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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company's helpfulness and straightforward approach, particularly when dealing with claims. Consumers appreciate the speed, friendliness, and reliability of the service, highlighting the ease of submitting claims and the promptness of reimbursements. People also value the compassionate and empathetic support received during difficult times, such as the loss of a pet. The user-friendly website, competitive pricing, and clear communication are frequently mentioned as positive aspects of the company. Reviewers also appreciate the ability to manage their policies efficiently and the direct communication between the company and veterinary professionals. Many customers express confidence in the company's support and recommend it to others seeking pet insurance.

Based on these reviews

Rated 5 out of 5 stars
Verified

Waggel have been excellent in helping me to support my pet’s health in his later years. The chat function works well, I always get a response in a reasonable time and am notified via email so I don’t... See more

Rated 5 out of 5 stars

Very sympathetic and caring. Extremely supportive during this very difficult and sad time. If I am lucky enough to be able to have another little girl like Mini. I shall choose to use Waggle Insurance... See more

Rated 5 out of 5 stars

Thankyou so much waggel! You made the awful grief of losing our beautiful Betsy a little less stressful. She died suddenly and it was an awful shock. Waggel, thankfully, took over dealing with the vet... See more

Rated 5 out of 5 stars
Verified

Very impressed with the quote and quality of the policy. We have rehomed a rescue dog and I loved the fact that it gives you different options for the pets age if you are unsure about its date of birt... See more

Rated 3 out of 5 stars

The process, reputation and record of an insurer's claims service should be given the highest priority and scrutiny when we choose our cover. That is, after all, why we take out insurance. Too ofte... See more

Company replied

Rated 5 out of 5 stars
Verified

Brilliant! I've had to make 2 claims since taking out my policy and both times they accepted the claim and made the payment really quicky. Customer service team is super friendly and helpful. I would... See more

Rated 5 out of 5 stars
Verified

Waggle have the process for making a claim - in a time when you are perhaps struggling to come to terms with having to face making a claim for your pet. Look no further than Waggle - log the claim ans... See more

Rated 5 out of 5 stars
Verified

Waggle kept us informed of everything they were doing throughout our claim . They handled our claim very professionally and we would recommend them to anyone looking for pet insurance.

Rated 5 out of 5 stars
Verified

I’ve had several different pet insurance companies over the years but Waggel has been the best. Sadly my dog passed away during her treatment. Waggel covered all the bills including specialist care.... See more

Rated 5 out of 5 stars
Verified

Not cheap per se, but we have lifetime insurance for our dog and they have never denied a claim. We continue to be happy with them, and submitting a claim is super easy / very straightforward and they... See more

Rated 5 out of 5 stars
Verified

I have just become a customer for my two little dogs and I was impressed by the way that they could be registered with you. It was all so easy and efficient. What I especially like is the fact that... See more

Rated 3 out of 5 stars

Previous dog insured with Waggel, declined to support claim for removal of lumps, declined payment for cremation. Now won’t insure current dog as we’re training to be a therapy dog. Asked for auto ren... See more

Company replied

Rated 5 out of 5 stars
Verified

We recently switched to Waggel as our previous insurance was getting expensive despite no claims on it. It was about half the price for the same annual limit and then a few months after our switch our... See more

Rated 5 out of 5 stars
Verified

After a lot of to-ing and fro-ing regarding my dog being treated in Southern Ireland by the only specialist of his type, we live in the North. Waggel said they would cover treatment. After submission... See more

Rated 5 out of 5 stars
Verified

Excellent website. Very clear and easy to understand what insurance is needed for your pet. Amazing value and now confident that Waggel will help and support when in need. Thank you and happy days.

Rated 5 out of 5 stars
Verified

The three dogs love the food. The notification with the delivery time was perfect. The fact I can adjust the number of items depending on how much they have eaten is excellent. Now the hot weat... See more

Rated 5 out of 5 stars
Verified

Very competitive price given that Rona is an old dog. Registering on line was straight forward even for me who is not very computer savvy. Very pleased with the whole process.

