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
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Review summary
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What people talk about most
Reviews shaping this summary
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
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
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
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
14K reviews
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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.
31 July 2026
Unprompted review
Hood overall
Website was fairly clear and explanatory notes and directions to more information were helpful
30 July 2026
All staff who dealt with my claim was…
All staff who dealt with my claim was very helpful at all times when I contacted them thank you Waggel
31 July 2026
Unprompted review
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.
30 July 2026
Really amazing communication from the…
Really amazing communication from the team and super fast. Cannot recommend enough.
30 July 2026
May use AI-assist with repliesRead more
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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.
23 July 2026
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
New to Waggel.
I found the website informative and easy to navigate. I have tranferred from my previous contract as it was too expensive. I have found the offers of Waggel to be ideal for the coverage I was looking for. I now have my two pets covered for less than I was paying previously just for my dog. Options are good so I was able to choose the best option for my pets and for my finances.
29 July 2026
Thoroughly Recommend
As always. Responsive and very helpful. I only have positive comments about Waggel. Thoroughly recommend this company.
21 July 2026
I am well pleased with the attitude of…
I am well pleased with the attitude of Lauren who was born helpful and patient when I called.
Overall excellent..
29 July 2026
The website was easily navigated and…
The website was easily navigated and insurance was put in place, the direct debit set up and cover began. But then the emails began, numerous emails with various details of reason to deny the claim 🤔 this has really put me off and I have cancelled the direct debit/policy 🤷🏻♀️ I won't pay for a service which has already told me won't pay out...
22 July 2026
Reply from Waggel
Hi Sharon,
Thank you for sharing your feedback. We’re sorry to hear that your experience has left you feeling disappointed.
When a policy is taken out, we send customers information about their cover, including the policy terms, conditions and any important exclusions, so they have a clear understanding of what is and isn’t covered. This information is provided to help customers make informed decisions about their pet’s insurance and does not mean that a claim has automatically been declined.
All claims are assessed individually against the terms of the policy and the information available at the time of the claim.
We appreciate that receiving policy information can be overwhelming, and we’re sorry this has impacted your experience. If you would like us to review the information provided or discuss your concerns further, please contact our Customer Service team on hello@waggel.co.uk and we’ll be happy to help.
Thank you again for taking the time to share your feedback.
The Waggel Team
Waggle are no fuss insurance
Waggle are no fuss insurance offering compassion when I needed it most. Excellent service from them and I woold highly recommend them.
28 July 2026
Easy to understand and the service…
Easy to understand and the service details easy to setup direct debit payments
21 July 2026
Very simple to fill in and get a quote
Very simple to fill in and get a quote. I could clearly see what was included.
Very good value for money.
29 July 2026
Excessive increases
Overall, I have had a positive experience with this pet insurance. I never encountered any major issues when submitting claims, and my reimbursement requests were processed successfully. The claims process was straightforward, and I have generally been satisfied with the service.
However, I am disappointed by the significant increase in renewal premiums. I started my policy three years ago at approximately £50 per month. During the following years, I made only relatively modest claims, so I initially assumed that the substantial premium increases were related to those claims and did not question them.
This year, however, I did not make any claims at all, yet my renewal quote increased from around £130 to approximately £180 per month. Seeing such a large increase despite having no claims has been very disappointing.
One important point for prospective customers is that, once your pet develops a medical condition, changing to another insurer can become difficult because pre-existing conditions are often excluded from new policies. For that reason, I would encourage anyone considering this insurance to think carefully before choosing a provider. While the premiums may seem very competitive at the beginning, they can increase dramatically over time, as my experience has shown.
30 July 2026
Unprompted review
Reply from Waggel
Hi Rana,
Thank you for taking the time to share your feedback. We’re pleased to hear that you’ve had a positive experience with our claims process and that your claims have been handled successfully.
We understand your concerns regarding the increase in your renewal premium. Pet insurance premiums can change over time and are reviewed annually based on a range of factors, including your pet’s age, breed, location, changes in veterinary costs, and the overall cost of claims within the insured population. This means premiums can increase even where an individual policyholder has not made a claim during the previous policy year.
We appreciate your point about changing insurers once a pet has developed a medical condition. We always encourage customers to carefully consider their cover options and policy terms before making a decision, as continuity of cover can be an important consideration for ongoing conditions.
Thank you again for sharing your experience and for being a Waggel customer. We’ll continue to review customer feedback as we work to improve our service.
The Waggel Team
Average Service
Very pleased that my claim came through. Unfortunately it took way longer than expected. Hopefully future claims will be a quicker process!
21 July 2026
Reply from Waggel
Hello Iain,
Thank you for sharing your feedback. We’re pleased to hear that your claim was successfully processed, and we appreciate your patience while it was being reviewed.
We understand that waiting for a claim outcome can be frustrating. Your claim was submitted on 14/07/2026 and processed on 22/07/2026, which was within our usual processing timeframe of up to 14 working days. While we always aim to complete claims as quickly as possible, some claims may require additional checks to ensure they are assessed accurately.
We appreciate your feedback and hope any future claims are handled as smoothly and efficiently as possible.
The Waggel Team
Lovely staff Every member of staff I’ve spoken too…
Every member of staff I’ve spoken too regarding my elderly dogs claim have been very helpful, kind, empathetic & knowledgeable. Well done to the Waggle team 🐶🐾🐾
18 July 2026
It is easy to make a claim and they…
It is easy to make a claim and they dealt with my claim quickly and efficiently.
20 July 2026
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