Company Overview
About Wagmo
Wagmo is a New York-based pet wellness company that offers two distinct products addressing different aspects of pet care costs: a wellness plan that reimburses pet owners for routine and preventive care expenses, and a traditional pet health insurance product covering unexpected illnesses and accidents. The wellness plan is Wagmo's flagship offering, reimbursing costs for annual exams, vaccines, flea and tick prevention, dental cleanings, and grooming — the predictable expenses that traditional pet insurance typically excludes. By covering preventive care that other insurers ignore, Wagmo helps pet owners afford the routine maintenance that keeps pets healthier and reduces larger veterinary bills over time.
Business Model & Competitive Advantage
Wagmo's insurance product layers on top of the wellness plan to provide comprehensive coverage for unexpected illnesses, accidents, and surgeries, giving pet owners a single platform for both routine and emergency care costs. The company uses a digital-first claims process where pet owners upload receipts through the mobile app and receive reimbursements within 24 hours for wellness claims, dramatically faster than traditional pet insurance which can take weeks to process claims. The platform allows plan customization with different reimbursement limits and frequency caps to match different pet owner budgets and needs.
Competitive Landscape 2025–2026
Founded in 2017, Wagmo has grown its subscriber base by targeting younger pet owners who prioritize preventive care and want transparent, easy-to-understand coverage rather than the confusing exclusions typical of traditional pet insurance policies. The company has raised over $12M from investors including Primrose Hill Ventures and ManchesterStory and distributes its plans through direct-to-consumer channels and employer benefits programs. Wagmo competes with Healthy Paws, Embrace Pet Insurance, Nationwide Pet Insurance, and newer digital-first insurers like Lemonade Pet and Spot Pet Insurance in the $3.6B and growing pet insurance market.
Open Positions
Reddit Discussions
Key Differentiators
Emerging Innovator
Wagmo is an emerging player bringing innovative solutions to the HealthTech market.
Frequently Asked Questions
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