What Wagmo does

Wagmo is a New York-based pet healthcare platform founded in 2017 by CEO Christie Horvath that combines subscription wellness plans, pet insurance brokerage, and a 24/7 virtual televet service under a single consumer brand. The company sells three configurable monthly Wellness tiers — Essential ($25), Classic ($45), and Deluxe ($65) — that reimburse routine care such as exams, vaccines, grooming, dental, and flea/tick prevention without waiting periods, deductibles, or network restrictions, alongside a quote-based accident-and-illness insurance product underwritten by Independence American Insurance Company, United States Fire Insurance Company, or National Specialty Insurance Company. Members access all products through a unified mobile app (iOS/Android) and web portal at wagmo.io, with claim submissions processed via a photo-of-receipt pipeline that delivers reimbursements within 24 hours through direct deposit, PayPal, or Venmo.

Wagmo's core technology stack is a cloud-based platform with pre-built integrations to the major benefits-administration platforms — Workday, PeopleSoft, Alight, bswift, Empyrean, and PlanSource — enabling automated employee enrollment and PEPM billing for employer-sponsored distribution. The platform also includes VETalk, a 24/7 text-and-video televet service staffed by licensed veterinary technicians that can issue prescriptions in ten states (AZ, CA, DC, FL, ID, NJ, NY, VA, OH, VT), plus a partner perks ecosystem offering discounts and bundled hardware with Fi (GPS wearables), PetMeds, BarkBox, Rover, Nom Nom, Bocce's Bakery, Fable, Good Pup, and MiaMore.

The business operates three primary revenue streams: (1) recurring Wagmo Wellness subscription fees sold direct-to-consumer and via employer enrollment, (2) commissions on Wagmo Insurance premiums sold through Wagmo Insurance Agency, LLC, and (3) B2B employer benefit contracts priced on a per-employee-per-month (PEPM) or voluntary-employee-paid basis, distributed through direct enterprise field sales to HR/Total Rewards teams, two-tier broker relationships with Aon, Mercer, Lockton, CoAdvantage, and Sequoia One, and embedded BenAdmin integrations. As of 2026 the company reported reach across 19,000+ employer groups covering 5M+ employees, had raised approximately $24.5M in disclosed funding across rounds between 2018 and 2024 led by Revolution Ventures, Harlem Capital, Vestigo Ventures, and MS&AD Ventures, and was named to the 2025 Inc. 5000 list of America's Fastest Growing Private Companies.

Name

Wagmo

Legal name

Wagmo Inc.

Website

https://wagmo.io/

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Wagmo is a New York-based pet healthcare platform offering subscription wellness plans, pet insurance brokerage, and 24/7 virtual televet services to U.S. consumers, distributed direct-to-consumer online and through employer benefit programs across 19,000+ employer groups.

Ownership category

akta.pro rank

Product category

Pet Healthcare Benefits

NAICS

Pet Care (except Veterinary) Services (81291), Veterinary Services (54194)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

Keywords

• Pet wellness plans
• Pet insurance
• Virtual veterinary care
• Employer pet benefits
• Benefits administration integration

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain, Others

Revenue model

1. Wagmo Wellness subscriptions (D2C): Recurring monthly membership fees paid by individual pet parents across three tiers (Essential $25, Classic $45, Deluxe $65) with mid-term cancellation potentially triggering reimbursement-reversal fees to claw back discounts baked into monthly rates.
2. Wagmo Pet Insurance premiums: Insurance premiums on accident and illness policies underwritten by National Specialty Insurance Company, Independence American Insurance Company, or U.S. Fire Insurance Company, marketed and produced by Wagmo Insurance Agency, LLC, with Wagmo receiving compensation on premiums sold.
3. B2B employer benefit contracts (PEPM & Voluntary): Per-employee-per-month (PEPM) employer-paid plans and voluntary employee-paid plans offered as a workplace benefit, with custom plan design available and free to offer for employers.
4. Broker channel commissions: Recurring commissions paid to benefits brokers and consultants (e.g., Aon, Mercer, Lockton, CoAdvantage, Sequoia One) on Wagmo plans sold into their client portfolios, reportedly delivering +20% yearly commission growth to broker partners.
5. Partner perk programs: Discount and credit partnerships with brands such as PetMeds ($25 new-account credit) and Fi (GPS device + 6 months service) that extend member value and deepen engagement.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

Wagmo sells pet healthcare coverage and access to U.S. pet parents and employers through three bundled offerings: Wagmo Wellness (a monthly subscription that reimburses routine and preventative care across three public tiers), Wagmo Insurance (accident-and-illness pet insurance underwritten by third-party carriers and marketed through Wagmo Insurance Agency, LLC), and VETalk Televet (24/7 on-demand virtual care via text and video with licensed vet technicians). The platform is sold direct-to-consumer via wagmo.io and mobile apps, and as an employer-sponsored voluntary or PEPM benefit distributed through benefits brokers (Aon, Mercer, Lockton, CoAdvantage, Sequoia One) and BenAdmin platforms (Workday, PeopleSoft, Alight, bswift, Empyrean, PlanSource).

