Waggel may be an exciting new entrant to the pet insurance market, but before you dive in make sure to research some Waggel pet insurance reviews to see what existing customers have said.

In our contribution to these Waggel pet insurance reviews, we look at how the brand compares to our own cover from EmeraldPet.

“Research suggests that Emerald Pet Insurance offer excellent value for money and are very competitively priced for the high levels of cover provided. Even taking into account the optional extras. When these are removed, they are even more competitively priced.”
– Thatsinsurance.com


There are over 9.5 million dogs and 8.5 million cats in the UK, so that proves that we really are a society of animal lovers.

Pet insurance should help you in covering the cost of veterinary treatment if your pet gets injured or catches a disease. Some of the pet insurance providers will also pay out if your pet is lost or stolen, hurts someone, or damages property.

But with so many options to choose from, it can be pretty difficult and overwhelming to find the right pet insurance provider for you and your pet.

In this review, we will look at Waggel pet insurance reviews, what type of pet insurance covers they provide, what customers say about their service, as well as the added benefits they can offer.

We will also compare some of the features with Emerald Life pet insurance so that you can get a better picture of what pet insurance is the right one for you.

Is Pet Insurance Worth it?

Do you know what the average pet insurance claim in the UK is? Well, it is over £793, and claims can even go up to thousands if your pet develops an ongoing condition.

No matter how careful we are, our pets will have to go to the veterinary at least a couple of times.

Many pet owners pay out of pocket for their pet’s medical expenses. This is a lot easier to do if you bring in enough assets to put money aside for your pets’ healthcare. But most British people struggle to save money at all.

More importantly, there’s no way to expect what will happen tomorrow — you can’t predict how or when your pets will get sick or how much money will it cost you.

And if you’re still thinking of whether the pet insurance is worth it, just consider how would you be able to deal with a big unexpected bill from the veterinary.

To perfectly understand why pet insurance is worth the money, you should first see the common expenses most pet owners face.

Don’t let money decide the faith of your beloved pet. With pet insurance, you will be able to cover the huge vet bills for severe conditions and diseases.

Just imagine this, your beloved pet is gravely ill. Treatment is an option, but it will cost thousands of dollars and you don’t have money to save your pet. You realize that in order to end the animal’s suffering, you may have to put it down. This situation even has a name. It’s called economic euthanasia.

Who Are Waggel?

Waggel Pet Insurance was created to provide pet owners with an alternative option away from the oftentimes confusing and infuriating experiences that are associated with making a claim.

They want to give pet owners peace of mind that their cats and dogs are protected against accidents or diseases, allowing them to get the most out of their relationship with their beloved furry friends.

They were founded in 2018, three years after Emerald Life pet insurance. Waggel pet insurance doesn’t only represent itself as pet insurance but also as a “Pet Member Club” with membership perks and benefits. This proves that they are pretty attached to their customers and community.

Waggel exclusively offers lifetime pet insurance policies only, as it is the most extensive coverage available for pets. By offering only one type of policy, customers won’t be overwhelmed by the options.

They also offer their customers a ton of additional rewards to ensure that the pet owners who aren’t making any claims can still benefit from their membership.

What Does Waggel Pet Insurance Offers?

They’ll cover any type of vet fees ranging from £1,000, £2,000, £4,000, £6,000, £8,000, £10,000 and £15,000 that were results from an accident, disease, or a condition. It’ll also cover emergency treatment while on vacation outside the UK but within a country of the Pet Travel Scheme.

Waggel grants third-party liability of £2m, including coverage of a claimant’s costs and expenses as well as the legal expenses of defending a claim made against you.

They offer a cover of up to £1,000 if your pet dies during the policy year or has to be put down because of illness or injury.

Waggel will pay you a percentage of the amount you paid for your pet, up to £1,000 if your pet isn’t found within 40 days of being stolen or lost.

Other considerations include behavioural treatment (£1,000), diagnostic scans (£2,000), complementary treatment (£1,000), and dental treatment (£1,000).

Waggel pet insurance policy covers:

  • Vet fees
  • Behavioural treatments
  • Dental treatments
  • Pet Loss (straying or theft)
  • Third-Party liability
  • Euthanasia
  • Unexpected death

Waggel, pet insurance policy doesn’t cover:

  • Pets that are under 8 weeks old
  • Claims that are made 2 weeks after the policy start date
  • Any claims that are submitted 1 year or more after treatment was firstly initiated
  • All pre-existing conditions
  • Any type of routine treatments such as vaccinations or worming
  • Cremation
  • Pets that are used for breeding purposes
  • For certain breeds of cats and dogs, here is the list of all the breeds that are excluded

Waggel Pet Insurance Review – Cost?

