Had quite an expensive claim as my cat had surgery. Was thinking I might need to jump through so many hoops to be paid/justify things but really easy portal upload for the documents requested and prom... Voir plus
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Easy online quote and decent price with excellent excess options. (i.e. no co-pay percentage and just a flat excess) While not needed, its nice that pre-existing conditions over 2 years old do not af... Voir plus
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One of the few companies that don't charge a co-payment once your pet reaches a certain age. I don't agree with this as any pet can have an accident and some pets never see a vet so the assumption t... Voir plus
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From the initial easy contact regarding the claim for my beloved cat illness, medical condition and passing i experienced kindness and compassion whilst provided professional and friendly advice. T... Voir plus
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À propos de l'entreprise
Écrit par l'entreprise
Everything we do is backed by traditional values, and state of the art technology. Certainty of out of pocket expenses. Your vet, your choice, always without penalty. Join the club today and experience pet insurance like no other.
Coordonnées de contact
100 Bishopsgate, EC2N 4AG, London, Royaume-Uni
- info@whistleandwag.co.uk
- whistleandwag.co.uk
4,6
Excellent
245 avis
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I don’t usually write reviews in anger
UPDATE: Your reply misrepresents the truth. The confusion between my dog and another has never been addressed. “Bite incidents” were historic, aand this was Arya who had brain damage so the information is misattributed, or based on stress responses from years ago. You approved the policy without asking about historic vet notes, and now you're voiding it after a costly claim. That’s not risk management—that’s dodging a payout.
I have now lost cover permanently due to this misrepresentation. I am pursuing a formal complaint and seeking advice from the Financial Ombudsman and my MP. You’ve left me thousands out of pocket, and I’ll ensure others are fully informed of the risks of insuring with Whistle & Wag.
I don’t usually write reviews in anger, but Whistle & Wag have left me no choice; i am fuming.
Following a recent vet visit, I submitted a claim under my pet insurance policy, procedure to remove a wart from my dog's eye only to have it rejected and the entire policy voided. The reason? Historic vet notes, some dating as far back as 2016, which they are now using to label my dog as aggressive.
Let me be clear: my dog has never been diagnosed with a behavioural disorder, never been declared dangerous, and has never been the subject of any formal incident. Like many dogs, he reacts to pain and discomfort, particularly during intrusive procedures, but this is not aggression, and it is absolutley wrong to claim otherwise.
Even more disturbing, the company used the fact that I muzzle my dog at vet appointments (as advised by professionals, for safety) against me. Responsible precautions are now being treated as admissions of guilt.
At no point during the application process was I asked to declare incidents from nearly a decade ago. These notes were not flagged as material at inception, and I was not given an opportunity to explain or contest them. Now, they are being retroactively used to deny coverage and cancel the policy altogether.
This is not only unethical — it's grounds for a regulatory complaint under FCA fair treatment principles. I am now escalating the matter to the Financial Ombudsman Service.
If you’re thinking of insuring your pet with Whistle & Wag, ask yourself: do you want to find out, when you need them most, after 3 years and never claiming that they’ve quietly rewritten the rules?
5 juin 2025
Avis spontané
Réponse de Whistle & Wag
Hi Shelley-anne, Thank you for taking the time to share your concerns. We're genuinely sorry that this experience has been so distressing, and we appreciate the chance to provide further clarity.
While we understand your recent claim — for the removal of a wart near your dog’s eye — was unrelated to any behavioural concerns, the decision to void the policy followed a detailed review of your pet’s full veterinary history.
This review revealed multiple historical references to behavioural issues, including confirmed bite incidents.
To clarify, if biting had been disclosed at quote stage, we would not have been able to offer a policy. As such, when this type of information comes to light retrospectively, we are required to assess whether the policy was set up correctly, and whether it can remain valid.
We completely understand that many dogs may react under stress, especially in clinical environments, and using a muzzle is often a sign of responsible ownership and this is taken into account in any decision.
We’re truly sorry that this situation has left you feeling let down. I can see you have raised a complaint, the Complaints Team will be in touch with you in due course and will fully investigate your concerns to ensure the correct outcome has been reached.
The Whistle & Wag Pet Insurance Team
Réponse de Whistle & Wag
Good afternoon Patricia, thank you so much for your lovely feedback. We’re delighted to hear that the quote journey was easy to navigate and clear from start to finish — it’s exactly what we aim for. Making sure you feel confident and supported in choosing cover for your pet is incredibly important to us.
If you have any questions down the line, we’re always here when you need us.
The Whistle & Wag Pet Insurance Team
Everything is just so easy
Everything is just so easy. When I did have a query relating to the breed of my dog the matter was solved promptly. This is how a service provider should act so well done to you guys
3 juin 2025
Réponse de Whistle & Wag
Good morning Philip, Thank you so much for your lovely feedback! We're thrilled to hear that you found everything so easy and that our team was able to promptly assist with your query about your dog's breed. Providing helpful, efficient service is exactly what we aim for.
