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
Reasonably priced insurer with efficient claims handling and recommendations.
“reasonably priced and very efficient at managing and paying claims.”
Reviewer rates Waggel very highly and recommends them.
“Really great 10 out of 10.”
Recent claim was handled efficiently and paid on time.
“Claim paid on time.”
Clear explanation of cover and good pricing.
“Good at explaining what you get”
Reviewer strongly dissatisfied and would rate zero if possible.
“I would put 0 if I could”
Efficient, compassionate claims process delivered timely surgery authorisation and payments.
“super helpful, knowledgeable and friendly staff and a smooth and efficient process”
No issues so far; easy start-up but no claims yet.
“So far no issues, but yet to make a claim.”
Information provided by Waggel was clear.
“Clear information”
Website was easy to navigate and choosing cover was simple.
“It was so easy to navigate the website”
Online process made insuring dog easy for this user.
“Easy steps to insure my dog on line”
Excellent service with claim settled and paid within a week.
“Claim settled and paid within a week.”
Claim delayed for weeks with poor follow-up and lost paperwork.
“they don't seem to chase vets up or contact the policy holder without prompting.”
Quick payment and competitive fees; reviewer rates them very good.
“They are very good, quick payour and competitive fees”
Exceptional service with kind staff and proactive vet liaison.
“Amazing to have an insurance company chasing our out of hours vet”
Phone staff helpful but customer had to coordinate claims and vets.
“it was me who had to liaise with Waggel and the vets”
New customer so far satisfied and pleased with rates.
“Only just signed up but so far so good and best rates.”
Prompt clear policy explanation and organised, helpful claims support.
“Very prompt and clear explanation for the insurance policy.”
Reviewer praises efficiency and professionalism.
“Efficiency and professional”
User-friendly insurance with affordable pricing.
“User friendly pet insurance.”
Website easy to use with good pricing; new customer yet to claim.
“Easy to use website and understandable.”
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”
Waggle paid out in full and processed claim within four weeks.
“waggle came to maxs aid and paid out in full”
Two claims denied and communication was unhelpful.
“We have had 2 claims denied unfairly”
First claim still unresolved after six months with missing records.
“6 months and still my first claim not being finalised”
Company repeatedly took direct debits despite issues.
“hopeless kept taking the direct debit”
Reviewer says company avoids paying out claims and is terrible.
“do not pay out for anything”
Claim refused citing 14-day rule and a pre-existing condition.
“they said he had a pre-existing condition”
Claim denied and company made it hard to contact them.
“The email came from a NoReply email so you can't respond to it”
Dental claim denied despite vets' evidence, assessor competence questioned.
“They will take your premium quite happily but will use any excuse not to pay out.”
Claims for swab and medication were declined as pre-existing.
“due to it being classified as a Pre- existing condition”
Claim denied over a historical note, leading to costly uncovered treatments.
“they have an exclusion on my file for ‘spasms’.”
Claim refused for undeclared aggression, policy cancelled.
“They have refused to pay because of this and cancelled his insurance.”
Claim unpaid after five weeks due to difficulties obtaining veterinary history.
“over 5 weeks and they are still not giving me any money back”
An issue was handled well so far by the team.
“they have dealt with really well so far”
Insurer requires repetitive medical histories for ongoing claims, causing bureaucracy.
“they need a medical history for each continuation claim”
Reviewer claims insurer uses vet terminology to deny claims.
“flare up" actually meant a pre existing medical condition”
Claim denied after wording in vet notes, insurer accused of refusal.
“these fraudsters refuse to pay”
Reviewer says company takes premiums but refuses to honour claims.
“take your money then do all they can to refuse your claim”
First claim not paid despite no prior conditions; policy won't be renewed.
“Will not pay out on first claim avoid at all cost.”
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.