Terms and Conditions

Last updated: December 31, 2025

These terms are structured in the following manner:

1. General T&C
2. Wagmo Wellness T&C
3. Insurance T&C

1. General T&C
   1. Visitors using the site automatically agree to its terms.
   2. Wagmo reserves the right to change terms at any time without notifying visitors.
   3. By breaching terms, you forgo your right to use the website.
   4. If any term is proven to be unlawful, that term will be removed but does not affect the validity of other terms.
   5. In order to use the site you must have the full power / ability to agree to these terms.
   6. Website Content
      1. All content (text, images, logos) on this site is owned by Wagmo. Content can be saved and used personally, but not for any commercial uses.
      2. Can only link to homepage. “Deeplinking” is not allowed.
   7. Use Restrictions
      1. Can’t do anything illegal with the site.
      2. Can’t use the site for your own commercial purposes.
      3. Can’t violate the site’s privacy or security.
   8. Medical Advice
      1. Wagmo doesn’t guarantee the accuracy of medical advice.
      2. Anything pertaining to pet health is not written or endorsed by a medical professional.
   9. Account
      1. You are responsible for your privacy. If you share your password or computer with someone, Wagmo is not responsible. That said, we have state of the art protections in place to guard your information and data, so fear not.
      2. Must be 18 years old or have the permission of a parent / guardian to make a Wagmo account.
      3. We use the Personal Information you provide to contact you, support and enhance the services we offer, partner with third parties providers and to give us the ability to offer you a more enjoyable/convenient shopping experience. These third-parties are to help us identify and/or provide information, products or services that may be of interest to you. We never sell your information to others.
   10. Limitations
       1. Wagmo doesn’t guarantee the accuracy of website content.
       2. Wagmo is not responsible for anything inappropriate submitted by visitors.
       3. Individuals associated with Wagmo are not responsible for damages (physical, monetary), unless visitors can prove willful intent or gross negligence.
       4. Wagmo reserves the right to suspend any service at any time.
   11. Class Action
       1. Usage implies that you waive ability to participate in a class action suit.
2. Wagmo Wellness T&C - Please refer to our Universal Membership Agreement for a full explanation of the Terms and Conditions related to Wagmo Wellness. For efficiency’s sake, here are some excerpts related to questions that tend to come up often:
   1. Coverage & Eligibility
      1. We’ll reimburse You for covered expenses up to the benefit amount outlined in Your Wagmo Wellness plan. Wagmo Wellness only covers preventative or routine treatment for Your pet, and can only reimburse for expenses incurred during Your membership period. All reimbursements are subject to confirmation and validation by Wagmo.
      2. Coverage begins as soon as payment is processed and Wagmo will only reimburse expenses incurred after the official date and time of successful payment. For invoices originating on the same date of membership initiation, Wagmo requires a time stamped invoice to verify the expense occurred after joining. Unless otherwise outlined, time of expense is based on the time the payment was processed.
      3. To help protect against fraudulent claims, we are not able to accept handwritten receipts or claims for items/services provided by unlicensed vendors.
      4. Wagmo reserves the right to cancel any client or plan that submits claims deemed to be fraudulent. Wagmo may share any information related to such activity with the appropriate regulatory authority or law enforcement.
   2. Cancellations
      1. Either You or Wagmo may cancel this Agreement at any time, but there may be monies due upon cancellation. Because we bake in significant discounts to your monthly membership, cancellation mid-term may result in a fee. We don’t love fees, but in the event that you get reimbursed for claims and cancel, we’ll have to make ourselves whole again. We love to help you pay for stuff, but we need to stay in business in order to do so!
      2. Upon cancellation prior to the end of the Plan Year, if the total value of Plan services/products already reimbursed during the plan year exceeds the sum of monthly installments collected for that Plan Year, Member shall be obligated to do one of the following:
         1. Immediately pay full retail costs for all services/products reimbursed (with all discounts reversed as if the Plan had not been in effect for the Plan Year) to the extent such fees exceed the total of monthly payments received by Provider for the Plan Year; or
         2. Immediately pay the total remaining Plan Year monthly installments in full if less than the amount described in paragraph
      3. In the event that cancellation of this Agreement results in monies due by You, such monies shall be paid in full at the time of cancellation. To cancel this Agreement, Member must submit a cancellation request in writing to support@wagmo.io
   3. Default
      1. If You fail to pay any monthly installment by its due date, Wagmo may immediately suspend Plan services until You reinstate the Plan by paying all monthly fees due and owing at the time of payment. However, if any monthly installment is past due for 7 days, Wagmo may immediately cancel this Agreement and discontinue Plan services, declare all remaining monthly installments for the then-current Plan Year to be immediately due and payable, and refer Your account to a third-party collection agency.
3. Wagmo Pet Insurance T&C Please refer to our Insurance Terms & Conditions