Waggel Reviews 

14,175
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 3,882 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the excellent service, often describing it as helpful, kind, and responsive. The customer service team is frequently highlighted for being caring, understanding, and providing prompt assistance. Many people report a quick, easy, and stress-free claims process, with payments often settled promptly and directly to the vets. However, some customers also noted challenges with the claims process, including significant delays in payment and difficulties with pre-existing conditions or pre-authorizations. A few other people also felt that annual premium increases were substantial, making the insurance less affordable over time.

What people talk about most

Claim

Consumers find the claim process to be ambiguous, with many reviewers reporting straightforward and quick... See more

Service

People report positive experiences with service, often highlighting the great value and ease of obtaining pet... See more

Customer service

Users describe positive interactions with customer service, highlighting the genuine compassion and... See more

Price

Reviewers highlight ambiguous aspects of price, with many initially finding the cost reasonable and... See more

Payment

Clients share ambiguous opinions on payment, with many reviewers reporting quick and easy claim processes and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Switched to Waggle just over a year ago as our original provider had raised their premium and excess amounts to unaffordable levels. Unfortunately 9 days after his eleventh birthday our Morkie after a... See more

Rated 5 out of 5 stars

I am very impressed with Waggel, my claims was dealt with very quickly and kept me informed at all times if there was any delays. My pet has now passed, I received a lovely condolences letter, and a f... See more

Rated 5 out of 5 stars

Waggel have been great so far. I opted for the triage version so I speak to an online vet for free before taking my cat to a vet. I've recently unfortunately had to claim on the insurance and it was a... See more

Rated 5 out of 5 stars

Hi, my 3yr old Old English Sheepdog had a benign tumour removed from her ear. I got an estimate for the cost from my vet and made a claim to Waggle. After me paying the excess to my vet Waggle took... See more


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

(14,175)

3,762 reviews in the last 12 months

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Rated 3 out of 5 stars

Just joined Waggel

Unfortunately there is a two week gap where my dog is not covered. 2or 3 days would be more appropriate.
There is no option to make a one off payment for the year.
Difficult to review after only one day.

July 22, 2026
Rated 5 out of 5 stars

YOU NEVER KNOW....

As I am a freelance I was concerned about the annual increases in insurance premiums, but I am now so glad that I am with Waggel as you never know what is around the corner. An annual blood test has just in the last few days revealed that our dog has liver cancer and Waggel have immediately stepped in to help with diagnosis and treatment. No fuss, clear communication and correspondence with our vet. We are SO grateful and now understand why annual increases are important to accept even when you feel you are in a position of 'no claims'. Thank you Waggel.

July 9, 2026
Rated 1 out of 5 stars

Ripping off existing customers!

We are currently paying £33 per month for our 7 year old greyhound for £5000 cover with a £350 excess…12 months later and zero claims and it’s risen to £49 per month! Factor in this is now an 8 year old dog, meaning £350 excess and 20% claimant contribution towards any claim. Same policy still available on confused.com for new customers at £28 per month with a £45 Amazon gift card! Talk about rewarding customer loyalty - goodbye Waggel, don’t let the door hit your bottom on the way out!

July 23, 2026
Unprompted review
Waggel logo

Reply from Waggel

Hi Sam,

Thank you for sharing your feedback. We understand your frustration regarding the change in your renewal premium.

Renewal prices are reviewed each year and can change based on a number of factors, including your pet’s age, breed, location, veterinary cost inflation, and changes in the wider cost of providing cover. These factors apply at renewal regardless of whether a claim has been made.

Prices offered to new customers through comparison sites can differ from renewal pricing, as these are based on current market rates and available promotions at the time.

We appreciate your comments regarding the changes to your policy excess and contribution, and we’ll ensure this feedback is shared with the relevant teams.

Waggel Team

Rated 5 out of 5 stars

This company is efficient and quick to…

This company is efficient and quick to deal with claims, they do all the hard work dealing the the vets, just had to fill a few questions and thats it, unfortunately our dear Bailey cat, lost his battle with ill health, and they have just paid the final vet bill, and a card arrived with their condolences, not many would do that.

July 15, 2026
Unprompted review
Rated 5 out of 5 stars

Claiming insurance

This is the first time I’ve had to claim for my 5 year old dog who had tumours removed from his eyes. He then took a reaction to the pain medication resulting in out of hours appointment. Contacted Waggle and the whole process was stress free and I can’t thank them enough 🥰

July 22, 2026
Unprompted review
Rated 4 out of 5 stars

Need to give payment options

I’ve chosen Waggel…however they don’t take one annual payment which I prefer, just monthly.
Also I cannot get on to their “Biscuit” site which is supposed to help if my dog needs assistance, which is not filling me with optimism…

July 13, 2026
Rated 5 out of 5 stars

I genuinely can’t express how wonderful…

I genuinely can’t express how wonderful the Waggel Team are. I’ve been with them for about 6 years now and thankfully up until now have never had to claim. So when it finally came to claim for my doggos spinal surgery, it was my first time dealing with the team. They are all so lovely. Easy to get to on the phone or via online chat, super lovely, and they are helpful. Processing my claim was also super easy and the T’s and C’s are kept simple and easy to read.

I think it’s a great company and would highly recommend to anyone looking for pet insurance.

July 22, 2026
Unprompted review
Rated 1 out of 5 stars

Awful experience was advised by Joii to…

Awful experience was advised by Joii to seek vet advice so did. On the claim mentioned this but no money back from Waggel not even a mention of the fact I was told to see a vet. Do the right thing as we all would with our pets and get punished :( 23/7 edit:- so basically "anything we can do to avoid paying you out we will" thanks for nothing dispute opened expecting to be refused any money back again :( :(

July 3, 2026
Unprompted review
Waggel logo

Reply from Waggel

Hi,

Thank you for sharing your feedback. We’re sorry to hear you were unhappy with the outcome of your claim.

Joii is a separate service that provides veterinary guidance and support, and any advice to seek further veterinary attention is based on your pet’s symptoms at the time. However, this does not automatically mean that any resulting veterinary treatment will be covered under your insurance policy. Claims are assessed against the terms, conditions, and exclusions of the policy, including whether the treatment relates to a covered condition.

If you believe the claim outcome did not take all relevant information into account, please contact us on hello@waggel.co.uk and we can review the details again.

Waggel Team

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