Wagmo's pet insurance scores 1.65 out of 5 for cats and 3.05 for dogs in MoneyGeek's analysis. The company excels in affordability for dogs, ranking second nationally. However, customer experience ranks lower for both pet types. Wagmo requires a 15-day waiting period for accident coverage, which aligns with industry standards.
Wagmo Pet Insurance Review
Updated: October 16, 2025
Advertising & Editorial Disclosure
Wagmo Pet Insurance Review: Key Takeaways
Wagmo ranks third in affordability for cats and second for dogs, with monthly premiums starting at $33 and $67, respectively.
Wagmo ranks third nationally for customer experience, with modest ratings on external review platforms including a D+ from the BBB and a 3.4 out of 5.0 on Trustpilot.
Ranking third nationwide for coverage, Wagmo provides accident and illness plans plus optional wellness benefits that cover routine care and preventive services.
Wagmo Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 3.82 | 2 |
| Coverage | 3.12 | 3 |
| Customer Experience | 1.67 | 3 |
| Overall Score | 3.05 | 3 |
WHO IS WAGMO PET INSURANCE BEST FOR?
Wagmo ranks among the best pet insurance companies for pet owners seeking comprehensive coverage with flexible financial terms. The provider offers low deductible options, unlimited annual payouts and includes hereditary conditions, behavioral issues and exam fees at no extra cost. Pet owners needing immediate accident coverage should consider other options due to waiting period requirements.
Wagmo Pet Insurance Ratings by State
Wagmo provides pet insurance coverage nationwide across all 50 states. The company achieves third place for overall performance in every state for both cats and dogs. Wagmo shows stronger results in affordability, earning second place in 37 states for dogs and 24 states for cats. While it doesn't claim top rankings, Wagmo maintains consistent third-place performance in coverage and customer experience categories.
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Category:Affordability
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Pet Type:Cat
| Alabama | 1.67 | 3 |
| Alaska | 1.93 | 2 |
| Arizona | 1.88 | 2 |
| Arkansas | 1.67 | 3 |
| California | 1.67 | 3 |
| Colorado | 1.71 | 2 |
| Connecticut | 1.67 | 3 |
| Delaware | 2.24 | 2 |
| Florida | 2.07 | 2 |
| Georgia | 1.67 | 3 |
| Hawaii | 1.67 | 3 |
| Idaho | 1.67 | 3 |
| Illinois | 1.67 | 3 |
| Indiana | 3.47 | 2 |
| Iowa | 2.77 | 2 |
| Kansas | 1.67 | 3 |
| Kentucky | 2.69 | 2 |
| Louisiana | 3.39 | 2 |
| Maine | 2.43 | 2 |
| Maryland | 2.93 | 2 |
| Massachusetts | 1.67 | 3 |
| Michigan | 1.67 | 3 |
| Minnesota | 2.69 | 2 |
| Mississippi | 1.67 | 3 |
| Missouri | 1.67 | 3 |
| Montana | 1.67 | 3 |
| Nebraska | 1.67 | 3 |
| Nevada | 3.22 | 2 |
| New Hampshire | 2.06 | 2 |
| New Jersey | 2.67 | 2 |
| New Mexico | 2.12 | 2 |
| New York | 1.67 | 3 |
| North Carolina | 2.25 | 2 |
| North Dakota | 2.23 | 2 |
| Ohio | 1.67 | 3 |
| Oklahoma | 2.32 | 2 |
| Oregon | 1.67 | 3 |
| Pennsylvania | 2.97 | 2 |
| Rhode Island | 1.67 | 3 |
| South Carolina | 3.22 | 2 |
| South Dakota | 1.96 | 2 |
| Tennessee | 1.67 | 3 |
| Texas | 1.67 | 3 |
| Utah | 1.67 | 3 |
| Vermont | 3.01 | 2 |
| Virginia | 1.67 | 3 |
| Washington | 1.67 | 3 |
| West Virginia | 2.27 | 2 |
| Wisconsin | 1.67 | 3 |
| Wyoming | 1.67 | 3 |
Wagmo Pet Insurance Comparison
Review Wagmo's features and pricing alongside other major pet insurance providers below.
Wagmo vs. Lemonade | • Dogs: 3.05 vs. 4.40 • Cats: 1.65 vs. 4.35 | Lemonade leads in affordability, coverage and service. Wagmo scores lower across most categories. |
Wagmo vs. Pumpkin | • Dogs: 3.05 vs. 2.15 • Cats: 1.65 vs. (no data) | Wagmo beats Pumpkin in affordability and coverage for dogs, though Pumpkin has better customer service. |
Wagmo vs. Rainwalk | • Dogs: 3.05 vs. 4.25 • Cats: 1.65 vs. 3.40 | Rainwalk leads in coverage and customer service, while Wagmo costs less for dogs. |
How Much Does Wagmo Pet Insurance Cost?
