Waggel Reviews 

14,405
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 3,791 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, kind, and knowledgeable when dealing with policy questions. Consumers find the overall service remarkably efficient, noting that setting up new coverage and managing policies is extremely smooth and hassle-free. However, some customers also noted frustrations regarding unexpected price increases over time or suddenly higher monthly costs. A few reviewers expressed dissatisfaction because certain claims were turned down or experienced lengthy delays during the approval stage. People mentioned feeling stressed when trying to navigate pre-existing condition exclusions and complex reimbursement requirements.

What people talk about most

Claim

Consumers find claim experiences to be mixed, as opinions vary significantly regarding the processing times... See more

Service

Reviewers highlight positive aspects of service, noting prompt pre-authorisations and quick claims processing... See more

Customer service

Customers consistently note positive experiences with customer service, praising the team for great... See more

Price

Users describe ambiguous interactions with price, often highlighting great initial value alongside steep... See more

Payment

Customers had ambiguous experiences with payment. While some reviewers report speedy service, prompt... See more

Reviews shaping this summary

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 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

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

We had to make a claim for our dog Olly they walked us through everything nothing too much trouble lovely people to talk to as you would expect will renew next year thank you all so much


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

(14,405)

3,607 reviews in the last 12 months

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Rated 5 out of 5 stars

My new policy…

It was a straight forward website and I decided to use Waggle for my dog

1 August 2026
Waggel logo

Reply from Waggel

Hi Janice,

Thank you for choosing Waggel for your dog - we're so happy to hear you found our website was straightforward.

Thank you for your great review!

Lydia

Rated 5 out of 5 stars

Dog insurance

Waggle are great they accepted me straight away I give them my details about me and my dog ,and I was excepted no hassle!

1 August 2026
Waggel logo

Reply from Waggel

Hi Marion,

We're so pleased to hear that joining us was a smooth and hassle-free experience for you and your dog.

We're really grateful for your review, it means a lot to us.

Thank you again,

Lydia

Rated 5 out of 5 stars

So easy to put a claim in

So easy to put a claim in. I paid vets upfront and then Waggel paid me.

31 July 2026
Waggel logo

Reply from Waggel

Hi there,

Thank you for your great review!

We are so pleased to hear that you found the claims process easy!

Thank you again,

Lydia

Rated 4 out of 5 stars

A large claim was dealt with hassle free

We had to put a large claim in for our dog recently and our vets policy is that we have to pay for treatment up front. I was worried that Waggle would refuse the claim and this caused me a great deal of anxiety. However I was very happy when I received an email to say the claim had been fully approved. This happened within 2 weeks and all correspondence was between the vet and Waggle and I did not receive any phone calls from Waggle questioning my decisions, however I do advise that you obtain all the medical notes and invoices from your vet in case you need to provide any information. I was pleased that such a large claim was dealt with quickly and professionally.

When taking out the insurance I do like the option that the insurance policy can be reduced in cost if you sign up for a online triage vet service. I used this triage service when our dog became unwell and I found it incredibly useful because she confirmed that we needed to take our dog to the vet immediately.

31 July 2026
Rated 5 out of 5 stars

Failed pre-approval.

They turned the claim down, but did so very clearly so we could understand exactly why they did so (it was because the condition had been mentioned by our vet before we took the policy out). They gave us all the information they had received from our vet, all of which was accurate but much of which we hadn’t been told, to explain why they weren’t willing to to pre-approve the claim.

31 July 2026
Rated 4 out of 5 stars

have made my first claim for my 15…

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 that initial claim to be processed and approved . I have however no complains with the processing of subsequent claims for the follow up treatment my cat now requires

31 July 2026
Rated 4 out of 5 stars

Good intentions- clunky platform

The platform is relatively user friendly, while one frustration is the need each time to answer a series of questions for which you should simply store the answers.

In also find it mind boggling that following each claim, I need to also answer whether my dog died. I’ve just claimed for meds, and so how would that work.

So the approach and intention toward easy claim and rapid settlement is positive, while the execution remains clunky.

28 July 2026
Rated 2 out of 5 stars

Claim waiting time.

Waggle were waiting for information from emergency vet I had to use, and did not chase them up. It was left for me to do, when I asked for an update on my claim.i sent all of the requested information to them then they decided that the wanted my dog medical history from birth. It is just one obstacle after another.

31 July 2026
Waggel logo

Reply from Waggel

Dear Michael,

Thank you for sharing your feedback, and we're sorry to hear about your experience.

We understand how frustrating it can be when you're waiting for a claim decision, especially after an emergency visit. We can confirm that we did contact your emergency veterinary practice to request the information needed to assess your claim. Unfortunately, if we don't receive the records we need, we may also ask policyholders to help obtain them, as this can sometimes speed up the process.

We're sorry for the inconvenience this caused and appreciate that it may have felt like there were multiple requests. In some cases, we also need a pet's full clinical history to ensure we can assess the claim accurately and fairly in line with the policy terms.

Thank you for your patience and we appreciate you taking the time to leave your feedback.

The Waggel Team

Rated 1 out of 5 stars

Policy fees increase 45%

We are currently paying £33.78 per month for our 7‑year‑old British Shorthair Blue cat, with £4,000 cover and £0 excess. After 12 months with zero claims, the premium has jumped to £49.27 per month.

The only explanation given is that our cat has turned eight years old — a 45% increase with no supporting figures or justification. It feels as though the company’s internal policy is simply to push older pets out through excessive pricing.

So much for rewarding customer loyalty. Goodbye, Waggel — don’t let the door hit you on the way out.

1 August 2026
Unprompted review
Waggel logo

Reply from Waggel

Dear Michael,

Thank you for taking the time to share your feedback. We're really sorry to hear how disappointed you are with your renewal, especially after a claim-free year.

We understand that a significant increase can be frustrating. While a pet's age is one of several factors that can influence the cost of insurance at renewal, it's not the only one. Renewals also take into account wider changes in veterinary treatment costs and other factors that affect the overall cost of providing cover.

We appreciate that this doesn't make the increase any less disappointing, and we're sorry that we've left you feeling that your loyalty hasn't been recognised.

If you're open to it, we'd really like the opportunity to review your renewal with you and explain the factors that have contributed to your premium. Please get in touch with our Customer Care team at hello@waggel.co.uk, and we'll be happy to take a closer look.

Thank you again for your feedback, and we wish you and your pet all the very best.

The Waggel Team

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.

31 July 2026

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