Customers often praise Waggel’s simple online sign-up and clear website. Many reviewers describe quick, caring claim handling and helpful phone support. A substantial group report long claim delays, denials linked to pre-existing conditions, and repeated requests for veterinary records. Several accounts also mention sudden premium rises and unwanted direct debit activity.
Examples from available reviews (Dec 2021 – Feb 2026).
Easy to set up with clear plain-speaking information.
“Amazingly simple to set up”
Claim paid in full; staff were caring and sympathetic during bereavement.
“Waggel paid my claim in full without difficulty.”
Claim for tumour surgery denied as a pre-existing condition.
“Waggel won't pay out £1400 for the removal because of a pre-existing condition”
Premium increased 37% despite no claims, so auto-renew turned off.
“increased my premium by 37% compared to last year.”
Many reviews describe quick payments and fast approval when vet information was complete. A large cluster also reports long processing times, missing paperwork, and claims turned down as pre-existing. Some customers mention unexpected extra excess charges on claims that were paid or declined.
Many reviewers point to competitive prices and quick payouts as reasons they see Waggel as good value. Several others describe sudden premium increases and direct debits continuing despite unresolved issues. A handful of new customers say rates look good so far, but they have not made a claim yet.
Reviewers repeatedly praise the easy-to-use website and straightforward policy setup. Several accounts mention fast policy issue and clear cover options during purchase. A minority say they had to closely coordinate between Waggel and their vet while a claim was being handled.
When cover is accepted, reviewers say claims were paid in full and surgery approvals came through on time. Many other reviews describe exclusions applied because of older notes or pre-existing labels. A number of customers mention repeated requests for medical history on ongoing claims.
Multiple reviews highlight helpful UK-based phone staff and clear explanations of the policy. Other accounts mention rude interactions, NoReply emails that prevent replies, and vague updates during lengthy claims. Several reviewers say Waggel did not chase vets or follow up unless prompted.
Reviews show a clear split: many customers recommend Waggel after smooth claims and supportive service. A sizable group report strong dissatisfaction over claim denials, long waits, or billing problems and say they will not renew. Several reviewers describe major emotional or financial strain linked to unresolved claims.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (60) · Reviews (20) · Reviews (1) · Quotes shortened · As of: February 2026
Very easy arrangement and quick policy issuance with good price.
“I recieved my boys policy within minutes”
Very easy arrangement and quick policy issuance with good price.
“I recieved my boys policy within minutes”
Reviewer unhappy with slow, complicated claims process and disappointment.
“Claims take so long and the process of making claims is complicated.”
Reviewer unhappy with slow, complicated claims process and disappointment.
“Claims take so long and the process of making claims is complicated.”
Long wait for claim, poor communication and claim refused due to policy small print.
“So long wait times, poor communication and small print to prevent my claim being paid”
Long wait for claim, poor communication and claim refused due to policy small print.
“So long wait times, poor communication and small print to prevent my claim being paid”
Claims paid quickly when information provided; compassionate handwritten card sent.
“always payed the vets quick when they had the all the information”
Claims paid quickly when information provided; compassionate handwritten card sent.
“always payed the vets quick when they had the all the information”
Claim processing delays and unexpected extra excess caused distress and anger.
“declined to pay it saying I need to pay another 200 excess”
Claim processing delays and unexpected extra excess caused distress and anger.
“declined to pay it saying I need to pay another 200 excess”
Premium increased 37% despite no claims, so auto-renew turned off.
“increased my premium by 37% compared to last year.”
Premium increased 37% despite no claims, so auto-renew turned off.
“increased my premium by 37% compared to last year.”
Helpful UK-based claims staff provided sympathetic, reassuring claims support.
“Being able to speak to a real person and not deal with a faceless bot”
Helpful UK-based claims staff provided sympathetic, reassuring claims support.
“Being able to speak to a real person and not deal with a faceless bot”
Claims process was fast, quick and very easy.
“Fast quick and very easy to claim”
Claims process was fast, quick and very easy.
“Fast quick and very easy to claim”
Claim paid in full; staff were caring and sympathetic during bereavement.
“Waggel paid my claim in full without difficulty.”
Claim paid in full; staff were caring and sympathetic during bereavement.
“Waggel paid my claim in full without difficulty.”
Consistently excellent customer service, easy interface, and compassionate care.
“customer service second to none”
Consistently excellent customer service, easy interface, and compassionate care.
“customer service second to none”
Quick response and very helpful support.
“quick response very helpful”
Company responded quickly and was very helpful.
“quick response very helpful”
Claim sat unprocessed for weeks despite triage authorisation, causing frustration.
“vague messages about higher than usual claims meaning that my claim has been sitting unprocessed for weeks.”
Claim sat unprocessed for weeks with no timeline updates.
“my claim has been sitting unprocessed for weeks.”
Claim dismissed as pre-existing after long delays, causing financial hardship.
“dismissed my claim on the grounds of a “pre-existing condition.””
Claim delayed for months then denied as a pre-existing condition.
“dismissed my claim on the grounds of a “pre-existing condition.””
Supportive, caring service that explained matters clearly.
“absolutely 💯 brilliant”
Company was caring and supportive during dog's care.
“Waggle insurance was absolutely 💯 brilliant”
Simple, jargon-free setup with clear cover choices and excellent price.
“Amazingly simple to set up”
Easy to set up with clear plain-speaking information.
“Amazingly simple to set up”
Website made tailoring policy to needs easy.
“Easy to use website made it easy to tailor my policy to my needs.”
Website made tailoring policy to needs easy.
“Easy to use website made it easy to tailor my policy to my needs.”
Site and policy content clear with no apparent hidden small print.
“Doesn't appear to be any hidden small print catch outs.”
Site and policy information were clear and easy to understand.
“Easy to navigate site.”
Staff went out of their way to help; reviewer will recommend Waggel.
“Whoever I spoke to went out her way to help my questions”
Customer service went out of their way to help.
“Whoever I spoke to went out her way to help my questions”
Reviewer describes Waggel's service as first class.
“First class service”
Service was described as first class.
“First class service”
Competitive pricing and excellent customer support via comparison site.
“Competitive prices via compare website”
Competitive pricing and excellent customer support noted.
“Competitive prices via compare website”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
Waggel is a UK pet insurer offering policies for dogs and cats. It sells and renews cover through an online platform and a customer contact centre. Policy documents explain excesses, exclusions, and how to make a claim. Customers can use phone or email to manage their cover and request claim payments.