Wagmo's pet insurance costs an average of $67 monthly ($796 annually) for dogs and $33 monthly ($394 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Cat | $33 | $31 | $394 | $372 | 6% |
| Dog | $67 | $67 | $796 | $805 | 1% |
Wagmo Pet Insurance Rates by State
Pet insurance costs vary by state based on veterinary expenses and local claim patterns. Wagmo offers the most affordable pet insurance for cats in Kentucky at $23 monthly, while Massachusetts has the highest rate at $43. For dogs, Kentucky provides the cheapest coverage at $46 compared to Massachusetts at $88.
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Pet Type:Dog
| Alabama | $50 | $600 |
| Alaska | $59 | $703 |
| Arizona | $80 | $958 |
| Arkansas | $48 | $579 |
| California | $84 | $1,008 |
| Colorado | $83 | $992 |
| Connecticut | $80 | $949 |
| Delaware | $66 | $788 |
| Florida | $82 | $981 |
| Georgia | $62 | $739 |
| Hawaii | $69 | $826 |
| Idaho | $66 | $791 |
| Illinois | $77 | $925 |
| Indiana | $52 | $628 |
| Iowa | $54 | $654 |
| Kansas | $63 | $748 |
| Kentucky | $46 | $550 |
| Louisiana | $49 | $582 |
| Maine | $73 | $877 |
| Maryland | $61 | $728 |
| Massachusetts | $88 | $1,054 |
| Michigan | $67 | $802 |
| Minnesota | $60 | $721 |
| Mississippi | $59 | $705 |
| Missouri | $57 | $685 |
| Montana | $55 | $658 |
| Nebraska | $63 | $752 |
| Nevada | $65 | $777 |
| New Hampshire | $73 | $873 |
| New Jersey | $72 | $861 |
| New Mexico | $59 | $707 |
| New York | $71 | $847 |
| North Carolina | $58 | $694 |
| North Dakota | $51 | $607 |
| Ohio | $64 | $769 |
| Oklahoma | $60 | $718 |
| Oregon | $80 | $956 |
| Pennsylvania | $65 | $779 |
| Rhode Island | $56 | $673 |
| South Carolina | $59 | $702 |
| South Dakota | $62 | $742 |
| Tennessee | $66 | $786 |
| Texas | $72 | $865 |
| Utah | $70 | $832 |
| Vermont | $57 | $678 |
| Virginia | $68 | $808 |
| Washington | $75 | $899 |
| West Virginia | $58 | $688 |
| Wisconsin | $76 | $904 |
| Wyoming | $62 | $736 |
Is Wagmo Pet Insurance Expensive?
Wagmo ranks second for dog affordability and third for cats in our study, making it competitive but not the cheapest option available. Check the filterable table below to see costs based on your pet's age and your preferred deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$20,000
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Reimbursement %:90%
| $62 | $740 | 11% |
Wagmo Pet Insurance Discounts
Wagmo offers several ways to lower costs. Pet insurance discounts and partner pricing vary by state and by how you sign up (direct, employer benefit or through a partner).
Multi-pet discount | 5% (commonly reported) | Enroll more than one pet on the same account (availability and amount may vary by state) |
Employer/Group discount | Up to 10% | Employers or benefit platforms can offer a discount via a partner link or group enrollment |
Partner/Member promotions | Varies | Periodic partner discounts, membership perks or promotional offers applied at checkout |
Wagmo Pet Insurance Customer Service Reviews and Ratings
Wagmo ranks third nationally for customer service with both dogs and cats. The company receives low marks from the Better Business Bureau and moderate ratings on Trustpilot. Reddit users share mostly positive experiences with Wagmo's support team, though the feedback sample remains small. Overall, customer service reviews present a mixed picture across different platforms.
Wagmo Trustpilot Reviews
Wagmo receives a 3.4 out of 5 rating on Trustpilot from verified customers who review the company's service and claims handling. The below-average score reflects mixed customer experiences, with some policyholders reporting satisfaction while others cite concerns about service quality. Trustpilot collects verified reviews to help consumers evaluate companies before purchasing.
Wagmo Better Business Bureau Rating
Wagmo holds a D+ rating from the Better Business Bureau and is not BBB accredited. The D+ grade indicates below-average performance in BBB's evaluation of business practices and customer complaint resolution. Companies must meet specific standards and commit to addressing customer issues to achieve BBB accreditation.
Wagmo Pet Insurance Reddit Sentiment
Reddit users express positive sentiment about Wagmo in our analysis of four comments, with 100% favorable feedback and zero negative responses. Users praised the company's responsive customer service and clear policy terms. However, this small sample size provides limited insight into broader customer experiences. The positive feedback suggests users find Wagmo's claims process straightforward, though more user reviews would offer better perspective on overall satisfaction.
Wagmo Pet Insurance Coverage
Wagmo provides a standalone wellness product and a pet insurance product that covers accidents and illnesses. Availability, exact plan structure and some benefit limits vary by state. Read your policy or the insurer disclosure for the full coverage terms.
