Waggel is a new technology based pet insurance provider. It was launched in December 2018.

Its policies are underwritten by Red Sands Insurance Company (Europe) Ltd.

It is based in London.

Our customer experience ratings
Our product ratings

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

18 products reviewed

Cat insurance

9 products reviewed

Lifetime £15,000
Lifetime £5,000
Lifetime £6,000
Lifetime £8,000
Lifetime £10,000
Lifetime £3,000
Lifetime £4,000
Lifetime £2,000
Lifetime £1,000

Waggel

Lifetime £15,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£15,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£15,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £5,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £6,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£6,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£6,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £8,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£8,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£8,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £10,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £3,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £4,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £2,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £1,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£1,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Dog insurance

9 products reviewed

Lifetime £15,000
Lifetime £6,000
Lifetime £8,000
Lifetime £10,000
Lifetime £4,000
Lifetime £5,000
Lifetime £2,000
Lifetime £3,000
Lifetime £1,000

Waggel

Lifetime £15,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£15,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£15,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £6,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£6,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£6,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £8,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£8,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£8,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £10,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £4,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £5,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £2,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £3,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Waggel

Lifetime £1,000

Feature	Value
Medical excess	£0.00
Type of cover	Lifetime, annual
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£1,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Pet insurance

Ranked 29th of 29 providers reviewed

Customer happiness score	52.12%
Customer trust score	51.8%
Complaints performance	56.12%
Transparency rating	78.92%
Fairer Finance Score Reviewed Autumn 2026	59.74%

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Waggel

Pet insurance

Cat insurance

Waggel

Lifetime £15,000

Waggel

Lifetime £5,000

Waggel

Lifetime £6,000

Waggel

Lifetime £8,000

Waggel

Lifetime £10,000

Waggel

Lifetime £3,000

Waggel

Lifetime £4,000

Waggel

Lifetime £2,000

Waggel

Lifetime £1,000

Dog insurance

Waggel

Lifetime £15,000

Waggel

Lifetime £6,000

Waggel

Lifetime £8,000

Waggel

Lifetime £10,000

Waggel

Lifetime £4,000

Waggel

Lifetime £5,000

Waggel

Lifetime £2,000

Waggel

Lifetime £3,000

Waggel

Lifetime £1,000

Pet insurance