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
I was looking for pet insurance that can meet my exact requirements. I also wanted to find a company which truly cares about the animals and their owners. After checking several providers on the internet I finally decided to go with Waggel. So I went to Waggel pet insurance to get a quote, since I'm retiring after the New Year, and I didn't like the impolite treatment at all. The woman opened my dog's file right in front of my eyes and calculated how much money he owed Waggel. Also, there's no way to get information regarding anything on the website since you can't call them unless you have a quote number.
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.