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Wag! Walking Pet Insurance Review 2024
Wag! Walking Pet Insurance Review 2024
July 03, 2024 / Sean LaPointe
Wag! Walking Pet Insurance Review 2024
July 03, 2024 / Sean LaPointe
Coverage for both dogs & cats
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At a Glance

Wag! is an American pet care firm that also offers a free pet insurance comparison tool. It claims to be able to save pet owners up to $273 annually.

Just complete a short questionnaire about your pet, and Wag! will instantly pull quotes from a network of highly rated providers. If you find a plan that interests you, you can customize it and apply for it directly with the provider.

Wag!’s Key figures

Pets covered: Dogs and cats

Annual coverage: From $5,000 to unlimited

Reimbursement: Up to 90%

Deductibles: From $50 to $1,000

Waiting period: Varies by provider

Age limits: Varies by provider

Customer support: Varies by provider but includes phone, email, and online chat.

Pros

  • Free to use
  • Features top-rated and reputable providers
  • Coverage for a wide range of conditions
  • Fast and easy comparison

Cons

  • Doesn’t underwrite its own insurance

The Wag! pet insurance comparison service is completely free of charge, making it accessible to all pet owners. The company works with numerous top-rated providers, such as Paw Protect, Lemonade, and Fetch, to ensure you have a variety of options to fit your pet’s specific needs. The platform is also very easy to use. Just answer a few quick questions about your pet, and Wag! will generate personalized quotes in seconds.

Keep in mind that Wag! doesn't directly sell insurance or manage existing policies. Once you find a plan you like, you'll need to visit the provider’s website to finalize it.

What’s Covered?

Wag! connects you with pet insurance providers offering plans that cover a broad spectrum of medical conditions and procedures. Here's a breakdown of common coverage options.

  • Accidents, e.g., broken bones, cuts, and poisonings
  • Illnesses, e.g., vomiting, diarrhea, urinary tract infections, and cancer
  • Emergency care
  • Diagnostic tests and imaging scans
  • Surgery
  • Prescriptions
  • In-patient stays
  • Hereditary conditions
  • Chronic conditions
  • Alternative therapies, e.g., acupuncture and chiropractic care
  • Dental work
  • Sick-visit exam fees

Note that the availability of the options above depends on the specific plan you choose. Also, while many of Wag! partners allow you to visit any licensed veterinarian, some plans might restrict coverage to in-network providers only. Be sure to check this when comparing plans.

What’s Not Covered?

Most pet insurance providers don’t offer coverage for pre-existing conditions. This means any condition your pet has been diagnosed with before enrolling in a plan typically won't be included. That said, some providers, such as Embrace, offer plans that cover certain pre-existing conditions if they haven't shown symptoms within a specific timeframe (usually a year).

Most providers typically will not cover any elective procedures (including cosmetic surgeries) and breeding-related issues. Preventive care, including routine checkups, vaccinations, and spaying/neutering, is usually also excluded from coverage.

However, some plans may offer optional wellness add-on coverage for these expenses. (Wag! itself provides a separate wellness plan that covers these needs.)

Bear in mind that some plans available via Wag! may have coverage limitations for vet care received outside of your state. Make sure to check the plan for specific details.

Insurance Plans & Pricing

The Wag! comparison platform provides access to different types of insurance, including accident-only, accident and illness, and comprehensive coverage.

How much you’ll pay for your policy depends on several factors, including:

  • Coverage preferences (such as reimbursement rate, annual deductible, and annual coverage limit)
  • The type, gender, breed, and age of your pet
  • Your ZIP code

For example, a quote run conducted on 24 June 2024 on the Wag! website for a male Bearded Collie dog aged 5 years and 3 months and living in Pennsylvania yielded the quotes below.

1. Pets Best:

Annual coverage: $5,000

Annual deductible: $500

Reimbursement: 70%

Monthly premium: $27.72

2. Fetch:

  • Annual coverage: $5,000
  • Annual deductible: $500
  • Reimbursement: 70%
  • Monthly premium: $49.99

3. PawProtect:

  • Annual coverage: $5,000
  • Annual deductible: $500
  • Reimbursement: 70%
  • Monthly premium: $51.77

Keep in mind that the quotes are subject to change and may differ according to your location.

Also, some partner carriers offer discounts if you insure multiple pets or if you bundle your pet insurance with other pet care products or services. Others have discounts for certain users, like active military members and veterans.

Wag!’s comparison tool may not show you all available discounts upfront, so you’ll need to check with each provider.

Reimbursements & Deductibles

Most of Wag!’s partner carriers allow you to customize your reimbursement rate and annual deductible.

The reimbursement rate is the percentage of covered veterinary expenses that the insurance company will pay back to you after you file a claim. Most plans offer rates between 70% and 90%. A higher rate means lower out-of-pocket costs but also a higher monthly premium.

