# Pet care coverage from head to tail Get covered in minutes! ### Wagmo Wellness Wagmo Wellness includes everything from routine check-ups to preventive care. Plus, no exclusions around pre-existing conditions! - Wellness Visits - Bloodwork - Vaccines - Telehealth - Grooming - Member Perks [Explore Wellness](https://wagmo.io/pet-wellness-plans) **Available for:** - **Dogs** - **Cats** ### Wagmo Insurance From injuries to illnesses, Wagmo Insurance provides customizable plans, giving you peace of mind for the unexpected. - Emergencies - X-Rays - Surgeries - Prescriptions - Illnesses - Cancer [Explore Insurance](https://wagmo.io/pet-insurance-plans) **Available for:** - **Dogs** - **Cats** ## Getting started with Wagmo is easy - Visit any licensed vet or service provider No network necessary - you’ve got the power to choose. - Take a photo of your vet bill and upload it Submit a photo of your bill and let our magical claims processing do the rest. - Get reimbursed with the following: ## We’re a new breed of coverage, with benefits like no other… Any Vet, Any Pet Wagmo plans work with any licensed vet, so you can stick with your trusted pet healthcare provider and stay covered when you travel nationwide. We also offer wellness plans for every dog or cat - regardless of age, breed or pre-existing conditions - so you always have support from our Wagmo pack. Money in Your Pocket Get cash back on the routine care you’re already providing for your pet - up to $1,100 a year with our top wellness plan. Plus, enjoy up to 100% coinsurance (in select states), with our insurance plans - so you’re prepared to give your pet the care they deserve should the unexpected happen. Hassle-Free Reimbursements We’ve made claims processing painless and paperless. Simply upload a photo of your bill to our app for greyhound-fast reimbursements directly to your bank, Venmo or PayPal account. Telehealth Advice 24/7 Reach veterinary professionals 24/7 with questions on diet, behavior, minor mishaps, virtual training sessions, and more. Plus, explore personalized articles aimed at guiding you through each step of your pet parenting journey. ## True tales from our Wagmo pack **Covered with Insurance plans** **Protected with Wellness plans** Oscar needed... X-Rays for a broken leg Wagmo Insurance covered: **$1,750** [Explore Insurance](https://wagmo.io/pet-insurance-plans) Max needed... Lyme and bordetella vaccines Wagmo Wellness reimbursed: **$150** [Explore Wellness](https://wagmo.io/pet-wellness-plans) Charlie needed... Surgery for hip dysplasia Wagmo Insurance covered: **$3,250** [Explore Insurance](https://wagmo.io/pet-insurance-plans) Buddy needed... A routine exam Wagmo Wellness reimbursed: **$200** [Explore Wellness](https://wagmo.io/pet-wellness-plans) ## Always on. Always caring. VETalk (24/7 Telehealth) Around the clock virtual care is now included with our VETalk telehealth capabilities. Connect with live Vets and Vet Techs for help with anything from diet and nutrition advice to illness prevention. ## Real pet parents. Real reviews. > Signed up for Wagmo yesterday, took my dogs for their annuals today, and was just reimbursed for almost the entire cost. This service has already paid for itself on the first day! > - Ashley S. M. > Wagmo is absolutely amazing. I referred a few different people as well to Wagmo. I have never had a problem getting reimbursed for my (2) dogs vet visits. I just got a reimbursement a few days ago for my puppies well visit $173.00 in my account and all I had to do was take a picture of the receipt and upload. > - Deborah > Love the app as it makes helpful recommendations on plans for my family dog. Could not believe how easy it is to submit a claim and get paid quickly. Thanks! > - Labbie > Claim submitted at 5:44pm PST and I got the money in my Venmo account at 6:10pm PST! I’m not even home from the vet yet. What is this magic??? I’m in love. Everyone get this. > - Allison R. > Incredible customer service, quick turnaround on claims. No tricks, no gimmicks, just a great company. > - Adrienne M. > I submitted my claim for heartworm med reimbursement at 4:30 pm and was paid at 5:40 pm. AMAZING. Will recommend this plan to all of my pet parent friends. > - Kelly C. ## FAQs ### How are pet wellness and pet insurance plans different? Think of wellness plans as preventive care, and insurance as a safety net for unforeseen circumstances. Our wellness plans provide over $1,100/year in reimbursements and value for everyday care expenses like annual visits, grooming and 24/7 telemedicine support. Wagmo Insurance plans reimburse your unexpected costs related to accidents, illnesses, and injuries. Our insurance plans cover up to 100% of costs (in select states) after your deductible. ### How long does it typically take to receive reimbursement? With our wellness plans, we work swiftly to ensure you receive your reimbursements within 24 hours of claim submission. For our insurance claims, our goal is to process and reimburse within a 2-week window. During high claim periods, this timeline may extend, but we’ll always keep you informed and work diligently to get your reimbursement to you as quickly as possible. ### How do I know how much of a service will be reimbursed? With Wagmo, you’ll always know what to expect when it comes to reimbursements. Once you select a wellness plan or insurance, you’ll receive a clear breakdown of what services are covered and to what extent. If you have any questions or need more clarity, our support team is just a chat or call away. ### Does every pet qualify for your coverage? Yes, every dog & cat qualifies for our Wellness Plans - there are no restrictions based on age, breed, pre-existing conditions or health status. Our insurance plans are available for cats and dogs, and are priced based on a number of factors including your pet’s age, breed, and the cost of care in your Zip code. Note that there are some limitations on coverage under insurance based on your pet’s age or pre-existing conditions. For more information, we recommend reaching out to our support team to select the best coverage for your pet. ### How quickly can I start using my coverage? With Wagmo, you can start using your pet wellness plan immediately after enrollment. For our pet insurance, there’s a short waiting period—just 15 days for accident/illness coverage and 30 days for cancer coverage. This is to prevent fraudulent claims and to ensure we can continue offering competitive rates to all our members.