How Does waggel.co.uk Work?

Waggel.co.uk operates on a streamlined model designed to simplify the often-complex world of pet insurance. Their process is structured around clear policy offerings, accessible support, and an efficient digital claims system, all aimed at reducing stress for pet owners. It fundamentally functions as a typical insurance provider, where premiums are paid in exchange for coverage against specified risks, but with added layers of service and convenience.

The Quote and Policy Enrolment Process

Getting started with Waggel is designed to be quick and straightforward, initiating the process with an instant online quote and leading to a comprehensive lifetime policy. This initial phase focuses on tailoring the coverage to the pet owner’s needs and budget.

• Instant Online Quote: The first step involves filling out basic information about your pet (breed, age, pre-existing conditions, etc.) to receive an immediate quote. This removes the need for phone calls or lengthy application forms.
• Policy Customisation: Based on the quote, users can adjust their annual limit (up to £15,000) and excess (claim contribution) to suit their budget and desired level of coverage. This flexibility allows for personalisation.
• Lifetime Policy Only: Waggel exclusively offers lifetime policies. This means once insured, as long as the policy is renewed annually, the pet remains covered for conditions throughout its life, with the annual limit replenishing each year. This provides continuous protection for chronic illnesses.
• Review Policy Wording: Before finalising, users are encouraged to view the full policy wording. This document outlines exactly what is covered, what isn’t, and all terms and conditions, ensuring transparency.
• Warm-up Period: Upon policy activation, there’s a 14-day warm-up period. During this time, treatments are not covered, which is standard practice in the insurance industry to prevent immediate claims for pre-existing or imminent conditions.

Making a Claim and Reimbursement

The claims process is a critical component of any insurance service. Waggel aims to make this as seamless and stress-free as possible through its digital platform and personalised support. Their focus on direct vet payments and real-time tracking is a significant advantage.

• Digital Claim Submission: Claims can be initiated online in seconds through the Waggel membership platform. This eliminates paper forms and postal delays, speeding up the process.
• Assigned Customer Champion: Upon becoming a member, each policyholder is assigned a dedicated Customer Champion. This champion, a qualified UK-based vet nurse, provides support and guidance throughout the claim process, from initial query to resolution.
• Claim Tracking: Users can track the status of their claim online in real-time, providing transparency and reducing uncertainty about when a decision will be made or payment issued.
• Direct Vet Payments: Waggel states they pay the vet directly. This means the pet owner doesn’t need to pay the full bill upfront and wait for reimbursement, which can be a huge financial relief, especially for expensive treatments.
• Extensive Network: Claims can be made at any UK-registered vet practice. As long as the vet is registered with the Royal College of Veterinary Surgeons (RCVS), Waggel will work with them.

Utilising Additional Member Benefits

Beyond the core insurance coverage, Waggel integrates several value-added services and partnerships designed to enhance the overall pet ownership experience. These benefits are accessible through the membership platform.

• Free Vet Video Calls (Joii): Members get unlimited 24/7 access to qualified UK-based vets via video calls through the Joii app. This is invaluable for non-emergency advice, initial symptom assessment, or general health queries, potentially saving trips to the physical vet.
• Free Behaviourist and Nutritionist Video Calls: Through Companion Animal Wellness, members can schedule free video consultations with animal behaviourists and nutritionists. This helps address training issues, dietary concerns, or specific behavioural problems without incurring extra costs.
• Partner Rewards and Discounts: Waggel has collaborations with various pet-related businesses, offering exclusive discounts and benefits. These include:
  • Butternut Box: For fresh, home-cooked dog food.
  • Biscuit Pet Care: A rewards app for dog walking and care.
  • TrustedHousesitters: For pet-sitting services.
  • Protect My Pet: For tailored flea, tick, and worm protection delivered monthly.
  • Pet Database: Access to a free microchip database with a lost pet service.
• Blog and Resources: The website hosts a blog with articles on various pet care topics, offering educational content and building a community around pet welfare. This adds value by providing information and support beyond insurance.
• Membership Platform Access: All these features, from claim management to booking consultations and accessing partner benefits, are typically managed through a dedicated online membership dashboard, centralising all pet care needs.