The deductible is the annual amount you'll have to pay upfront for covered vet expenses before the insurance company starts reimbursing you. Wag! offers plans with deductibles ranging from $100 to $1,000. Generally, plans with higher deductibles have lower monthly premiums.

As an example of how it all works, let's say your pet has an accident and needs surgery that costs $2,000. If you have a plan with a 70% reimbursement rate and a $250 deductible, here's how the costs would break down.

  • You would pay the deductible amount of $250 upfront.
  • The insurance company would then reimburse you for 70% of the remaining cost ($2,000 - $250 = $1,750). This translates to $1,225.
  • You would be responsible for the remainder of $525 ($2,000 - $250 - $1,225).

Benefit Limits

With Wag! you can find plans with annual coverage limits ranging from $5,000 to unlimited. Higher limits typically come with higher premiums, but they ensure greater financial protection for unexpected veterinary expenses.

The best approach is to consider your pet’s unique circumstances (like its age or predisposition to certain conditions) and your budget to find a balance that works for you.

Waiting Periods

Most pet insurance plans offered by Wag!’s partner carriers have waiting periods before coverage kicks in. The length of these varies by condition:

  • Accidents: This usually has the shortest waiting period—often around 2-5 days, depending on the provider.
  • Illness coverage: Waiting periods for illnesses can be longer, ranging from 14 days to 30 days, depending on the provider.
  • Orthopedic conditions: Some plans may have a longer wait (up to 6 months or even a year) for orthopedic conditions. However, some providers might reduce this wait with a vet exam.

Check the specific waiting periods for your chosen plan before enrolling to avoid any unpleasant surprises.

Claims and Service

Since Wag! is a comparison tool, your chosen insurance provider will be responsible for claims processing. Luckily, most Wag! partners offer a streamlined process.

Just go to the provider’s online claim portal (almost all have one), and then fill out and submit a claim form along with any required documentation, such as the receipts from your veterinarian. The insurance company will then review your claim to determine if it's covered under your plan. If approved, the carrier will reimburse you for the covered expenses, minus your deductible.

Many of Wag!’s partner carriers are known for excellent customer support. However, available support channels and operating hours vary by provider.

Wag! itself has an AI-powered online chat feature that can provide answers to basic questions about the company’s services. Overall, the Wag! website is quite easy to use and navigate, and getting quotes is very quick.

What Pet Parents Might Like

As a pet owner, you’ll love the user-friendliness of the Wag! comparison tool and the ease of getting quotes from highly-rated providers. This eliminates the need to research every plan or provider individually.

You’ll also enjoy the wide range of discounts available with many of the company’s providers. These include discounts for multiple pets, product bundles, and special users like active military members and veterans.

Something To Consider

Wag! receives compensation when you buy a policy, the amount of which might vary between different providers. This could affect the presentation of offers on the platform.

Contact and Address Information

Phone: 855-732-9513

Email: wagsupport@wagwalking.com

Address: 55 Francisco Street, Suite 360, San Francisco, CA 94133.

To Sum Up

Wag! makes it easy to shop for pet insurance. Whether you’re looking for an accident only, accident and illness, or a comprehensive plan, Wag! can help.

The company’s network includes some of the biggest and most reputable pet insurance carriers in the market. Simply share some basic information about your pet, and Wag! will generate free personalized quotes from these top providers for you to compare.

Company Disclosure

Wag! Compare is an information aggregation portal that presents information regarding pet insurance and pet wellness options to Pet Parents. Wag! Compare is not an insurance company and does not offer, administer, solicit, market, well, underwrite, or any way engage in the business of pet insurance. Wag! has partnered with Petted.com, a trading name of Compare Pet Insurance Services, Inc., to provide information regarding pet insurance options. Petted.com as traded by Compare Pet Insurance Services, Inc., is an independent, third-party business. The insurance comparison service is owned and administered by Compare Pet Insurance Services, Inc. Pet insurance plans are sold and underwritten by independent, third-party insurance providers.

The information you see on the information portal may be different than what you see when you visit a pet insurance provider or specific pet insurance site. All pet insurance products and information are presented without warranty. When evaluating offers, please review the insurance provider’s Terms and Conditions. Wag! and Petted make no representations or warranties about the accuracy or completeness of content available on this webpage or sites linked from this webpage.

Get started now, visit Wag! Walking
By Sean LaPointe
Sean LaPointe is a freelance personal finance writer with a passion for helping readers make informed financial decisions. With over 8 years of personal finance writing experience, Sean has written for a wide variety of top publications, including The Motley Fool and Angi. Sean’s commitment to providing readers with the most up-to-date information means he’s always researching the latest financial products.
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