Wagmo Reviews, Complaints & Contacts

Contacts

PhoneEmailAddress

Customer service & general contact

• Support Hub (help center)help.wagmo.io/hc/en-us ↗

Cancel, billing & returns

• Support, cancellations and claims questions[email protected]

Privacy requests

• Privacy requests[email protected]
• Toll-free number (listed in Wagmo's privacy policy for privacy requests)(855) 836-8785

Other contacts

• Wagmo websitewagmo.io ↗

Locations

• Mailing address228 Park Ave S #15863 New York NY 10003-1502

Is Wagmo Legitimate?

BBB, Trustpilot

Legal name

Wagmo, Inc.

Founded

2017

Business type

New York seller of a pet wellness membership, which Wagmo says is not insurance, and of pet insurance underwritten by other insurers

Website

wagmo.ioSource: Wagmo website, checked 2026-10-27

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Complaint record: this site and BBB

No published complaint reports are currently linked to this profile.

BBB. BBB rates Wagmo, Inc. B+; the company is not BBB Accredited. Its profile shows 13 complaints in the last 3 years, 5 of them in the last 12 months, and 5 customer reviews. By type: service or repair 5, order 3, billing 2, product 2, sales and advertising 1. Wagmo answered 12 and 1 is marked resolved. BBB displays 6 of the 13 complaints, and three of those six concern what a Wellness plan or an insurance policy does and does not cover. Examples, with Wagmo's replies:

• August 2026: a customer said Wagmo's website led them to believe they had bought pet insurance and complained that a claim was denied. Wagmo replied that the member held a Wellness plan enrolled through an employer's benefits offering, not an insurance policy, so the illness-related claim was not covered and the plan could not be converted into insurance.
• April 2026: a customer complained that bloodwork at a checkup was rejected and cancelled the plan. Wagmo replied that Wellness reimburses routine preventive care, not visits tied to a specific health concern.
• April 2024: a customer complained that an insurance claim for surgery was denied as preventive. Wagmo replied that the policy covers active accidents and illnesses, that preventive care including spaying and neutering is excluded, and that the claim was for suture removal after an earlier surgery.
• October 2025: a complainant said charges on an insurance policy continued for more than a year after the card on file expired, and that they were not the customer named on the policy. Wagmo replied that the complainant was not the named insured, that it cannot alter or refund a policy without a request from the named insured, and that billing used authorized payment information; it said the named insured cancelled in May 2025 and received a prorated refund, and that no further refund was warranted.
• January 2024: a customer complained that her insurance policy was set not to renew because of claims activity. Wagmo replied that the policy had 67 claims in two years, 63 of them paid, including repeated conditions; it then said it had re-reviewed the matter, reversed the non-renewal and sent a renewal quote.
• December 2023, marked resolved: a customer asked to pause a Wellness plan because of financial hardship and was billed a cancellation fee. Wagmo replied that the plan is a 12-month commitment shown at checkout and in the agreement, then waived the fee and closed the account.

These are complaints and company replies as BBB shows them, not findings.

Trustpilot. Trustpilot shows a TrustScore of 2.2 out of 5 from 16 reviews for wagmo.io. The profile is claimed, Trustpilot notes that the company has not invited customers to review it recently, so reviews may not be representative, and it says Wagmo has not replied to negative reviews. BBB and Trustpilot are separate sources and their figures are not added together.

Cancel, claim or ask Wagmo for help: what its documents say

First, find out which product you have. Wagmo's Terms page says: "Wagmo Wellness is not an insurance policy. It is offered separately and distinctly from insurance." Wellness reimburses routine and preventive care only; Wagmo Insurance is an accident and illness policy issued by an insurer.

Wellness through your employer. A plan through your employer can be cancelled only during annual open enrollment, on termination of employment, on a change in benefits eligibility, or when the pet dies or is rehomed; proof may be required. Outside those windows the agreement sends you to your HR department or benefits team.

