Wagmo Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit wagmo.io/terms. Products, discounts, and rates may vary and are subject to change.Wagmo Insurance Agency is a licensed insurance agency, not an insurer. Insurance is underwritten by National Specialty Insurance Company and produced by Wagmo. Wagmo receives compensation based on the premiums for the insurance policies it sells.