Deductibles | Common annual options: $250, $500, $1,000 |
Annual limits | Typical annual max: $20,000 (may vary by state and plan) |
Reimbursement rates (coinsurance) | Common options: 90% or 100% (some sources list 80–100% in certain states) |
Per-incident limit | Often $10,000 per incident (check your policy declarations) |
Lifetime limits | Example: $100,000 (policy decls may list a lifetime cap) |
Coverage for accident-only plan | Emergency exams, surgery, hospitalization, diagnostics, imaging, treatment for injuries and trauma (varies by policy) |
Coverage for accident & illness plan | All accident coverages plus illness care such as diagnostics, surgery, cancer treatment (subject to waiting periods and limits) |
Prescription medications | Insurance may cover prescription meds for covered conditions; wellness plans generally do not (wellness may reimburse preventive medications on higher tiers) |
Pre-existing conditions | Not covered (conditions evident before enrollment or during waiting periods are typically excluded) |
Bilateral conditions | If one side shows signs before coverage, the opposite side may be treated as pre-existing and excluded |
Waiting periods | Typical waiting periods: 15 days for accidents/illness, 30 days for cancer; orthopedic/cruciate waiting periods can be longer and may vary by state |
Enrollment restrictions | Wellness plans: available in all 50 states; insurance product availability varies by state; age and breed limits vary by state and by policy |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Wagmo Pet Insurance Coverage Add-Ons
Wagmo separates wellness (preventive reimbursements) from insurance (accident and illness). Wellness plans are available as standalone tiers, and insurance may be paired with wellness.
Wellness plans (Value, Classic, Deluxe) | Three tiers reimburse routine preventive care (exam fees, vaccines, routine bloodwork, fecal tests, some grooming and dental benefits on higher tiers). Reimbursements are processed quickly; exact annual limits and covered items depend on the tier. |
Wellness reimbursements | No waiting period for wellness; claims processed quickly (wellness often reimburses within 24 hours). Wellness is paid via reimbursement (Venmo, PayPal, or bank transfer options are commonly available). |
Exam fee reimbursement | Wellness plans explicitly reimburse routine exam fees; the insurance plan generally covers exam fees only when tied to a covered accident or illness. |
Preventive medication coverage | Classic and Deluxe wellness tiers may reimburse preventive flea, tick or heartworm medication; coverage on wellness is limited and tier dependent. |
Dental/Oral care (wellness) | Deluxe wellness tier may reimburse routine dental cleanings up to a modest annual limit; dental illness or surgical dental work is handled under the insurance policy subject to limits and exclusions. |
Employer/Benefit integrations | Wagmo offers employer benefit programs that can include discounts and defined reimbursement limits for employees (amounts vary by employer agreement) |
Is Wagmo Pet Insurance Good: Bottom Line
Wagmo charges $67 monthly for dog insurance and $33 for cat coverage on average. The company ranks third nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select accident-only or comprehensive accident and illness plans, with optional wellness add-ons available for routine care coverage.
Wagmo Pet Insurance Review: FAQ
Find answers to common questions about Wagmo pet insurance coverage and policies.
Is Wagmo pet insurance worth it in 2025?
Wagmo pet insurance offers mixed value in 2025, performing better for dog owners than cat owners. Dog coverage shows strong affordability with premiums averaging $67 monthly, while cat premiums run $33 monthly. Customer experience scores remain low across both categories, impacting your claims process and overall satisfaction.
What do Reddit users really think about Wagmo pet insurance?
Reddit users show overwhelmingly positive sentiment toward Wagmo pet insurance. Our data reveals 100% positive comments, with four favorable reviews and zero negative ones. Additional Reddit research indicates users praise Wagmo's straightforward policy terms and quick claim processing. Some note limited coverage options compared to competitors.
Does Wagmo cover pre-existing conditions for pets?
Wagmo excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are excluded permanently from coverage.
Can I get a discount for insuring multiple pets with Wagmo?
Yes, Wagmo provides a multiple pet discount when you insure more than one pet on the same policy. The company also offers additional savings through AAA membership discounts, workplace benefit programs and other partnership deals that can help reduce your premium costs.
Is Wagmo pet insurance available in my state?
Yes, Wagmo pet insurance is available across all 50 states. Premium costs vary based on your location. Cat coverage ranges from $23 monthly in Kentucky to $43 in Massachusetts. Dog insurance costs between $46 per month in Kentucky and $88 in Massachusetts, making location a key factor in pricing.
How We Rated Wagmo Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Wagmo performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and plan options, incorporating available discounts to reflect the actual costs pet owners pay.
Customer Experience (30% of score): This score gauges user satisfaction by using customer reviews and ratings on platforms like Trustpilot and Reddit.
Coverage Options (20% of score): To assess overall coverage value, we examined policy benefits, available add-ons and the breadth of protection.
All pricing data uses standardized quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, $20,000 annual limit and a 90% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Wagmo, Inc." Accessed October 18, 2025.
- Trustpilot. "Wagmo." Accessed October 18, 2025.