Waggel Reviews 

14,411
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 3,784 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the supportive staff and the fast, efficient claim process, noting that dealing with pet insurance is remarkably straightforward and pleasant. People also deeply appreciate the competitive pricing and extremely helpful customer service agents who readily guide them through policies and daily veterinary needs. However, some customers also noted steep and unexpected price increases upon policy renewal and expressed frustration when claims were denied due to pre-existing conditions. A few other reviewers experienced processing delays or felt that certain specific veterinary treatments were unfairly classified as ineligible procedures.

What people talk about most

Claim

Users describe ambiguous interactions with claim, noting mixed experiences regarding the procedure. Some... See more

Service

Reviewers mention positive feedback about service, highlighting prompt payouts and a lack of unnecessary red... See more

Customer service

People report positive experiences with customer service, noting that support agents are consistently... See more

Price

Reviewers highlight ambiguous aspects of price, as initial rates are often described as very competitive and... See more

Payment

Consumers find payment experiences to be mixed, with significant disagreement regarding the process. Many... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Highly recommend! The claim process is unbelievably smooth, and the group chat support is always there when you need it. I received almost 100% of my reimbursement within just 2 weeks. Plus, having 24... See more

Rated 5 out of 5 stars

Wow! Libbie is a superstar! Not often you can say dealing with insurance claims is straightfoward, informative and actually a pleasure. However, Libbie at Waggel has been incredibly patient, knowledge... See more

Rated 4 out of 5 stars

I have made my first claim for my 15 year old cat after having had to take her to an out of hour emergency vet, because she suffered from sudden blindness . It took a lot longer than expected for tha... See more

Rated 5 out of 5 stars

My dog requires a scale and polish. Received an estimate from the Vets and submitted a pre-authorisation claim online. Easy to complete. Provided a brief history of previous dental check-ups. The fol... See more


Company details

  1. Pet Insurance Company

About Waggel

Written by the company

Less stress, more love.

At Waggel, we’re just as obsessed with pets as you are - and we understand better than anyone why you want the best for them. That’s why we created a pet insurance policy that’s simple, clear and packed with everything your pet might need (and then some). No sneaky surprises, no confusing jargon - just one Lifetime policy that’s got your back from puppyhood to your pet’s golden years.

Our Lifetime pet insurance covers the big stuff like dental care, cancer and diabetes. But it’s not just about the policies. It’s about you and your pet feeling safe and supported every step of the way.

With over 15 years of insurance experience under our belts, we’re here to make sure you’re always in good hands with a personally assigned UK-based vet nurse to help manage your claims. This means you’ll never be left on hold for hours and can wave goodbye to mountains of paperwork.


Why Waggel?

We’re here to take the hassle out of pet insurance. No endless options, just one simple Lifetime policy that you can customise to fit your budget and needs. Here’s what sets us apart:

  • One policy, endless love. Our Lifetime policy covers a range of conditions and costs, from dental care to cancer.
  • No surprises, just clarity. Transparent pricing, easy-to-understand policy wording and a smooth claims process.
  • Your pet’s personal cheerleaders. You’ll have a dedicated claims handler with you every step of the way - because we know how important it is to feel supported when you need it most.
  • Giving back. We partner with charities to support dogs and cats in need because there’s nothing better than spreading the love.

Contact info

  • 1st Floor, 5 St Helen's Pl, London, EC3A 6AB, London, United Kingdom

  • www.waggel.co.uk

4.5

Excellent

TrustScore 4.5 out of 5

14K reviews

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4.5

All reviews

(14,411)

3,614 reviews in the last 12 months

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Rated 5 out of 5 stars

Pre-Authorisation for dental treatment

My dog requires a scale and polish. Received an estimate from the Vets and submitted a pre-authorisation claim online. Easy to complete. Provided a brief history of previous dental check-ups. The following day received authorisation to go ahead with the treatment.
Treatment still to happen, so have yet still to claim reimbursement, but the first part of the process was straightforward enough.

July 31, 2026
Rated 3 out of 5 stars

Resolved eventually, but far more difficult than it should have been

I'm pleased that Waggel ultimately upheld my complaint and overturned the original decision after contacting my veterinary practice directly. However, this only happened after I had to go through the formal complaints process. The initial claim decision was based solely on incomplete veterinary notes, despite routine examinations having been carried out. I appreciate that the complaints team investigated thoroughly and reached the right outcome, but I feel this could have been resolved much earlier without the need for a formal complaint.