Rated 5 out of 5 stars
Verified

Searching for pet insurance isn't easy, hoewever I found Waggel to be brilliant and easy to use, plus the documents are also very easy to read. Would highly recommend

Rated 5 out of 5 stars
Verified

Really pleased with the service I have been getting with waggle from the start. Really helpful and understanding about My beautiful Barney labrador who has elbow dispaxia. He had an operatio... See more

Rated 5 out of 5 stars
Verified

I’d never heard of Waggel but can honestly say I had a flawless experience with this company. The website is super user friendly, claims accepted and paid efficiently and communication excellent via e... See more

Rated 5 out of 5 stars
Verified

Always fast, friendly and reliable. My 3 year old cat has a longterm autoimmune disorder which she developed at around 8 months, needing frequent (and very expensive) vet investigations, prescriptions... See more

Rated 5 out of 5 stars
Verified

First class service! Prompt, caring and empathetic. My lovely Labrador Alfie had to be put to sleep recently on discovery of an aggressive tumour. Waggel dealt with the claim quickly and without fuss.... See more

Rated 4 out of 5 stars
Verified

Purchasing the policy was straightforward, right amount of cover and a good price. The only negative was that I couldn’t pay for the year outright. I prefer to pay my insurance annually and not be ha... See more

Rated 5 out of 5 stars

Consistency, lovely to deal with , helpful , empathetic, personal, fair. Soo grateful to them & happy i made the choice to insure my 3 beloved 🐕 🐶 🐕‍🦺💗 with Waggle 🤍 claims are easy and quickl... See more

Rated 5 out of 5 stars
Verified

I have been with Waggle for over 3 years now. I have an elderly dog (16) who has required quite a lot of treatment recently. Waggle have been super. The website is really easy to use and it's very eas... See more

Rated 5 out of 5 stars
Verified

All good so far. Proof of the pudding is in the claim process. I hope never to put this to the test. Premium was very competitive for a 9 year old dog and no co-pay. It’s usually the renewal premium t... See more

Rated 5 out of 5 stars
Verified

The ease of claiming for our dog after an op and xray was very smooth. They're like no other company Ive ever dealt with in the 35 years of having dogs. They're also always available to talk to. Like... See more

Rated 5 out of 5 stars

Every time I have had to claim for either of my dogs, Waggel have been exceptional. There has never been a problem in settling a bill with the vet. The team at Waggel are always polite, professional... See more

Rated 5 out of 5 stars
Verified

Waggle have been great for the many years we have had our policy with them. It’s easy to claim, communication is straight forward and clear. I have found them to be fair with all claims I have put for... See more

Rated 3 out of 5 stars
Verified

If you log in the print comes up so tiny you can hardly see it. Only info is through the website so needs to be clearer. What's the phone number for triage. This should be displayed clearly. I have ve... See more

Company replied

Rated 5 out of 5 stars

Waggle has to the best insurance we company we have ever used. Responsive kind, compassionate. Website easy to use, easy to claim, quick repayments. If I my all insurance companies were like waggel!!... See more

Rated 3 out of 5 stars
Verified

Waggle need you to triage before going to your vet If you don’t do this you have to pay an extra £50 on top of your excess When you’ve done the triage (which is next to useless with a vet) they t... See more

Company replied

Rated 5 out of 5 stars

I was very impressed with the compassion shown by the phone operator when I phoned on Saturday about my claim. The claim was dealt with very quickly and efficiently without any fuss.

Rated 5 out of 5 stars
Verified

Excellent value, my partner was amazed, she couldn't believe the cost for the insurance on both our dogs. The cover for both dogs is brilliant.

Rated 5 out of 5 stars
Verified

Im an older person so in the end I had to contact customer services to walk me through the application WHICH SHE VERY KINDLY & SLOWLY DID, WE GOT TO THE END WITHE 🙌 ✅️ ✔️ 👍

Rated 5 out of 5 stars
Verified

Waggel have been very understanding with the treatment needed for our lovely dog. The whole process has been quick and efficient. Thank you.

Rated 5 out of 5 stars
Verified

Easy to fill the firm in,and very helpful when contacting putting me in touch with right person as soon as available.

Rated 5 out of 5 stars
Verified

Advisor was very polite and helpful and dealt with my problem with no issues which was a big help to me

Rated 5 out of 5 stars

Very easy insurance company to work with , company engages directly with the vet , triage call before a vet visit

Rated 5 out of 5 stars
Verified

Super easy to use online service. Claim paid efficiently. Great pricing. And the triage service is ideal.

Rated 5 out of 5 stars
Verified

Easy to use website and good value cover available. Can highly recommend

Rated 5 out of 5 stars
Verified

Really easy to use hot 2 dogs insurances really good price too would recommend it

Rated 5 out of 5 stars
Verified

We had a second claim which followed on from the already paid out surgery claim. Waggel were quick to pay it out with no problem at all. I would just like to thank Waggel for all their help.