Differentiator

Problem solved

Functional benefit

Brands

• Wagmo Wellness: Standalone pet wellness plan product for routine and preventative care reimbursement. Not an insurance product.
• Wagmo Insurance
• VETalk Televet

Products and services

• Wagmo Wellness A standalone pet wellness membership (not an insurance product) that reimburses routine and preventative care for dogs and cats. Sold in three public monthly tiers — Essential Care ($25/mo), Classic ($45/mo), and Deluxe ($65/mo) — with line-item annual benefit limits covering office visits, vaccines, bloodwork, fecal tests, urinalysis, flea/tick/heartworm prevention, grooming, and dental cleaning. Wellness claims are submitted via photo of a vet receipt in the mobile app and reimbursed within 24 hours via direct deposit, PayPal, or Venmo. Underwrites and onboards all cats and dogs regardless of age, breed, or pre-existing conditions, with no waiting periods, no deductibles, and no network requirements. Available to U.S. pet parents direct and as a voluntary or PEPM employer benefit.
• Wagmo Insurance Accident-and-illness pet insurance for dogs and cats, covering diagnostics, emergency vet visits, X-rays, surgeries, cancer treatment, and microchipping. Policies are marketed through Wagmo Insurance Agency, LLC and underwritten by National Specialty Insurance Company, Independence American Insurance Company, and U.S. Fire Insurance Company. Premiums are quote-based, varying by pet age, species or breed, and home address, with customizable deductible, co-insurance up to 100% reimbursement after deductible, and annual/lifetime benefit limits; 14-day waiting period for illness/injury in most states. Not available in ME, MT, RI, or WA. Sold direct-to-consumer and as an employer-sponsored voluntary benefit.
• VETalk Televet A 24/7 on-demand virtual veterinary care service delivered through text and video chat within the Wagmo mobile app, connecting pet parents to licensed vet technicians for triage, training, weight-management guidance, and general pet care advice. Optional prescription issuance is available in AZ, CA, DC, FL, ID, NJ, NY, VA, OH, and VT. Included with Wagmo Wellness plans and positioned as a replacement for costly or time-consuming trips to the vet.

Quantifiable outcome

• 30X higher enrollment than traditional pet benefits among employer partners
• +7 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

25 partnerships are on record, tiered flagship, core and minor.

