23 of 24 insurers by customers


Waggel provide Lifetime Pet Insurance with flexible vet fee cover options for accidents, injuries and illnesses up to £15,000 per year. Each time you renew your policy with no break in cover, your claim limits are re-set so long-term conditions continue to be covered. The excess amount you pay towards each claim is variable so you can choose a level of vet fee cover and excess contribution that best suits your budget.

All Lifetime policies include diagnostic tests, vet fees up to your chosen annual limit, up to £1,000 cover for dental issues due to accidents and illnesses, and up to £1,000 cover for complementary and behavioural treatments. Waggel's policies provide Third-Party Liability cover up to £2 million for your dog. All Waggel members are assigned a UK-based vet nurse for additional support with health queries or the claim process.

Customers can claim online and if their vet is part of Waggel's vet network, Waggel can pay the vet directly.

All Waggel customers have access to a unique Membership Platform where they can make use of free veterinary support through video calls, free consultations with an online pet behaviourist and nutritionist, and several discounts from independent pet brands.

Many Waggel customers find their claims process easy to use and their customer service team helpful. 



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Waggel offer Lifetime Pet Insurance for cats and dogs with vet fee cover of between £2,000 and £15,000 per year meaning you can choose the level of cover that suits you best between these amounts. There are lower limits for dental cover for treatment needed as a result of illness or accident of £1,000 (routine treatment such as crowns, scale removal or polishing are not covered), and a lower limit of £1,000 for complementary or behavioural treatments recommended by your vet and treated by a qualified specialist. Bi-lateral conditions (the same condition occurring on both sides of your pet's body) are treated as one condition. Pre-existing or related conditions are not covered by Waggel Pet Insurance. Conditions that develop in the first 14 days after taking out the policy are classed as pre-existing.   
Emergency treatment abroad is covered if you take your pet on holiday with you to a European country that is part of the Pet Travel Scheme. This cover is valid for up to 90 days of travel.
There is cover if it is medically necessary to put your pet to sleep and for the death of your pet. If your pet dies, the cover offered varies depending on your pet's age when they die, the purchase price of your pet and the cause of death.
There is cover offered if your pet is lost or stolen.
There is Third-Party Liability cover for dogs up to £2 million with a £250 compulsory excess.


Excess payments, or the amount you contribute to each claim is flexible and you can select an amount that suits you from zero to £500 excess.


Age Limits

Minimum is 8 weeks and there is no maximum

Waiting Period

You are not covered for the first 14 days after taking out your policy.

Additional Policy Information

Free and unlimited vet video calls with Joii, free consultations with behavioural and nutritional specialist, dental cover for accidents and illnesses as standard.

Can they pay your vet direct?

Yes, if the vet is registered and is happy to be paid directly

Please note

All policies are subject to exclusions and conditions so please always consult the insurer's website and policy documents before you buy. Certain dogs are excluded from cover. All pre-existing conditions are excluded from all policies.

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

Full UK customer service team and all claims are handled by Waggel's Customer Champions - who are all trained vet nurses. Waggel is rated 'Excellent' on Trustpilot.

Waggel is a trading name of Waggel Limited. Waggel Limited is an Appointed Representative of City Insurance Brokers Ltd, authorised and regulated by the Financial Conduct Authority (No 831252). Insurance is provided by Red Sands Insurance Company (Europe) Limited.

Waggel Pet Insurance