Review: Waggel pet insurance

Irina Wells
27 August 2021 - 3 min read

Key policy features

  • Waggel provides lifetime pet insurance policies for cats and dogs.

  • Up to £10,000 of annual vet fee coverage.

  • 24/7 video consultations with UK vets through FirstVet.

  • Discounts on pet food & accessories and the chance to donate unclaimed premiums to pet charities.

How does Waggel compare to ManyPets?

Waggel was launched in December 2018 a year after ManyPets' pet insurance. Both companies offer lifetime policies covering cats and dogs.

All ManyPets and Waggel policies are lifetime, which means the vet fee cover level resets every year you renew so it can cover ongoing illness and conditions throughout the lifetime of your pet.

ManyPets' Complete policy gives pet owners a vet fee cover level of £15,000 which is £5,000 more than Waggel's highest level of £10,000. If you need something lower, ManyPets offer lifetime policies with £3,000 and £7,000 of cover.

ManyPets pet insurance can help pet owners save money. They also have a 15% multi-pet discount if you insure more than one pet on the same policy. (Our multi-pet discount is not currently available on our Value 2k policy). At the time of writing Waggel do not offer a multi-pet discount.

Within their annual coverage, Waggel and ManyPets have limits on annual claims for complementary and behavioural treatments. Waggel has a £1,000 limit and ManyPets' Complete policy has a £2,500 limit.

Two of the biggest differences between each pet insurer is that ManyPets can cover conditions that ended more than two years ago. They also have a policy that can cover conditions that have ended more recently. Waggel do not cover what such conditions.

ManyPets also allow new customers to make an immediate claim if they switch directly to ManyPets from another pet insurance provider. ManyPets have removed the 14-day exclusion period, allowing customers to claim immediately.

If you have more than one pet, ManyPets offer a 15% multi-pet discount which is the largest discount currently available in the market. (Our multi-pet discount is not currently available on our Value 2k policy). Waggel do not currently offer a multi-pet discount.

Waggel and ManyPets both provide their customers with free video consultations UK vets through the FirstVet app. Waggel offers a personal claims handler. ManyPets does not provide this service but all claims are tracked in a customer's online account. You can log in at any time to see how your claim is progressing.

Learn more about lifetime pet insurance policies here.

We've compared the top levels of cover that we and Waggel offer. The table uses our Complete policy for cover levels.

Highest level of vet fee cover£15,000 (Lifetime)£10,000 (Lifetime)
Video vet calls as standardYes (24/7 video vet call through First Vet)Yes (24/7 video vet call through First Vet)
Claims waiting period is removed if you switch to the providerYesNo (14 day waiting period applies)
Lifetime coverAll policiesAll policies
Excess payableOnce a policy yearYes - per new claim
Multi-pet discount15% discount for pets insured on the same policyNo
Cover for dental accidents and illnessYes (Up to full vet fee limit)Yes (£1,000)

How much does Waggel pet insurance cost?

The cost of pet insurance is influenced by a number of different factors. These include the breed of the pet, its age and where you live. For this reason, it can be difficult to make an accurate prediction of how much pet insurance from Waggel will cost.

Find out how much your quote is on Waggel's site.

Check out our article on the cost of dog insurance for more information on this.

Pet Policy Excess

Customers can choose the amount of excess they wish to pay which can lower monthly premium prices. This includes an option of: £50, £100, £250 and £500.

Compulsory excess increases at the age of 8 for dogs and 10 for cats. A Co-payment of 20% will be applied once a cat or dog reaches these ages.

Are pre-existing conditions covered?

Waggel does not cover pre-existing conditions.

Waggel does not cover chronic or congenital conditions. When applying for a policy with pre-exisiting conditions, customers will need to confirm that the condition they want to include, is not on Waggel's list of chronic or congenital conditions that are excluded.

Are promotional codes and discounts available for Waggel?

Waggel provide awards and discounts from its pet brand partners: Butternut Box, Scrumbles, Beco, Rockstar, and Benyfit.

How to make a claim with Waggel

To make a claim, customers need to log into their account before selecting claim and answering the specific questions promoted on the screen. They should download and complete their claims forms from and either email it to or post it to WeWork, 131 Finsbury Pavement, EC2A 1NT, London.

Once each customer has filled out their details, the claim will be sent to their chosen vet that performed the treatment. The vet will then need to complete their section and provide all relevant details. Once this has been completed, the claim will then be processed by Waggel.

Customers can track the progress of their claim in real time by using the WaggelApp. Once a claim has been processed, Waggel will pay a vet directly. If this isn't possible the payment can be made to policy holders. They will only pay one party for the amount claimed.