# 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

| Procedure | Cost |
|-----------|------|
| 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](https://wagmo-static-prod.s3.us-east-1.amazonaws.com/documents/insurance_documents/sample_policies/Sample_Insurance_Policies.pdf) 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 Wellness](https://wagmo.io/pet-wellness) [Wagmo Insurance](https://wagmo.io/pet-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](https://wagmo.io/pet-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](https://wagmo.io/pet-insurance)

## Submitting a claim is easy

### Step 1

### Visit any licensed vet or service provider  
No network necessary - you’ve got the power to choose.

### Step 2

### Take a photo of your vet bill and upload it

### Step 3

Get reimbursed via the following:

### Understanding the terms

Pet insurance (tbh, all insurance) is traditionally pretty confusing, so let’s be clear.

##### Co-Insurance
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.

##### Deductible
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.

##### Waiting Period
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.

##### Annual Limit
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

- **When can I start using my Insurance plan?**  
Wagmo Insurance has a waiting period of 14 days in most states.
- **What vet can I go to?**  
You can visit any licensed vet in the United States.
- **Does Wagmo Insurance cover cancer for animals?**  
Yes, cancer treatment is covered with Wagmo Insurance.
- **Does Wagmo cover spaying/neutering?**  
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.