July 24, 2026
Waggel logo

Reply from Waggel

Dear Allan,

Thank you for taking the time to share your experience. We're pleased that, following a full review, we were able to overturn the original decision and reach the right outcome for your claim.

We're sorry that this wasn't resolved sooner and appreciate how frustrating it must have been to go through the complaints process. While we sometimes need to obtain additional clarification from a treating vet before we can make the correct decision, we recognise that this can be disappointing when it delays the outcome.

We're glad our Complaints Team was able to investigate thoroughly and put things right. Your feedback is valuable and helps us continue to improve our claims process. Thank you again for bringing this to our attention, and we wish you and your pet all the best.

The Waggel Team

Rated 1 out of 5 stars

I put in a claim for my dog and they…

I put in a claim for my dog and they refused payout 3 weeks after waiting. They used any excuse not to pay out. The service is shocking. Would definitely not recommend.

July 31, 2026
Unprompted review
Waggel logo

Reply from Waggel

Dear Debbie,

Thank you for taking the time to share your feedback. We're sorry to hear that your experience didn't meet your expectations.

We understand how frustrating it can be when a claim outcome isn't what you were hoping for. We take all feedback seriously and are always looking for ways to improve the experience we provide.

If there's anything you'd like to discuss further or if you have any outstanding questions, please don't hesitate to get in touch with our team. We'll be happy to help in any way we can.

The Waggel Team

Rated 4 out of 5 stars

I hope that if a claim is made, WAGGEL will meet expectations…

Renewing insurance for my dog and two cats is always difficult- trying to find the best value for money and, more importantly, deciding how much to insure them for because you never know what may happen. They all seem to expect +/- £250 plus 20% - 25% of the balance which is a big ask when you are already paying +:- £1000 per annum. I hope none of my pats ever need to make a claim but I can only hope WAGGEL will step up if the need arises. That said, the process of insuring with WAGGEL was straightforward and what they offer is easy to understand. Haven’t had to make a claim as yet so unable to rate their reliability.

July 23, 2026
Rated 5 out of 5 stars

So good so far

Easy to contact, lovely lady on phone talked me through completing form in online. Pre-authourisation for scan processed quickly. First time we've had to use insurance for our dog but so good so far.

July 23, 2026
Rated 5 out of 5 stars

Waggle for no fuss pet insurance cover

Waggle was recommended to me by a friend. The website was easy to navigate and straightforward to obtain a quote. Waggle recognise that even more mature dogs can benefit from insurance cover. Was satisfied with the experience.

July 31, 2026
Unprompted review
Rated 5 out of 5 stars

Excellent Service and user experience

Unfortunately we lost our dear Beagle Jasper on Monday after quite the battle with Cancer. Waggle have been incredibly supportive throughout and recently when claiming have been no trouble to deal with at all and despite having a backlog due increased claims cases - I feel my claims were dealt with very quickly indeed. The website is a doddle to use and updated regularly - I haven’t had the need to speak to anyone directly but email and website communications are prompt and helpful.
Will definitely be back should we decide to embark on another doggo relationship.

July 30, 2026
Rated 1 out of 5 stars

Same as all the other insurers

Same as all the other insurers. The ownership for my cat has been transferred since 2020 but has been continuously through waggle with no interruption. I took over care in 2023 and because I uttered the word to my vet that she had problems since she had entered my care covered denied as a pre-existing condition. Very poor show waggle.

July 23, 2026
Waggel logo

Reply from Waggel

Hi Clara,

Thank you for taking the time to leave a review.

We're sorry to hear you're disappointed with the outcome of your claim. When we assess claims, we rely on your pet's full clinical history and the terms of the policy to determine whether a condition is considered pre-existing.

If you believe the decision doesn't accurately reflect your pet's medical history, you can dispute the outcome by logging into your Waggel account, going to Claims. If your vet is able to provide a supporting statement explaining why the condition should not be considered pre-existing, this will help us carry out a full reassessment.

We appreciate your feedback and will ensure any additional information you provide is reviewed carefully.

The Waggel Team

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