Cancel a Wellness plan you bought yourself. Section 13 of the Universal Membership Agreement says you must submit a cancellation request with Wagmo customer support; the Terms page says to send it in writing to [email protected]. Keep a copy of the email. What you owe depends on timing:

• Within 24 hours of enrolling (section 13.A): if you are newly enrolled and have not been in a plan in the preceding 90 days, the membership fee and other fees are refundable, although claims already filed and processed affect any cancellation fee.
• After 24 hours, paying monthly (section 13.B): Wagmo "shall be entitled to retain the entire membership fee" and every installment already paid or due, including the month you cancel in. If reimbursements already paid to you exceed the installments collected, you must either pay the full retail cost of the reimbursed items with discounts reversed, pay the remaining installments for the plan year if that is less, or keep paying monthly until the plan year ends.
• After 24 hours, paid annually (section 13.C): Wagmo refunds the lesser of one-twelfth of the annual fee for each full month left in the plan year, or the annual fee minus the undiscounted value of items already reimbursed. Section 13.F says annual plans with reimbursed claims carry no cancellation fee.

Any refund Wagmo owes is to be paid within 6 to 8 weeks. File any claims for care already received before you cancel. Plans renew automatically on the anniversary date (section 8), and Wagmo must give at least 30 days' notice of a price change at renewal (section 13.E).

File a Wellness claim. Upload a photo of the receipt in the Wagmo app or on the website; Wagmo says it processes reimbursements within 24 hours and pays by direct deposit, PayPal or Venmo. Section 5 of the agreement asks for the full itemized invoice showing the provider's name, phone and address, your pet's name, each item billed, the total and proof of payment, and requires the claim no later than 30 days after the membership period expires or renews.

Cancel an insurance policy or stop it renewing. Coverage, exclusions, waiting periods and refund terms are set by the policy issued to you, not by Wagmo's marketing pages. Wagmo's insurance terms say the newer policies are billed by PTZ Insurance Agency, which is authorized to charge your card or bank account at each renewal unless you tell Wagmo otherwise. In a BBB reply Wagmo said it cannot change, cancel or refund a policy without a request from the named insured, so the policyholder should send the request, in writing to [email protected], and keep a copy. In that case Wagmo said it refunded the unused premium pro rata after the policyholder cancelled. Check your policy and declarations page for the refund and any free-look period that applies in your state.

Contacts. Email [email protected]. The Contact Us page also offers a 24/7 chatbot named Scout and live chat with staff Monday to Friday 9:30am to 5:30pm and Saturday 11am to 7pm Eastern, plus a help center at help.wagmo.io. The Contact Us page lists no phone number; the privacy policy gives a toll-free number, (855) 836-8785, for privacy requests.

If Wagmo does not resolve it. If a credit card charge is a billing error, such as a charge you did not authorize or one for the wrong amount, send the card issuer a written billing-error notice within 60 days of the first statement showing it, under the Fair Credit Billing Act.

What Wagmo offers and who stands behind each product

Wagmo Wellness. A membership for dogs and cats that pays you back for routine care, each item with a yearly count or dollar cap. The Wellness plans page lists three plans at $25, $45 and $65 a month. All three cover an office visit, vaccines, routine bloodwork and a fecal test, plus unlimited VETalk telehealth chats and video sessions; the $45 and $65 plans add urinalysis, flea, tick and heartworm medication and grooming allowances, and the $65 plan adds teeth cleaning. Wagmo says there are no waiting periods or deductibles and that every dog and cat is eligible regardless of pre-existing conditions, but Wellness does not pay for treating or diagnosing those conditions. Employer-sponsored plans can differ in coverage and price. According to the Terms page, Wagmo itself runs the Wellness product and pays its claims.

Wagmo Insurance. Accident and illness policies with a choice of deductible, reimbursement rate and annual limit, usable at any licensed vet in the U.S. The insurance page lists cancer treatment, hereditary and congenital conditions, surgeries, hospital stays and prescription medication among covered items, and says the waiting period is 14 days in most states. Wagmo's FAQ says neither Wagmo Insurance nor Wagmo Wellness pays for spaying or neutering, although Wagmo's California disclosure describes an optional preventive care endorsement on Independence American policies whose benefit schedule includes a dental cleaning or spay/neuter allowance; it is not sold to people who already hold a separate wellness product. Wagmo does not carry the insurance risk itself: "Wagmo Insurance" is a brand name, and the policies are issued by the insurance companies listed under Company information on this page. Your policy document names your insurer.

Company Relationships

• Affiliated withWagmo Insurance Agency, LLC

Frequently Asked Questions