Who are Waggels?

Founded in 2018, Waggel is the trading name of Waggel Limited. The company is an appointed representative of City Insurance Brokers Ltd, which is authorized and regulated by the Financial Conduct Authority.

Its policies are underwritten (financially backed) by Red Sands Insurance Company (Europe) Ltd.

Should I consider Waggel?

Waggel offers lifetime insurance policies for cats and dogs. Benefits include cover for hip problems, cancer, accidental dental treatment (annual limit of £1,000), complementary treatments such as hydrotherapy, acupuncture and massage (annual limit of £1,000) and £2 million per year for third party liability (applies to dogs only).

Waggel contacts your veterinarian directly for bills. Like most pet insurers, it does not cover pre-existing medical conditions.

You can choose a policy with annual cover limits ranging from £1,000 to £10,000, which is the maximum you could claim under the policy during the 12 month period.

Fairer Finance — the independent review site that rates companies and their products — doesn’t have a customer experience rating for Waggle, but its policies are rated 3 stars out of a possible 5.

On the public review platform Trustpilot, it scores 4.3 out of 5 stars from 650 reviews. Customers are satisfied with its value for money and the speed of its complaints process. The negative reactions concern premium hikes and rejected claims.

How to contact Waggel

You can contact Waggel online through his contact page. The company also has Twitter, Facebook and instagram accounts.

Find the best pet blanket for you

According to the latest figures from the Association of British Insurers, surgery on a cat’s broken tibia is worth almost £2,000, while treating a dog with diabetes costs over £1,200 on a 18 month period.

Having the right coverage in place means you won’t be left out in the event of a medical emergency with your pet.

There are several types of pet insurance policies:

• Lifetime – the most comprehensive and popular type of policy, it covers treatment costs throughout your pet’s lifetime provided you renew the policy each year. Veterinary costs are covered up to a maximum amount each year. The limit will be “reset” at the annual renewal of your policy. This policy tends to be the most expensive.
• Maximum profit – on this type of policy, you can claim up to a fixed amount for each injury, illness or condition. There is no time limit – you can apply until the financial limit is reached. Once reached, the limit cannot be renewed.
• Limited time – coverage begins from the first onset of the condition for a period of 12 months in general. You may also be limited to a fixed sum for each condition.
• Accident only – Generally, your pet is not covered for illness, only for accidental injury, and you are limited to a fixed amount for treatment costs. There may also be a cover time limit for each condition, from the start of treatment – usually 12 months.

Compare pet insurance

Using an online pet insurance comparison tool such as ours allows you to quote and find the cheapest deals to meet your needs and those of your pet in minutes. seconds.

First, you will need to enter some details such as your address. You will also need to provide details, such as your pet’s breed and age, whether it is spayed or neutered, microchipped and its vaccination status.

Keep in mind that younger, healthier pets are generally cheaper to insure, so it’s a good idea to get your pet covered as soon as possible.

This is also important as many insurance policies do not cover pets with pre-existing conditions and may apply a waiting period of typically 14 days for illness claims and five days for injury claims. , if they do.

In addition to comparing premiums, look for the policy’s “deductible” or “excess”. This is the amount you will have to pay to cover the cost of any claims you make.

Some policies also require you to pay additional amounts on top of any deductible when you make a claim. These are often referred to as “co-payments” and are generally applied as your pet ages and is therefore more prone to disease.

Note that there is often a trade-off between premiums and declared deductible – a higher deductible may result in a lower premium and vice versa. You’ll have to decide which option you prefer, but remember that you can’t avoid paying the deductible if you want the insurer to pay the balance of the claim.

Note that insurers may increase renewal premiums as your pet ages.

Most importantly, compare coverage levels and benefits. For example, some insurers, like Waggel, offer 24/7 veterinary video calls and coverage for medical emergencies abroad.