Some customers say wellness reimbursements arrive within 24–48 hours. Others describe denied medical claims, long review delays, and a policy not being renewed after a diagnosis. A few reviews mention an unexpected cancellation fee and paying out of pocket. Overall, reviews split between praise for wellness payouts and complaints about how major claims are handled.
Examples from available reviews (Oct 2022 – Mar 2026).
Wellness plan reimbursed quickly; I paid $118 on a ~$400 bill.
“I only ended up paying $118 and got reimbursed in under 48 hours.”
Wagmo denied coverage for Addison's disease despite veterinary documentation.
“they unjustly denied coverage for my pet's treatment for Addison's disease”
Claims took almost three months then were denied, causing frustration.
“it took almost 3 months to have the claims “reviewed”.”
One wellness claim paid quickly, another rejected and cancellation charged $200.
“it would be a $200 cancellation fee”
Several reviews describe quick handling of wellness claims and fast deposits. Others report medical claims that went through long reviews and were ultimately denied. More than one negative review also mentions a policy not being renewed after a diagnosis.
At least one review highlights affordable pricing and broad coverage when combining insurance and wellness. Other reviewers say they paid large amounts out of pocket after claim denials. One complaint points to a sizable cancellation fee charged during claim disputes.
Some users report easy, fast claims with next-day reimbursements. A smaller but vocal group describes drawn-out, frustrating interactions that ended with denied claims. One review alleges staff incompetence and legal issues; that claim appears to be a single extreme outlier.
Across multiple reviews, wellness plans consistently get positive mentions for fast reimbursements. The main source of negative feedback is illness or chronic-condition coverage, with several denials and at least one report of non-renewal after diagnosis. Reviews focus on claim results rather than specific plan features.
Some customers mention clear, quick approvals and timely deposit updates. Others describe reviews stretching over months and sudden outcomes such as denials or non-renewals. Overall, reviews suggest uneven updates on claim status and final decisions.
Ratings show a stark split: high scores tied to wellness reimbursements and low scores tied to denied medical claims. Negative feedback centers on denials, long processing times, and policy non-renewal. Positive feedback centers on fast wellness payouts and smooth handling of smaller claims.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (7) · Collected.reviews (1) · Quotes shortened · As of: March 2026
Wellness plan reimbursed quickly; I paid $118 on a ~$400 bill.
“I only ended up paying $118 and got reimbursed in under 48 hours.”
Wagmo declined to renew policies after puppy's luxating patella diagnosis.
“they decided at the end of this year not to renew our insurance”
Wagmo denied coverage for Addison's disease despite veterinary documentation.
“they unjustly denied coverage for my pet's treatment for Addison's disease”
Claims took almost three months then were denied, causing frustration.
“it took almost 3 months to have the claims “reviewed”.”
Reviewer claims company hires incompetent staff and breaks laws.
“This company is full of hot heads who raised a bunch of daddies money.”
One wellness claim paid quickly, another rejected and cancellation charged $200.
“it would be a $200 cancellation fee”
Wellness claims approved within 24 hours and funds deposited next morning.
“They approved them all within 24 hours.”
I recently purchased pet insurance and a wellness plan from Wagmo, and I must say I am thoroughly impressed with their services. Not only are their plans affordable, but they offer coverage that goes above and beyond what other typical pet insurance companies offer.
The sign-up process was hassle-free, and the customer service representatives were knowledgeable and friendly. They carefully explained all of the different options available to me so that I could make an informed decision about which plan would be best for my furry friend.
What really sets Wagmo apart from other pet insurance providers is their comprehensive approach to health care. In addition to covering unexpected accidents or illnesses, they also offer wellness benefits like annual check-ups, vaccinations, dental cleanings, and even behavioral support.
Overall, my experience with Wagmo has been fantastic! As a devoted pet parent who wants nothing but the best for my four-legged family member '
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarized without changing the content of reviews.
Wagmo offers pet insurance and preventive wellness plans for dogs and cats. Its policies separate wellness benefits from accident and illness coverage. Customers send in vet invoices to request reimbursement under their plan. Wagmo reviews eligible claims and reimburses pet owners for approved expenses.