MoneyGeek's analysis gives Wagmo pet insurance 1.65 out of 5 for cats and 3.05 for dogs. Wagmo excels in dog affordability at second place nationally, but ranks third for customer experience for cats and dogs. Accident coverage includes a 15-day waiting period.
Wagmo Pet Insurance Review
Updated: April 28, 2026
Advertising & Editorial Disclosure
Wagmo Pet Insurance Review: Key Takeaways
Wagmo charges $33 monthly to insure cats and $67 for dogs, placing third for cat affordability and second for dog affordability.
Wagmo ranks third nationally for customer experience. External review platforms show a D+ from the Better Business Bureau and 3.4 out of 5 on Trustpilot.
Wagmo's coverage includes accident and illness plans plus optional wellness benefits for routine and preventive care, earning third place nationwide.
Wagmo Pet Insurance Ratings
Data filtered by:
Dog
| Customer Experience | 1.66 | 3 |
| Overall Score | 3.05 | 3 |
| Coverage | 3.12 | 3 |
| Affordability | 3.82 | 2 |
WHO IS WAGMO PET INSURANCE BEST FOR?
Wagmo works best for pet owners wanting up to 100% reimbursement on covered costs. Wagmo offers a standalone wellness plan for preventive care services, but pet owners needing higher annual limits or immediate accident coverage will find better options elsewhere.
See the best pet insurance options for your pet:
Wagmo Pet Insurance Ratings by State
Wagmo provides pet insurance coverage in all 50 states. Wagmo places third for overall performance in every state for cats and dogs. Affordability ranks higher: second place in 37 states for dogs and 24 states for cats. Wagmo doesn't lead in any category but consistently places third for coverage and customer experience.
Data filtered by:
Affordability
Cat
| Alabama | 1.66 | 3 |
| Arkansas | 1.66 | 3 |
| California | 1.66 | 3 |
| Connecticut | 1.66 | 3 |
| Georgia | 1.66 | 3 |
| Hawaii | 1.66 | 3 |
| Idaho | 1.66 | 3 |
| Illinois | 1.66 | 3 |
| Kansas | 1.66 | 3 |
| Massachusetts | 1.66 | 3 |
| Michigan | 1.66 | 3 |
| Mississippi | 1.66 | 3 |
| Missouri | 1.66 | 3 |
| Montana | 1.66 | 3 |
| Nebraska | 1.66 | 3 |
| New York | 1.66 | 3 |
| Ohio | 1.66 | 3 |
| Oregon | 1.66 | 3 |
| Rhode Island | 1.66 | 3 |
| Tennessee | 1.66 | 3 |
| Texas | 1.66 | 3 |
| Utah | 1.66 | 3 |
| Virginia | 1.66 | 3 |
| Washington | 1.66 | 3 |
| Wisconsin | 1.66 | 3 |
| Wyoming | 1.66 | 3 |
| Colorado | 1.7 | 2 |
| Arizona | 1.88 | 2 |
| Alaska | 1.92 | 2 |
| South Dakota | 1.95 | 2 |
| New Hampshire | 2.06 | 2 |
| Florida | 2.07 | 2 |
| New Mexico | 2.11 | 2 |
| North Dakota | 2.23 | 2 |
| Delaware | 2.24 | 2 |
| North Carolina | 2.24 | 2 |
| West Virginia | 2.26 | 2 |
| Oklahoma | 2.31 | 2 |
| Maine | 2.42 | 2 |
| New Jersey | 2.67 | 2 |
| Minnesota | 2.69 | 2 |
| Kentucky | 2.69 | 2 |
| Iowa | 2.76 | 2 |
| Maryland | 2.92 | 2 |
| Pennsylvania | 2.97 | 2 |
| Vermont | 3 | 2 |
| Nevada | 3.21 | 2 |
| South Carolina | 3.21 | 2 |
| Louisiana | 3.39 | 2 |
| Indiana | 3.47 | 2 |
Wagmo Pet Insurance Comparison
Compare Wagmo's features and pricing with other major pet insurance providers:
Lemonade | • Dogs: 3.05 vs. 4.40 • Cats: 1.65 vs. 4.35 | Lemonade outperforms Wagmo in affordability, coverage and customer service for cats and dogs. |
Pumpkin | • Dogs: 3.05 vs. 2.15 • Cats: 1.65 vs. (no data) | Wagmo ranks higher for dog affordability and coverage, but Pumpkin's customer service scores better. |
Rainwalk | • Dogs: 3.05 vs. 4.25 • Cats: 1.65 vs. 3.40 | Rainwalk scores higher for coverage and customer service. Wagmo offers lower dog premiums. |
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 location and pet breed affect your premium.
| 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 pet owners pay the lowest rates at $46 monthly compared to Massachusetts at $88.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$500
$20,000
90%
| $62 | $740 | 11% |
Wagmo Pet Insurance Discounts
Wagmo offers a pet insurance discount when you enroll more than one pet or join through a participating employer.
