:
Waggel pet insurance policy exclusions
A Waggel policy will not cover you for the following:
Waggel policy types
Waggel* has 7 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 are annual limit lifetime policies. This 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 policy comparison
| Policy 1 | Policy 2 | Policy 3 | Policy 4 | Policy 5 | Policy 6 | Policy 7 | |
| Veterinary fee Cover | £1,000 | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 | £15,000 |
| Excess options | £0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
£0 £50 £100 £200 £250 or £500 |
| Complementary treatment cover | £1,000 | £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 | £1,000 |
| Dental cover^ | £1,000 | £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 | £1,000 |
| Death from accident/illness | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Third-party liability (dogs only) | £2 million | £2 million | £2 million | £2 million | £2 million | £2 million | £2 million |
^Waggel 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 and your pet must have had a dental examination in the past 12 months prior to the dental claim.
Find the right Pet Insurance for you
Our partner Quotezone will compare quotes from over 15 UK pet insurance providers
- You could pay from £3.35 per month**
How much does Waggel pet insurance cost?
In the below table, I have gathered quotes for a 1-year-old mixed breed cat and dog. The pets are located in the South East of England and have no underlying health conditions. The cost of your pet insurance premium will vary on the age, breed and type of pet you wish to insure. For more information on what affects the cost of pet insurance read our article '7 factors that affect the cost of pet insurance'.
The cost of Waggel pet insurance for a 1-year-old dog and cat
| Policy 1 | Policy 2 | Policy 3 | Policy 4 | Policy 5 | Policy 6 | Policy 7 | |
| Veterinary fee cover | £1,000 | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 | £15,000 |
| Excess (claim contribution) | £100 | £100 | £100 | £100 | £100 | £100 | £100 |
| Mixed breed cat (monthly cost) | £7.38 | £12.33 | £20.47 | £24.62 | £29.18 | £31.51 | £42.96 |
| Mixed breed dog (monthly cost) | £7.82 | £13.89 | £20.88 | £24.37 | £26.85 | £33.06 | £45.08 |
(Quotes correct as of 16/10/24)
Waggel policy excess
You get to choose how much excess you pay on your Waggel pet insurance policy. Waggel refers to the excess as a claim contribution, as you are contributing to the cost of the claim amount. With a Waggel pet insurance policy you can choose a 'Claim contribution' amount of £0, £50, £100, £200, £250 or £500. The Claim Contribution is payable once a year per condition and resets each time the policy renews. If you choose a higher contribution amount, you are likely to see a reduction in the cost of your monthly premium. You can change your annual limit and claim contribution (excess) within the first 7 days from the start of your new policy, and then 30 days before your policy is due to renew. You will be emailed with a reminder.
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 Customer Champion, who are all UK-based vet nurses. Your personal Customer 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:
Step 1
Log in to your online account.
Step 2
Under ‘Your policies’, select ‘Make a claim’.
Step 3
Complete and submit the online form. Waggel will notify you via email with the outcome of your claim.
Waggel membership perks
As a Waggel policyholder, you automatically qualify for Waggel membership giving you the chance to earn exclusive perks each month, although the offers don't seem to change that frequently. The rewards on offer for January 2024 are:
- 50% off your first 2 coffee deliveries with Beans Coffee Club
- 50% off membership for TrustedHousesitters
- 40% off the first 2 dog meal boxes with Butternut Box
Waggel customer reviews
Waggel has a rating of 'Excellent' on Trustpilot with 4.5 out of 5 stars from over 6,500 reviews. 83% rated Waggel as 'Excellent' citing a quick and easy claims process, simple-to-understand website and sensitive customer service. 8% rated it as 'Bad' citing problems with claims being paid, discrepancies around claims and high premium increases at renewal.
Waggel pros and cons
Waggel pros
- Simple to use website with no jargon
- Comprehensive lifetime pet insurance
- Digital claims process
- Membership perks
Waggel cons
- 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 ManyPets*. We have compared the most comprehensive pet insurance policies from all three pet insurance providers. The quotes are based on a 1-year-old mixed breed dog and 1-year-old moggy cat 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.
You can also compare pet insurance policies via comparison sites such as Quotezone* and MoneySuperMarket*. Comparison sites allow you to compare multiple providers at once to find the best insurance policy for your pet. They are not always whole of market though, so you may not always be getting the best deal. You can also compare some of the best pet insurance providers in our article, 'Best pet insurance in the UK'.
Waggel vs Petplan vs ManyPets
| Waggel* | PetPlan | ManyPets* | |
| Excess | £100 per condition | £110 (dogs) £95 (cats) per condition |
£99 per policy year
|
| Monthly cost for 1-year-old dog | £45.08 | £58.04 | £42.98 |
| Monthly cost for 1-year-old cat | £42.96 | £38.50 | £33.63 |
| Vet fee cover | £15,000 per year | £12,000 per year |
£15,000 per year
|
| Public liability | £2 million | £2 million | £2 million |
| Loss & theft | £1,000 | £3,000 | £6,000 |
| Death of pet cover (if pet dies through illness or injury) | £1,000 | £3,000^ (optional extra) | £6,000 |
|
Vet video calls
|
Yes | Yes | Yes |
| Trustpilot score | 4.5/5 | 4.7/5 | 4.0/5 |
| More information | Petplan pet insurance review | ManyPets pet insurance review |
(Quotes correct as of 16/10/24) ^included for purpose of comparison
Summary
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 Joii and the free behavioural consultations for dogs. 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.
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers - ManyPets, Waggel, MoneySuperMarket, Quotezone