All the best,
The Whistle and Wag Pet Insurance Team
Can’t fault Whistle and Wag
Can’t fault Whistle and Wag. The claim was handled in good time and paid fairly. Any deductions were clearly explained and not excessive.
I’ve had to claim before sadly but W&W have been great every time.
3 juin 2025
Réponse de Whistle & Wag
Good Afternoon. Thank you so much for your kind words! We're really pleased to hear that you've had consistently positive experiences with Whistle and Wag, even during the more difficult times when a claim is needed.
It’s great to know the claims process has been clear and timely for you, and that our explanations around deductions were helpful. We always aim to be transparent and fair, so your feedback really means a lot.
Warm regards,
The Whistle and Wag Pet Insurance Team 🐾
Réponse de Whistle & Wag
Hi Arijana,
Thanks so much for the great feedback! We're really pleased to hear you found everything excellent, simple, and easy to set up — that's exactly the experience we aim to deliver.
If you ever need any help or have questions, we’re always happy to assist.
Best regards,
The Whistle & Wag Pet Insurance Team 🐾
Thanks, Whistle and Wag
We were sad and emotional after losing our cat and really appreciate the approach that Whistle and Wag took. Sensitive and efficient – just what was needed in the situation. Thanks, Whistle and Wag. I have already recommended you to a few of my pet owner friends.
23 mai 2025
Avis spontané
Réponse de Whistle & Wag
Good Afternoon Samantha. Thank you for your review. We’re truly sorry for the loss of your cat and send our deepest sympathies during what we know is a very emotional time.
It means so much to hear that our approach provided some comfort. Sensitivity and care are at the heart of everything we do, and we're grateful to know that it made a difference to you.
The Whistle and Wag Pet Insurance Team
Quick and efficient settlement
My cat took ill suddenly and unfortunately had to be euthanised. The bill came to £1300. I put a claim in and Whistle and Wag handled it quickly and efficiently with it settled and in my bank account within 10 days.
9 mai 2025
Avis spontané
Réponse de Whistle & Wag
Good Afternoon Chris. Thank you so much for taking the time to share your experience during such a difficult time. We're incredibly sorry to hear about the loss of your beloved cat — our thoughts are with you.
We understand how distressing unexpected illness can be, and it's reassuring to know that our claims team could offer some support by handling your claim swiftly and smoothly. Making things as stress-free as possible during such moments is something we truly care about.
Warmest regards,
The Whistle and Wag Pet Insurance Team
Excellent and thoughtful service
We had to say goodbye to our beloved cat recently, which was horrible. We'd only just moved to Whistle & Wag and we didn't have high hopes after really poor service from other pet insurance providers.
They dealt with our claims really quickly, and they also reached out with a thoughtful message and to cancel our premium so we wouldn't get charged again.
Would recommend highly and would definitely use again.
22 mai 2025
Avis spontané
Réponse de Whistle & Wag
Good Afternoon Dave, Thank you so much for your thoughtful review, especially during such a difficult time. We’re truly sorry to hear about the loss of your beloved cat — our hearts go out to you.
It means a great deal to us that, even in such a painful moment, you felt supported and cared for by the Whistle & Wag team. We know how important it is to make things as easy and stress-free as possible when you're grieving, and we’re glad we could be there for you when you needed it most.
Thank you for your kind words and recommendation — it really does mean a lot to us.
The Whistle & Wag Pet Insurance Team
I just find that whistle and wag pay…
I just find that whistle and wag pay your claims straight away and I’ve had no brother with them whatsoever
22 mai 2025
Réponse de Whistle & Wag
Good Afternoon Pat. Thank you so much for your lovely review! We’re really pleased to hear that you’ve had such a smooth experience with Whistle and Wag, and that claims have been paid promptly with no bother at all — that’s exactly the kind of hassle-free service we aim to provide.
We truly appreciate your trust and are delighted to have you and your pet with us.
Warmest thanks,
The Whistle and Wag Pet Insurance Team
Réponse de Whistle & Wag
Good Morning Brogan, thank you for your review. We like to keep our quote process simple to use and easy to read. We are delighted you chose Whistle & Wag.
Very easy and straight forward
Very easy and straight forward i had a look at many other insurance companies and felt this one was right for me
14 mai 2025
Réponse de Whistle & Wag
Good Afternoon Dom, Thank you for your kind review. We are happy to have you here with us at Whistle & Wag!
Quick Responce
When I asked a question via email I got a phone call 2 hours later my claim went through and I was paid out a week later so quick and efficient highley recommend
17 avril 2025
Réponse de Whistle & Wag
Good Morning Nicola, thank you for your lovely review. We always are happy to call if needed and the claims team are proud of their speedy and efficient claims process.
