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My Subscription Addiction
My Subscription Addiction

I Wasn’t Sure Pet Insurance Was For Me. Then I Needed It.

Susannah Boyar
BySusannah BoyarJan 25, 2023In partnership with Wagmo

If you have a pet, you know just how much like family they really are. And wouldn’t you do anything to protect them from harm? My Cavapoo, Teddy, is only about a year old, but he's a huge part of my life.

He's incredibly active, so I’ve considered signing up for pet insurance before, but I was a little dubious about it because I don’t know many people who have pet insurance. I decided to take the plunge, and I have to say, Wagmo pet insurance has saved the day on many occasions (and I don’t doubt it will save us again). Here’s why Wagmo is here to stay.

Different plans for different needs

If your pet has needed veterinary care before, you know just how expensive pet bills can be. With this in mind, coverage is pretty much top priority for me – and luckily, Wagmo’s range of services is super broad. Choose a wellness plan or an insurance plan (or both!) depending on what you’ll get the most use out of. The wellness plans (Value, Classic, and Deluxe) focus on preventative care, such as routine exams, vaccines, blood work, and fecal tests. The Classic and Deluxe plans also include urinalysis, flea/tick/heartworm treatment, grooming, while dental care and VETalks tailored advice are part of the Deluxe package only.

On the other hand, the Wagmo insurance plans cover the unexpected, such as prescriptions, emergency vet visits, surgeries, X-rays, CT scans, cancer treatments, pet ambulances, and more. When Teddy was a puppy, he woke up and his eye was swollen and droopy, so they sent me on my way to the ophthalmologist. After many medical bills later, it was pink eye–if I’d had Wagmo, I would’ve gotten my money back for all of the exams.

No more mystery bills & confusing processes

Wagmo’s deductible options are very straightforward. The 3 deductible options for Wagmo Insurance plans are $250, $500, or $1000. And the best part? Wagmo pays 100% of the bill after your insurance. Maybe you opt for the $500 deductible plan, and you get slapped with a $2,000 vet bill. You’ll pay the first $500, and Wagmo will reimburse you for the remaining $1,500. The deductible resets every year.

It’s definitely fair to be concerned about when you’ll get your insurance reimbursement–arguing with a stranger over the phone feels like a total waste of time. Luckily, Wagmo’s claims processing is fast and easy. Wellness claims are paid out within 24 hours (sometimes instantly!) and insurance claims typically pay out in 2 weeks. You can even receive your payments via Venmo or PayPal for flexibility!

The beauty of Wagmo is that it’s easy, there’s no more mystery charges or random loopholes. You’ll always know exactly how much you owe, which is a far cry from some other pet insurance companies out there.

Wagmo’s veterinarian network is totally flexible

This is one of the biggest reasons I love Wagmo: Teddy gets to keep his vet! If you have ever had a pet that is shy or nervous around new people or just when going for medical visits, a familiar office can really go a long way. I love that Teddy gets to keep seeing the veterinarian he loves: Wagmo coverage can be used at ANY licensed vet!

My verdict

Wagmo made me a true pet insurance convert. Medical bills are expensive–take it from me during Teddy's pink eye fiasco–but the peace of mind I feel knowing that I can always afford care for my canine bestie is priceless. If you’re considering holistic care for your pet, too, you really can’t do any better than Wagmo!