Waggel pet insurance (UK): cover, perks and how to get your first month free

Last updated: 15 October 2026

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don’t choose what I feature or what I say about them. This is information, not financial advice.

What is Waggel pet insurance?

Waggel pet insurance is built around a digital-first approach. Instead of paperwork and phone queues, you set up and manage your policy online, and claims are submitted by uploading your vet invoices through your account. Waggel offers lifetime cover for dogs and cats, which means your annual vet fee limit resets each year when you renew, rather than running out after a single condition.

Alongside the cover itself, Waggel includes free 24/7 video vet calls through its partner Joii, free behaviour and nutrition video consultations, and discounts from independent pet brands. You can choose your excess to help keep the monthly cost at a level that works for you.

How to get your first month free

1. Start your quote through the referral link on this page.
2. Choose your pet's details and the cover level that suits you.
3. Complete sign-up. Your first month of Waggel pet insurance is free as a new customer through the referral.

The offer is for new Waggel customers. As with any insurance, check the policy documents, excess and exclusions before you buy, and read the current referral terms on Waggel's site, as offers can change.

Start your Waggel quote

Is there a Waggel discount code?

There is no traditional Waggel discount code to type in at checkout. Waggel applies its new-customer offer through a referral link instead, so when you start your quote from the link on this page, the first-month-free offer is tracked automatically. That means there is nothing to copy or paste, and you do not need to hunt for a working promo code elsewhere.

What Waggel cover includes

Lifetime cover up to £15,000: your annual vet fee limit refreshes each year on renewal, which suits ongoing conditions as long as they begin while you are covered.

Online claims: submit claims by uploading vet invoices through the app or website, rather than posting forms.

Free video vet calls: 24/7 access to online vet consultations is included, which can save an in-person trip for minor worries.

Owner perks: free behaviour and nutrition video consultations, plus discounts from independent pet brands.

Third-party liability for dogs: up to £2 million if your dog injures someone or damages their property.

Choose your excess: you can set the excess to balance your monthly premium against what you would pay towards a claim.

Who Waggel may suit

Waggel pet insurance may suit dog and cat owners who want lifetime cover they can manage online, value the included video vet calls and perks, and prefer a digital service to phone-based support. It can be a good fit if you are insuring a younger pet before any conditions develop.

It tends to be less suitable if you prefer to deal with an insurer by phone, or if your pet has pre-existing conditions, which, as with most insurers, are generally excluded. Always compare the cover limits, excess and exclusions for your pet rather than choosing on perks alone. For a wider view, see our best pet insurance UK guide.

Is Waggel good value?

The first month free lowers your first-year cost, but the cover itself matters more over time. Pet insurance is best compared on the annual vet fee limit, the excess, and what is excluded, rather than the headline price. Waggel shows a 4.5 Trustpilot rating from more than 14,000 reviews on its site, though experiences with any insurer vary. Get quotes from two or three providers and check the limits for your pet's breed and age before deciding.

Who provides the cover, and is it regulated?

Waggel is a trading name of Waggel Limited, which is an Appointed Representative of City Insurance Brokers Ltd. City Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority (FRN 831252). Waggel pet insurance policies are underwritten by Red Sands Insurance Company (Europe) Limited, which is registered in Gibraltar (company number 87598) and licensed by the Gibraltar Financial Services Commission. As general insurance, eligible policies are protected by the Financial Services Compensation Scheme (FSCS) if the insurer cannot meet valid claims. CoolCuration is not authorised by the FCA and does not give insurance advice.

FAQs

Is there a Waggel discount code to enter?

No. Waggel applies its new-customer offer through a referral link, not a code box. Start your quote from the link on this page and the first-month-free offer is tracked automatically.

How do I get my first month of Waggel free?

Start your quote through the referral link on this page and complete sign-up as a new customer. The first month free is applied through the referral. Check Waggel's current referral terms before you buy, as offers can change.

Is Waggel pet insurance legitimate and regulated?

Yes. Waggel Limited is an Appointed Representative of City Insurance Brokers Ltd, which is FCA authorised (FRN 831252). Policies are underwritten by Red Sands Insurance Company (Europe) Limited, and eligible claims are FSCS protected if the insurer fails.

Does Waggel cover pre-existing conditions?

Like most pet insurers, Waggel generally excludes conditions your pet had before the policy started. Read the policy wording carefully if your pet has any existing health issues.

Can I claim online?

Yes. Waggel is digital-first, so you submit claims by uploading vet invoices through your account, and you get free 24/7 video vet calls included.

Is my Waggel policy FSCS protected?

Eligible general insurance is covered by the FSCS if the underwriter cannot meet valid claims. For most general insurance the FSCS covers 90% of a claim with no upper limit.

Authority and useful sources

• FCA Register: City Insurance Brokers Ltd (FRN 831252), Waggel's principal.
• MoneyHelper pet insurance guide: impartial guidance on choosing cover.

Disclaimer

This page is for general information only and is not financial or insurance advice. Cover, excess, exclusions, eligibility and referral terms are set by Waggel and can change, so always read the policy documents and current offer terms before buying. The insurer underwriting your policy is named in your documents. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don’t choose what I feature or what I say about them.

Link last checked on 15 October 2026.

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Get your first month of Waggel free

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