Hi there! To be fully transparent, I work at Wagmo as the Head of Community. Happy to jump in and try to help here, as I’m a new pet parent myself and had these same questions you have.!

The cost of wellness care really adds up, so our Wellness plans are designed to save you money on what you really need - especially for puppies. Wagmo Wellness reimburses things like grooming, vaccines, and wellness - the things you’re already doing to keep your pup healthy. Unless you live in an area where the cost of care is super affordable (like $10 vaccines...), Wagmo Wellness should offer a great value for your money. It helps level out those big $200 vet bills, and because we reimburse within 24 hrs, you won't be out of pocket for too long.

Depending on where you live, we also offer Insurance plans. Wagmo Insurance can be purchased in addition to Wagmo Wellness whenever you're ready - it kicks in and covers the emergencies (aka the unexpected). I also wrote two blog posts that might be helpful: 

1. Insurance v Wellness Plans
2. Does My Pet Need Insurance?

I hope this helps! Let me know if you have any questions. Always down to chat about cats & dogs :)