Wagmo does not offer pre-approval for specific services or treatments in advance of a claim being submitted. This applies to both Wagmo Insurance plan claims and Wagmo Wellness plan claims.
Each claim is reviewed individually based on the actual invoice and documentation from the visit. For Wagmo Insurance plan claims, the insurance team reviews the claim details, including your pet's medical records when needed, to determine whether the services are eligible under your Wagmo Insurance plan.
Whether a service is reimbursable depends on details that can only be confirmed at the time of the visit, such as the reason for the visit and the type of care provided. For example, a routine exam may be eligible under your Wagmo Wellness plan, while an exam tied to a specific injury or symptom may be eligible under your Wagmo Insurance plan instead.
If you have both a Wagmo Wellness plan and a Wagmo Insurance plan, you only need to submit one claim. The Wagmo team routes the items on your claim to the correct plan.