The cost of Waggel pet insurance depends on a number of different factors. These include the breed of the pet, where you live, its age, etc. For this reason, it can be difficult to obtain an accurate prediction of how much pet insurance from Waggel will cost. The best way for you to know is by going to their website and getting a quote.

For your instance, we managed to request quotes for a 1 year old mixed breed cat and dog. This way you can see what to expect before asking for a quote.

Cat insurance: The lowest and most basic cat insurance was £4.89 per month, while the top plan with all the features will cost you somewhere at around £48.

Dog Insurance: £4.03 per month was the cost for the lowest dog insurance, while £37 for the highest policy.

Here at Emerald Life, we are offering you pet insurance policies starting only from £2.59 per week. So for everyone looking for more affordable options while also offering great insurance features, then Emerald Life is the way to go.

Waggel Pet Insurance Review Pros And Cons


  • Simple website design
  • Comprehensive lifetime policy
  • Get a quote in just a few of minutes
  • Receive claims through the internet
  • Membership badges


  • Doesn’t cover any pre-existing conditions
  • There isn’t a cover for cremation
  • No phone app

Customer Waggel Pet Insurance Reviews

Waggel has a rating of 4.6 out of 5 stars in Trustpilot with over 3,176 reviews. Over 85% of the people rated Waggel as “Excellent”, and they say that they are pretty satisfied with the easy process of getting a quote, simple website, and fast claims.

While the rest 15% rated it 4 stars or lower and said that the reason for this was because of problems with their claims and pre-existing conditions about their pet.

Here are some of the customer reviews:

“Amazing website. So simple to use and understand. Nice to have pet insurance without all the nonsense! All of the membership perks seem really cool and have made the experience so much better overall. Have already started recommending to friends and family.” – Jake K.

“Early days and no claim made (that’s the important part). However, great price compared to competitors and a swift response to e-mail queries. So far so good!” – David A.

Alternatives to Waggel Pet Insurance

Emerald Life is an exceptional alternative to Waggel pet insurance. Even though lifetime insurance is great and comprehensive, pet owners might be looking for a more affordable type of pet insurance policy.

At Emerald Life pet insurance, we really believe we have a good value pet insurance product for a wide variety of pets. Our price comparisons have shown that we can beat a lot of top pet insurance brands for similar cover.

  • Four levels cover up to £7,500
  • Pay monthly at no extra cost
  • Use your preferred vet

At Emerald Life, we always put the customers in the first place. So if you’re interested in getting a quote, just click here.

How To Request A Quote From Waggel Pet Insurance

If you’re looking for a pet insurance provider for your dog or cat, then it is pretty simple and easy to request a quote on Waggel’s website.

You only need to enter personal information that Waggel needs to know about your pet, such as breed, size, name, sex, weight, age, etc.

Next, you’ll need to adjust the amount that you want Waggel to pay towards your pet’s vet fees each year, which will affect the monthly payment. They cover vet fees ranging from £1,000 to £15,000 a year, so you are able to choose what is the most suitable option for you and your beloved pet.

Waggel will then ask you to pick a claim contribution, which is the price you will pay towards each unrelated situation you successfully claim in your policy year. You are able to pick the following contributions – £0, £50, £100, £200, £250, and £500.

The waggel website will automatically generate a quote for your pet insurance. And the final thing to do is pick the policy start date. Voila, you are done!

NOTE: Waggel doesn’t cover the pre-existing conditions that your pet has. If your dog or cat suffers from a pre-existing condition, then you’ll need to confess it during the sign-up process.

Waggel Pet Insurance Review FAQ

How to make a claim with Waggel

You will need to log in to your account. From there, click the ‘Make a Claim’ on the pet you would like to make a claim for.

You’ll just need to let them know a few things such as the type of claim, veterinary practice visited, and the payment details.

Once they’ve received your claim they will reach out to the vet and request a full medical history for your pet and an invoice, so you won’t need to send us these.

Claims normally take 7 days to process from when they are submitted, but this can take longer depending on how quickly they get the details from your vet.

Are there any special discounts or promotions?

There are often various offers running across different comparison websites. They also offer ‘refer a friend’. Your friends register using your link, you will get a £40 Amazon Gift Card and your friend will receive 1 month of free pet insurance.

Does the policy cover my pet during pregnancy?

Waggel doesn’t provide any type of coverage for pets that are being used for breeding. (whether as a business or not)

If your lovely pet gets pregnant during the pet insurance period, Waggel won’t cover her for anything that relates to her pregnancy, whelping, or kittening. So if you use your pet for breeding, then you won’t benefit from this policy at all.


We have approached the end of the review about Waggel pet insurance. We can say that they provide a modern pet insurance approach to their customers.

You shouldn’t worry about paperwork or any trips to the vet. You can easily get a quote just by going to the website and follow the process.