Sam a lovely little fellow
I have had three major problems with my bischon Sam over the past three years and each time you have been of enormous help in settling my claim. Very efficient and extremely helpful service. Thank you. Sam has gone now but you dealt with his demise in a very gentle way thank you.
17 avril 2025
Réponse de Whistle & Wag
Good Morning Jean, Thank you for your kind review and please accept our sincere condolences for your loss. We will feed this back to the team, they are always happy to help to make the claims journey a stress free experience at a difficult time.
The best company to insure your pets…
The best company to insure your pets with, I would recommend 100% recommend! Totally stress free, and very quick and responsive! Thankyou
8 avril 2025
Avis spontané
Réponse de Whistle & Wag
Good afternoon Lauren, thank you for your kind review. Our team work hard to make the claims process as easy and stress free as possible, with a quick turnaround.
Great pet insurance
Very easy to sign up to this insurer and pick the cover you want. Unfortunately I needed to claim but the process was very easy and they paid out incredibly quickly. I wanted to cancel as my pet passed away, so I sent an email and it was sorted out within 1 day.
Very impressed and I will use them again.
14 avril 2025
Avis spontané
Réponse de Whistle & Wag
Good afternoon Charlotte, thank you for your lovely review and please accept our sincere condolences for your loss. I will feed this back to the team, they work super hard for a speedy turnaround to prevent added stress at a difficult time.
Fast and easy to claim for my cat
Fast and easy to claim for my cat. Simple claims process, quick payout.
1 avril 2025
Avis spontané
Réponse de Whistle & Wag
Good Afternoon Karen, Thank you for your kind review. We will feed this back to the claims team, they work super hard for a speedy turnaround.
Excellent company
Excellent company, no surprises. Highly recommend. Will be renewing for the third year.
24 mars 2025
Avis spontané
Réponse de Whistle & Wag
Thank you for your kind review. We do our best to provide exceptional service, pay claims fast and keep premiums as low as possible year after year.
Awful experience, any excuse not to pay
My pet dog Ruby passed away end of January this year and the insurance company were awful. They have done everything not to pay us claiming pre existing condition even when our vet as they asked wrote a letter explainnit wasnt pre existing and why. They even tried to link the condition of dimemsia with some other illness which was not linked and laughable. They then advised would pay out for that but after the excess we wouldnt be getting anything. No one to speak to, just a faceless company. Wouldnt recommend. Also beware that they say they cover death of pet but so many hoops to jump through i just wouldnt bother. You have to have original purchase receipt. They dont cover pets over certain ages totally laughable
We were alway on time with payments and renewed with them wish i hadnt bothered.
Finally they took a payment for the month then cancelled policy due to passing of Ruby but no refund of that payment they had taken.
1 février 2025
Avis spontané
Réponse de Whistle & Wag
Good afternoon Bradley, I'm sorry to hear that you lost your beloved Ruby. Our assessors assess claims with the information provided by you and your vet. I have looked at your specific case. Unfortunately, I can see the problems started prior to the start date of your policy and that your vets were unable to confirm that it wasn't linked to the previous incident. It is common practice across the insurance industry not to cover signs, symptoms or conditions that existed before the policy was purchased. We also appreciate you reaching out regarding the Death Benefit. We understand how disappointing it must be to find that you were unable to make a claim. As outlined in the policy wording and similar to most other pet insurance providers, pets over the age of 8 do not qualify for the Death Benefit if they are put to sleep due to an illness. We are committed to providing high quality insurance services to all our clients. We would like to guide you to our formal complaint's procedure on our website if you remain unsatisfied - www.whistleandwag.co.uk/complaints.
Customer Service is excellent!
Customer Service is excellent!
Empty genuine!
Not rushed or pressured into anything whilst I was grieving the loss of my pet, aka family member!
Kept me up to date with my claim!
I was felt like my Billy meant something and not just another claim, and that my loss was met with sympathy, care and excellent customer service
Thank you as it meant alot during this difficult time x
26 février 2025
Avis spontané
Réponse de Whistle & Wag
Thank you for your kind review, please accept our sincere condolences for your loss. We are glad we could be there to support you through a difficult time.
Bills not fully covered
No customer service phone contacts
Bills not fully covered so ended paying huge bills for my cat and my dog
Would not recommend this company
We went to another insurance provider
10 janvier 2025
Avis spontané
Réponse de Whistle & Wag
Thank you for taking the time to share your feedback. We operate an exceptional call back service which has never missed a call. We can see you made use of this in the past and you can easily request a call back again by simply emailing info@whistleandwag.co.uk with your ideal time.
We’re sorry to hear about your disappointment with the deductions on your claim. We want to ensure you fully understand the breakdown and reasoning behind these deductions so please email us at claims@whistleandwag.co.uk and an agent will contact you straight away.
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