• FiflagshipStrategic or Co-development Partner · 24 February 2026Partnership to provide Wagmo members with Fi GPS tracking devices (Fi Collar for dogs, Fi Mini for cats) and six months of service at no extra cost. Enables real-time location tracking, escape alerts, and health monitoring (eating, drinking, scratching, licking) for member pets.
• bswiftcoreTechnology or Integration · 3 November 2025Partnership to offer Wagmo's pet healthcare benefits to employees through the bswift benefits administration platform starting November 2025. Members gain access to discounts, wellness plans, and televet services through bswift employer clients.
• PetMedscoreGTM or Marketing Partner · 23 June 2025Wagmo members receive a $25 PetMeds credit when they create a new PetMeds account, redeemable on prescriptions, supplements, premium foods, treats, and daily pet care essentials. Accessed via Wagmo's Perks Page on web and mobile.
• AonflagshipChannel Partner/ Reseller/ DistributorLeading benefits organization partnered with Wagmo to resell Wagmo pet healthcare benefits into Aon's client benefits portfolios. Listed on Wagmo's For Brokers page.
• MercerflagshipChannel Partner/ Reseller/ DistributorGlobal benefits consultant partnered with Wagmo to distribute Wagmo pet healthcare benefits through Mercer's broker channel.
• LocktoncoreChannel Partner/ Reseller/ DistributorIndependent insurance broker partnered with Wagmo to offer Wagmo pet healthcare benefits into Lockton's employer client base.
• CoAdvantageminorChannel Partner/ Reseller/ DistributorHR and benefits provider partnered with Wagmo to distribute Wagmo pet healthcare benefits into CoAdvantage's client portfolio.
• Sequoia OneminorChannel Partner/ Reseller/ DistributorPEO and benefits administration partner of Wagmo, distributing Wagmo pet healthcare benefits through the Sequoia One platform to its employer clients.
• EmpyreancoreTechnology or IntegrationBenefits administration platform with a pre-built integration to Wagmo that enables automated employee enrollment, eligibility syncing, and PEPM billing.
• PlanSourcecoreTechnology or IntegrationBenefits administration platform integrated with Wagmo for seamless employer enrollment and member onboarding.
• AlightcoreTechnology or IntegrationBenefits administration platform integrated with Wagmo for enterprise client enrollment workflows.
• WorkdaycoreTechnology or IntegrationWorkday benefits administration integration with Wagmo enables HR-driven enrollment of Wagmo as an employee benefit.
• National Specialty Insurance CompanyflagshipStrategic or Co-development PartnerUnderwriter of Wagmo Insurance pet health insurance policies. Wagmo Insurance Agency produces and markets the policies while National Specialty Insurance Company assumes underwriting risk.
• Independence American Insurance CompanyflagshipStrategic or Co-development PartnerOne of the underwriters of Wagmo Insurance products (NAIC #26581, Newcastle, DE). Wagmo Insurance Agency markets and produces the policies.
• United States Fire Insurance CompanyflagshipStrategic or Co-development PartnerOne of the underwriters of Wagmo Insurance products (NAIC #21113, Morristown, NJ). Wagmo Insurance Agency markets and produces the policies.
• PTZ Insurance Agency Ltd.coreImplementation/ SI/ Consulting PartnerThird-party administrator for Wagmo Insurance policies (NPN: 5328528, Scottsdale, AZ; d.b.a PIA Insurance Agency Ltd. in California, CA #0E36937), responsible for insurance administration of in-force policies.
• RoverminorGTM or Marketing PartnerPet care perk partner offering Wagmo members exclusive discounts on pet sitting services through the Wagmo Perks Page.
• BarkBoxminorGTM or Marketing PartnerToys and treats perk partner offering Wagmo members exclusive BarkBox discounts via the Wagmo Perks Page.
• Nom NomminorGTM or Marketing PartnerPet food perk partner offering Wagmo members discounts on fresh pet food through the Wagmo Perks Page.
• Bocce's BakeryminorGTM or Marketing PartnerTreats perk partner offering Wagmo members discounts on Bocce's Bakery treats via the Wagmo Perks Page.
• FableminorGTM or Marketing PartnerPet accessories perk partner offering Wagmo members discounts on Fable products through the Wagmo Perks Page.
• Good PupminorGTM or Marketing PartnerTraining perk partner offering Wagmo members exclusive discounts on Good Pup training services.
• MiaMoreminorGTM or Marketing PartnerPet accessories perk partner offering Wagmo members discounts on MiaMore products through the Wagmo Perks Page.
• Harvard i-Lab / Harvard Business School (HBS)coreOthersWagmo was spun out of the Harvard i-Lab and Harvard Business School as part of its origin story. Provides startup incubation support and alumni networks.
• TechstarscoreOthersWagmo participated in the Techstars accelerator program as part of its origin story. Techstars is referenced alongside Harvard i-Lab/HBS as the company's founding accelerators.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Trupanion: Trupanion is a leading direct-to-consumer pet medical insurance company, the most direct comparable to Wagmo Insurance in product (accident/illness coverage) and target customer (U.S. pet parents). Both compete on veterinarian-direct claims and consumer-brand strength.
• Embrace Pet Insurance: Embrace offers accident/illness and optional wellness riders for dogs and cats in the U.S., overlapping directly with Wagmo's combination of insurance plus wellness reimbursements and employer distribution.
• Lemonade Pet: Lemonade's pet insurance product is a tech-first, mobile-native offering targeting a similar millennial pet-parent demographic to Wagmo, and competes head-on in D2C digital experience and pricing.
• Spot Pet Insurance: Spot offers accident/illness pet insurance with customizable plans and wellness add-ons, comparable to Wagmo's tiered wellness + insurance bundle and a frequent comparator in employer voluntary benefits RFPs.
• Healthy Paws Pet Insurance: Healthy Paws is a direct-to-consumer pet insurance provider covering accidents and illnesses for dogs and cats, comparable in product scope and target buyer (U.S. pet parents shopping online).
• Pets Best Pet Insurance: Pets Best offers pet insurance plans with optional wellness add-ons, comparable to Wagmo's combined insurance + wellness structure and frequently bundled through employer benefits brokers.
• Fetch (formerly Petplan): Fetch is a comprehensive pet health insurance and wellness provider with strong employer and direct channels, directly comparable to Wagmo's bundled product strategy.
• Pumpkin Pet Insurance: Pumpkin offers accident/illness insurance and preventive care add-ons for dogs and cats, with a similar premium wellness bundle model and a comparable target customer to Wagmo.

Broad incumbents

• MetLife Pet Insurance: MetLife Pet is a scaled, carrier-backed pet insurance offering distributed heavily through employer benefits and brokers, directly overlapping with Wagmo's B2B employer channel and posing a major competitive threat given MetLife's brand and balance sheet.

Emerging players

• Pawp: Pawp is a digital pet health platform offering 24/7 telehealth and an emergency fund product. It overlaps with Wagmo's VETalk televet and benefit-style positioning, and competes for the same 'pet healthcare platform' narrative.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wagmo
• Xx.com/meetwagmo

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds10 records

Investors23 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wagmo