Multiple pets | Up to 10% | Enroll more than one pet with Wagmo |
Employer group plan | 10% | Employers or benefit platforms can offer a discount via a partner link or group enrollment |
Wagmo Pet Insurance Customer Service Reviews and Ratings
Wagmo ranks third nationally for customer service for dog and cat insurance. The company receives low marks from the Better Business Bureau (BBB) and moderate ratings on Trustpilot. Reddit users share mostly positive experiences with Wagmo's support team, but only four comments were analyzed.
Wagmo Trustpilot Reviews
Wagmo receives a 3.4 out of 5 Trustpilot rating from verified customers. The below-average score shows divided customer opinions on Wagmo's service and claims handling.
Wagmo Better Business Bureau Rating
Wagmo holds a D+ rating from the BBB and isn't BBB-accredited. The D+ grade shows below-average performance in business practices and complaint resolution.
Wagmo Pet Insurance Reddit Sentiment
All four Reddit comments about Wagmo were positive in our analysis. Users praised Wagmo's responsive customer service and clear policy terms. This small sample shows users find Wagmo's claims process straightforward.
Wagmo Pet Insurance Coverage
Wagmo provides a standalone wellness plan and a pet insurance policy 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 pet insurance coverage terms.
Coverage for accidents and illnesses | Covers emergency exams, surgery, hospitalization, diagnostics, imaging, treatment for injuries and illnesses |
Bilateral conditions | If one side shows signs before coverage, the opposite side may be treated as pre-existing and excluded |
Enrollment restrictions | No upper age limit specified |
Pre-existing conditions | Curable pre-existing conditions may be covered if cured and symptom-free for 12 months |
15 days for accidents and illnesses, 30 days for cancer | |
Covers the first 50% prescription medication costs | |
80%, 90%, 100% | |
$250, $500, $1,000 | |
$20,000 | |
*Coverage varies by state and policy terms. Review your policy and consult your 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). Its wellness plan is available as standalone tiers and insurance may be paired with wellness.
Wagmo Wellness | Comes in three tiers: Value, Classic, Deluxe; reimburses routine preventive care (exam fees, vaccines, routine bloodwork, fecal tests, some grooming and dental benefits on higher tiers) |
Is Wagmo Pet Insurance Good: Bottom Line
Wagmo charges an average of $67 monthly for dog insurance and $33 for cat coverage. The company ranks third nationally for customer experience with a 3.4 Trustpilot score and a D+ BBB rating. Pet owners can select accident-only or comprehensive accident and illness plans, with optional wellness add-ons available for routine care coverage.
Browse through our review guides for the top pet insurance companies for your pet:
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 premiums average $67 monthly, while cat premiums run $33. Customer experience ranks third nationally for cats and dogs, which affects your claims process and overall satisfaction.
What do Reddit users really think about Wagmo pet insurance?
Reddit users gave Wagmo overwhelmingly positive feedback. Our data shows all four comments were favorable. Additional Reddit research shows users praise Wagmo's straightforward policy terms and quick claim processing. Users 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 savings through AAA membership discounts, workplace benefit programs and other partnership deals that reduce your premium.
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
Wagmo offers competitive premiums but ranks lower for customer experience. We evaluated whether the savings justify the trade-off by scoring Wagmo across three weighted factors that matter most when choosing pet insurance.
Affordability (50%): Premiums determine whether you can maintain coverage long-term. We collected quotes for multiple dog and cat breeds at different ages and plan configurations, including all available discounts. This factor weighs heaviest because the best coverage means nothing if you can't afford to keep it.
Customer experience (30%): Reviews from Trustpilot, Reddit and BBB ratings show how Wagmo handles claims and resolves problems that marketing materials won't tell you. Lower scores here mean potential frustration during the claims process when you need support most.
Coverage options (20%): We analyzed Wagmo's accident and illness plans, plus optional wellness add-ons. More coverage flexibility increases your odds of finding a plan that matches your pet's needs and your budget.
Our standardized quotes use a 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $500 deductible, $20,000 annual limit and 90% reimbursement rate. This allows direct comparison across all pet insurers we analyze.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Wagmo, Inc." Accessed May 9, 2026.
- Trustpilot. "Wagmo." Accessed May 9, 2026.