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Emergency Fund Plan.

Half the Price, Full Year of Vet Support

Your Pet’s Health, Covered All Year Long — Without the Full Price Tag

A benefit built for pet parents

Access licensed vets in minutes, not hours

Skip the long waits, get instant support

Receive personalized advice on pet health

No more costly vet bills, save UP TO $100

Hassle-Free access to your $750 Emergency Fund

24/7 Vet Access

Reach out to our licensed vets through 24/7 chat service.

Expert Pet Guidance

Get professional guidance for your pet's condition.

Emergency Care Coverage

We cover the costs of your pet's emergency care.

Prioritize Pet Recovery

Focus entirely on your pet's recovery and well-being.

Coverage without the Guesswork

  • Skin issues
  • Diet & weight loss
  • Lumps & bumps
  • Separation anxiety
  • Bad breath
  • Diarrhea & vomiting
  • Flea & tick
  • Itching & scratching
  • Allergies
  • Second opinions
  • Scheduled appointments
  • Scheduled surgeries
  • Regular check-ups
  • Wellness visits
  • Pregnancy issues
  • parvovirus

Pet care

can cost a bmb!

Pet Parents spend $600 a year for vet visits, $1500 for emergencies

Don’t compromise on care, just on cost.

Ultimate Savings on Vet Visits

Emergency Fund + Unlimited VetChat

$199$99 / Year

  • Includes all VetChat benefits.
  • $750 emergency fund for unexpected vet expenses.
  • Coverage for up to 6 pets.
  • Instant access to funds when you need it most.
  • No paperwork hassle—quick and easy claims.
  • Comprehensive financial and medical care.

Pet Parent’s Choice

Your Vet, One Tap

1
Download your app

Download your app to get access to Vet Chat.

2
Tap the App

Open Waggle and hit "Claim $750 Emergency Fund"

3
Chat Live

Video or text your questions, anytime.

Get the Waggle app

Download the Waggle App in just seconds and unlock a world of smart pet care. Sign up effortlessly to get started.

Meet top veterinarians committed to your pet's best care.

“If I can help one person, that's all that matters to me. My goal in life is to do good things for animals and help pet parents.”

Dr. Mellisa
Los Angeles, CA
12 years in practice

Frequently Asked Questions

Which pet insurance pays the vet directly?

Waggle VetChat Emergency Fund pays the licensed veterinary clinic of your choice anywhere in the US after emergency treatment. To qualify, your case must be evaluated and confirmed as eligible by our online vet.

How does pet insurance work in the US?

With Waggle VetChat Emergency Fund, once you enroll, you gain immediate access to online vet consultations. After a 14-day waiting period, you become eligible for one emergency vet bill coverage up to $750 per year for any one of your up to 6 registered pets in a single household.

What pet insurance covers pre-existing conditions?

Waggle VetChat Emergency Fund supports pets in life-threatening emergencies regardless of age, breed, or previous medical history. Our vets assess each case individually, ensuring eligibility and confirming there was no negligence leading to the condition.

Is Waggle VetChat Emergency Fund traditional pet insurance?

No. Unlike traditional pet insurance—where pricing depends on age, breed, and coverage options—Waggle VetChat Emergency Fund offers a universal emergency plan. It’s an affordable solution focused solely on life-threatening situations.

Is pet insurance worth it?

For under $1 a day (less than $365/year), Waggle VetChat Emergency Fund can save you up to $750 on emergency vet bills. For example:

However, if the emergency bill is smaller than the unpaid balance, the Fund won’t apply. For instance, a $270 emergency wouldn’t be covered if $329.89 remains unpaid.

Will my vet accept the Waggle VetChat Emergency Fund?

Yes. Waggle pays any licensed US veterinary clinic directly. To date, our members have had no issues using the Fund. If you encounter any problems, our support team is ready to assist.

Can I use the fund more than once a year?

No. The Emergency Fund provides one-time use per year per membership, covering up to $750. Even after using the fund, you still have access to online vet consultations for the remainder of your membership term.

How long is the fund valid after activation?

Once referred by a Waggle vet via online chat, the $750 Emergency Fund remains valid at your chosen vet clinic for up to 4 hours.

Can I use the fund without consulting Waggle’s vet?

No. Vet approval through Waggle’s platform is required before using the Emergency Fund. A video showing your pet’s condition is also mandatory. If your pet is already admitted before consulting our vet, the fund cannot be used.

Can I use the fund immediately after joining?

There is a 14-day waiting period after joining before the Emergency Fund becomes active. No exceptions apply.