I’ve been with Waggle and they have been good with the claims I’ve had to put. The only time I had an issue was when we didn’t have the preauthorisation for the procedure.
If we had preauthorisation then everything went very smooth
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Same.
I am currently in a tangle with Waggel after 3 claims were refused and then denied after I called a review for each. The medical history evidence is clearly not in their favour but they’ve not budged. So Financial Ombudsman complaints have been filed… Highly not recommended, avoid at all costs 
They’ve also just raised the premium by over 50% compared to last year too.
(PetPlan - which is the insurance I had before Waggel IS more expensive, but the upsides are a frictionless claim system through approved vets. I’ll be switching back as soon as I can dewaggel)
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I’ve got LV which was pretty frictionless the one time I’ve claimed. All done by vets.
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Well I guess I might have to move out from Waggle by the sounds of it 
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Any good referral bonuses for pet insurance about?
I’ll check topcashback and Quidco but sometimes get better otherwise.