Wagmo Insurance
Wagmo Insurance
Protection against the unexpected
Wagmo Insurance covers the unexpected vet bills, giving pet parents peace of mind.
Wagmo Insurance is not available in ME, MT, RI or WA.
Coverage for the rainy days
When emergencies happen, expenses can grow quickly, turning a stressful situation into a financial strain. With Wagmo Insurance, you can rest assured knowing that unexpected veterinary bills for your pet are covered.
Oscar fractured his leg while playing at the dog park and now needs a $4,055 surgery.
You can pay as low as
$630
We can pay
$3,425
*For plans with a $250 deductible and 90% co-insurance
ESTIMATED COST OF PROCEDURES
Surgical Pre-Op X-Rays
$150
Fracture Repair
$1,000
Anesthesia Advanced (30min)
$395
Anesthesia Each Add. (30min)
$330
Operating Room Fee
$177
Surgical Assistant Fee
$150
Surgical Pack Fee
$98
IV Fluids
$140
Medications
$75
Surgical Post X-Rays
$150
Hospitalization
$750
Surgical Implants
$500
Surgical Implant Pin
$140
Total
$4,055
Cost estimates based on U.S. averages for 2025; actual cost varies by region, dog size, clinic type, and injury severity. Source: CareCredit
Here's what we cover
Laboratory Tests
Cancer Treatment
Hereditary & Congenital Conditions
Hip Dysplasia
End of Life Care
Prescription Medication
Emergency Vet Visits
Virtual, In-home/In-Office Care
Hospital Stays
Surgeries
X-Rays
Ultrasounds
CT Scans
Dental Surgeries
Prescription Food
Prosthetics & Orthopedics
Vitamins/Supplements
Alternative Therapies
Stem Cell Therapy
Behavioral Therapy
Microchip Implantation
Prescription Supplements
Hydrotherapy
Spaying/Neutering
Preventative Care
Biohazard Fees
Cosmetic Surgeries
Breeding, Pregnancy, or Birth Expenses
For a full list of exclusions, have a look at a sample policy for your state. Any coverage is subject to the terms, conditions, and exclusions of the insurance policy.
Your Choice of Vet
No network requirements. You have the option to choose any licensed veterinarian in the U.S.
Maximum Coverage
Wagmo Insurance Plans offer some of the most comprehensive protection available, designed to safeguard pets (and wallets) when it matters most.
Easy Claim Submission
Filing a claim is incredibly simple and takes less than a minute.
How we helped pet parents get through the “oh no’s”
Pudding
4+ years with Wagmo
I am new at this pet parenting thing…
The most valuable thing about Wagmo to me is the knowing that my dog will be taken care of in case of an accident and I won’t have to worry about breaking the bank.
Covered With:Wagmo WellnessWagmo Insurance
Oakley
7+ years with Wagmo
Oakley had to go to the ER for an unknown reason
Submitting a claim and getting reimbursed was so easy and fast! Really made everything go so smooth and we were very impressed by the level of service received.
Covered With:Wagmo Insurance
Luna
6+ years with Wagmo
My puppy injured her leg and we had to go to the emergency vet clinic.
I filed my pet health insurance claim with Wagmo pet insurance on the same day and received my payment within 2 weeks. It was easy to submit the claims by just uploading the receipts. My follow-up appointment’s claims were also a breeze to process. By far it is the quickest and easiest pet health insurance I’ve had.
Covered With:Wagmo Insurance
Submitting a claim 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 via the following:
Understanding the terms
Pet insurance (tbh, all insurance) is traditionally pretty confusing, so let’s be clear.
Co-insurance, or reimbursement rate, is the percentage of the bill your plan covers after your deductible. You choose how much coverage you want, and your monthly premium adjusts accordingly.
Your deductible is the amount you pay before your insurance coverage kicks in. Higher deductibles mean lower monthly premiums, so you can choose what works best for your budget. Let’s say you choose a $500 deductible and get a $2,000 vet bill. You’ll pay the first $500, and your plan covers the rest.
A waiting period is the short amount of time at the beginning of your policy during which coverage is not yet active. Claims for any illness or injury that occurs during this period will not be eligible for reimbursement. The Wagmo Insurance waiting period is 14 days.
This is the maximum amount your plan will reimburse in one year. You can choose from multiple annual limit options to match your needs and budget.
FAQs
Wagmo Insurance has a waiting period of 14 days in most states.
You can visit any licensed vet in the United States.
Yes, cancer treatment is covered with Wagmo Insurance.
While we wholeheartedly support and recommend spaying / neutering your pet(s), we do not cover or reimburse spaying or neutering under Wagmo Insurance or Wagmo Wellness.