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Waggel Pet Insurance Review – Forbes Advisor UK

Who are Waggel?

Established in 2018, Waggel is the trading name of Waggel Limited. The company is an appointed representative of City Insurance Brokers Ltd, which is authorized and regulated by the Financial Conduct Authority.

Its policies are underwritten (backed financially) by Red Sands Insurance Company (Europe) Ltd.

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Should I consider Waggel?

Waggel provides lifetime insurance policies for cats and dogs. Benefits include cover for hip issues, cancer, dental treatment if due to an accident (£1,000 annual limit), complementary treatments such as hydrotherapy, acupuncture and massage (£1,000 annual limit) and £2 million annually for third party liability (applies to dogs only).

Waggel contacts your vet directly for invoices. In common with most pet insurers, it does not cover pre-existing medical conditions.

You can choose a policy with annual cover limits ranging from £1,000 to £10,000, which is the maximum you would be able to claim under the policy during the 12-month period.

Fairer Finance – the independent assessment site which rates companies and their products – does not have a customer experience rating for Waggle but its policies are rated 3 out of a possible 5 stars.

On the public access Trustpilot review platform, it scores 4.3 out of 5 stars from 650 reviews. Customers are happy with its value for money and the speed of its claims process. Negative feedback concerns rises in premiums and rejected claims.

How to contact Waggel

You can contact Waggel online via its contact page. The company also has TwitterFacebook and Instagram accounts.

Find the best pet cover for you

According to the Association of British Insurers’ latest figures, surgery for a cat’s broken tibia amounts to nearly £2,000, while treatment for a dog with diabetes costs over £1,200 over an 18-month period.

Having the right cover in place means you won’t be left out of pocket should a medical emergency arise with your pet.

There are several types of pet insurance policy:

  • lifetime the most comprehensive and most popular type of policy, it covers treatment costs throughout your pet’s life provided you renew the policy each year. Vet fees are covered to a maximum amount each year. The limit will ‘reset’ on annual renewal of your policy. This policy tends to be the most expensive.
  • Maximum benefit – on this type of policy you can claim up to a set amount for each injury, illness or condition. There is no deadline imposed – you can claim until the financial limit is reached. Once reached, the limit cannot be renewed.
  • Time-limited – cover starts from when the condition first occurs for a period of typically 12 months. You may also be restricted to a fixed sum for each condition.
  • Accident only – Typically, your pet is not covered for illness, only injury from accidents, and you are limited up to a fixed sum for treatment costs. There may also be a time limit on cover for each condition, from when treatment starts – usually 12 months.

Compare pet insurance providers

Using an online pet insurance comparison tool such as ours, allows you to run quotes and find the cheapest deals to suit you and your pet’s needs within seconds.

First, you will need to enter a few details such as your address. You will also need to provide details, such as your pet’s breed and age and whether it is spayed or neutered, chipped and its vaccination status.

Bear in mind that younger and healthier pets are usually cheaper to insure, so it’s a good idea to get your pet covered as early as possible.

This is also important as many insurance policies do not cover pets with pre-existing conditions, and may apply a waiting-period of typically 14 days for claims relating to illness and five days for injury claims, if they do.

In addition to comparing premiums, look out for the policy ‘excess’ or ‘deductible’. This is the amount you will be required to pay towards the cost of any claim you make.

Some policies also require you to pay additional amounts in addition to any excess when you make a claim. These are often called ‘co-payments’ and are usually applied as your pet gets older and therefore more prone to illness.

Note that there is often a trade-off between premiums and the stated excess – a higher excess may lead to a lower premium and vice versa. You will have to decide which option you prefer, but remember that you cannot avoid paying the excess if you want the insurer to pay the balance of the claim.

Note that insurers may raise premiums at renewal, as your pet gets older.

Crucially, compare cover levels and benefits. For example, some insurers, such as Waggel, offer 24/7 vet video calls and cover for medical emergencies abroad.

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