# Wagmo **Source:** https://geo.sig.ai/brands/wagmo **Vertical:** HealthTech **Subcategory:** Pet Insurance & Wellness **Tier:** Emerging **Website:** wagmo.com **Last Updated:** 2026-04-14 ## Summary Pet wellness plan provider offering preventive care reimbursement for routine vet visits, vaccines, and grooming as an affordable alternative to traditional pet insurance. ## Company Overview 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. 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. 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. ## Frequently Asked Questions ### What is the difference between Wagmo's wellness plan and pet insurance? Wagmo's wellness plan reimburses routine, predictable costs like annual exams, vaccines, dental cleanings, and grooming — expenses traditional pet insurance excludes. Their insurance product separately covers unexpected illnesses and accidents. The two can be combined for comprehensive coverage of both planned and surprise veterinary costs. ### What does Wagmo pet insurance and wellness platform offer? Wagmo offers pet wellness plans and pet insurance products designed to make routine and unexpected veterinary care more affordable and accessible. Its wellness plans reimburse pet owners for routine preventive care costs, while its insurance product covers accidents and illnesses, together covering the full spectrum of veterinary expenses. ### How does Wagmo wellness plan differ from pet insurance? Wagmo wellness plans reimburse routine, predictable veterinary costs such as annual exams, vaccines, flea/tick prevention, and dental cleanings — expenses that traditional pet insurance typically excludes. Insurance covers unexpected accidents and illnesses. Wagmo offers these as separate products or in combination for complete coverage. ### How is Wagmo priced? Wagmo wellness plans are priced starting at approximately $20 per month with higher tiers offering greater annual reimbursement limits. Pet insurance pricing varies based on pet age, breed, and deductible/coverage choices. Pricing is available through Wagmo website or employer benefit portals. ### How does Wagmo distribute its products? Wagmo sells directly to individual pet owners and also distributes through employers as a voluntary pet benefit. The employer channel has been a significant growth driver, as pet insurance and wellness plans have become increasingly popular voluntary employee benefits. ### Who does Wagmo serve? Wagmo serves individual pet owners seeking affordable veterinary cost coverage, and employers offering pet health benefits to attract and retain employees who are pet owners. Dogs and cats are the primary covered pets. ### How does Wagmo compare to Trupanion and Nationwide pet insurance? Wagmo differentiates by combining wellness (routine care) plans with insurance in a modern, app-friendly platform designed for younger pet owners. Traditional pet insurers like Trupanion and Nationwide focus primarily on illness and accident coverage. Wagmo approach of addressing both routine and unexpected costs appeals to owners wanting more comprehensive coverage. ### What recent milestones has Wagmo achieved? Wagmo raised venture funding and expanded its employer benefits distribution network significantly, partnering with major benefits brokers and HR platforms to reach employees. The company has grown its pet owner base and refined its wellness plan tiers based on usage data and member feedback. ## Tags healthtech, b2c, saas, mobile-first, startup, marketplace --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*