Rated 5 out of 5 stars
Verified

You responded quickly and successfully to my need for revised pet insurance. Thanks

Rated 5 out of 5 stars
Verified

Brilliant company. Extremely easy to speak to. Very helpful. Ease with claims. Very speedy payments.

Rated 5 out of 5 stars

Thank you for being so sympathetic in this sad time for our family we appreciate your support

Rated 5 out of 5 stars

My 10yo Tedd has always been healthy untill he got pancreatitis. Emergency Bloods and scan showed he had Cushings. Waggel was very helpful and it was handy I could speak to somebody over the phone as... See more

Rated 5 out of 5 stars
Verified

Easy website to navigate, competitive pricing, very clear on what is expected from the policy holder..Thankfully haven't made a claim yet so time will..Overall happy.

Rated 5 out of 5 stars

From notification of my pets illness I was notified and communicated with the staff, who have always been polite and helpful. Important when you have worries about your pet.

Rated 5 out of 5 stars
Verified

Easy to submit a claim. Quick payment and can easily add onto and existing claim if more treatment needed without having repay excess. Great communication with easy to use chat.

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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

4.6

Excellent

TrustScore 4.5 out of 5

11K reviews

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Replied to 98% of negative reviews

Typically replies within 24 hours


Rated 1 out of 5 stars

Very disappointed service

I am extremely disappointed with Waggel. I submitted a claim for my dog, Greta, for a herniated disc (discovered on 18 August, after visits to two different vets and undergoing X-rays, etc.), only for it to be declined on the basis of a “pre-existing condition,” even though there were no symptoms before the policy started and the formal diagnosis came weeks later.

The claim process felt confusing and inflexible. Despite following the policy terms (including using the Waggel/Joii triage service as required) I was denied coverage. Communication was slow, and explanations were vague, with little regard for the veterinary evidence provided. For example, today they asked me to confirm the day I noticed the first symptoms; it was in June, but I cannot remember the exact day. However, I took Greta to the vet on 19 June, and the report clearly states that the symptoms started “a few days ago.”, so why do they not stick to what was recorded at that time?

Overall, I expected reliable coverage and clear support, but my experience has been frustrating and stressful. I cannot recommend Waggel based on this experience.

October 14, 2025
Unprompted review
Rated 5 out of 5 stars

Waggel have paid my claim in full so I…

Waggel have paid my claim in full so I am very happy about that. There was a slight delay because the vets had emailed the bill rather than clicking on a link sent by Waggel. I found the best way to communicate was by phoning Waggel- that ironed out the hiccups and speeded things up. The Waggel team were always friendly and helpful.

September 19, 2025
Unprompted review
Rated 1 out of 5 stars

1 Star Review – Avoid Waggel Like the Plague

We’ve been with Waggel for a year and even upgraded our policy last month.

Today, when our dog needed urgent help, I discovered just how useless this company really is.

Waggel won’t let you go directly to your vet - instead, you’re forced to go through their partner app, Joii, first. If you don’t, they threaten to fine you £50 for daring to get your pet real medical care without their permission.

So I did what they required: set up a brand-new account with Joii (a name that couldn’t be less appropriate - there was absolutely nothing joyous about the experience). After waiting 20 minutes online, finally got through to someone who kept me hanging another 9 minutes, and then they cut me off mid-consult - four minutes in, well before their supposed five-minute cut-off time.

To compound the situation, they lied and claimed I ended the chat myself. Minutes later, I received a pointless email about the dogs “treatment plan” from a vet who never actually helped.

We’ve cancelled the Waggel policy immediately. I refuse to pay for a service that lies, delays, and fines you for trying to care for your own pet.

If you love your animal and want genuine support when it matters, stay far away from Waggel and Joii.

These two combined are the definition of bureaucracy over compassion, money over service and pure frustration.

October 13, 2025
Unprompted review
Rated 4 out of 5 stars

I Waggel such lovely advisors n so…

I Waggel such lovely advisors n so helpful .this my second year with them . However Waggel emailed to say as they have a high level of claims they are not able to be so prompt . Which I was surprised as submitted claims in previous with no delay . Although they have taken my contribution out direct debit . Hence 4 stars

October 10, 2025
Unprompted review

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