Wagmo

Wagmo

Pet insurance and preventive wellness plans

Overview

Wagmo provides pet insurance and wellness plans for cats and dogs through wagmo.io. Its wellness plans reimburse preventive care and routine expenses like vet visits and grooming, plus 24/7 telemedicine, totaling over $1,100 in annual reimbursements. Its insurance plans protect against unexpected events and can cover up to 100% of costs in some states after deductibles, with coverage underwritten by National Specialty Insurance Company while Wagmo handles sales and service as a licensed agency. Wagmo differentiates itself by offering combined preventive and emergency coverage and by using partnerships to reach more pet owners, with the goal of making routine and unexpected veterinary costs easier to manage.

About Wagmo

Simplify's Rating
Why Wagmo is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Healthcare

Company Size

51-200

Company Stage

Early VC

Total Funding

$24.4M

Headquarters

New York City, New York

Founded

2017

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Simplify's Take

What believers are saying

  • July 14, 2026 Curql investment gives Wagmo fresh capital and credit union distribution.
  • February 24, 2026 Fi partnership adds GPS tracking and health-monitoring upsells for members.
  • Wagmo's 2025 bswift launch and 2026 rebrand match employers buying pet benefits now.

What critics are saying

  • BBB logged 12 complaints in three years; service friction can poison employer renewals.
  • Nationwide, MetLife, and Spot crush distribution and pricing in pet insurance by 2027.
  • If bswift and Curql stall, Wagmo lacks a consumer brand and faces extinction.

What makes Wagmo unique

  • Wagmo bundles pet insurance, wellness reimbursements, and 24/7 televet into one employer benefit.
  • Christie Horvath built Wagmo in 2017 as the only female-founded pet healthcare company.
  • Wagmo embeds inside bswift and Curql channels, reaching 16 million lives and 160 credit unions.

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Funding

Total Funding

$24.4M

Above

Industry Average

Funded Over

3 Rounds

Early VC funding comparison data is currently unavailable. We're working to provide this information soon!
Early VC Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Parental Leave

401(k) Retirement Plan

Company Equity

Pet Insurance

Company Social Events

Growth & Insights and Company News

Headcount

6 month growth

3%

1 year growth

-3%

2 year growth

1%
HealthTech HotSpot
Jul 14th, 2026
Wagmo and Curql announce strategic investment, bringing modern pet healthcare to the credit union movement.

Wagmo and Curql announce strategic investment, bringing modern pet healthcare to the credit union movement. NEW YORK-(BUSINESS WIRE)-Wagmo, the modern pet healthcare platform, and Curql, a collective of more than 160 credit unions jointly investing in fintech, today announced a strategic investment by Curql in Wagmo. The investment reflects growing demand within the credit union industry for benefits that support the full financial reality of employees and members, including the rising cost of pet care. Curql's backing of Wagmo reflects real demand from an industry built around taking care of people. For Wagmo, the relationship opens a new channel to bring pet insurance, wellness reimbursements and 24/7 virtual veterinary care to credit unions and their members across the country. "Pets have gone from afterthought to family. Benefits are finally catching up," said Christie Horvath, founder and CEO of Wagmo. "Credit unions recognize that taking care of their teams and members means taking care of their family members, four-legged and two. We're proud to have the industry behind us as we work to make extraordinary pet care accessible to more people." "Curql invests in companies that strengthen credit union members' financial well-being," said Nick Evens, president and CEO of Curql Collective. "With more pets than children in American households today, families can face significant financial strain when their four-legged members need care. We're proud to back Wagmo, which makes pet care simpler and more affordable while thoughtfully positioning itself as both a direct member benefit and a meaningful employee benefit." Wagmo's pet healthcare plans now reach more than 5 million employees across 19,000+ employer groups. With Curql's backing, Wagmo plans to build on that momentum and bring pet healthcare to even more employees and the pets they go home to. About Wagmo Wagmo is a New York City-based pet healthcare benefit provider trusted by leading employers. With a goal to unlock every pet parent's potential to provide extraordinary care, Wagmo is committed to improving the lives of pets and their owners. Wagmo was founded in 2017 and is the only female-founded and operated pet healthcare company in the market. Visit HealthTech HotSpot LLC at Wagmo.io or follow HealthTech HotSpot LLC on LinkedIn to learn more. About Curql Curql Collective is a fintech investment ecosystem built by credit unions, for credit unions. With the backing of over 160 progressive credit unions, Curql invests in and accelerates the development of fintech solutions that empower credit unions to better serve their members and stay competitive. Curql Fund II closed in 2025 at $360 million (the largest credit union-led fintech fund ever), following the success of Fund I ($252 million closed in 2021). Through Curql Fund I, Curql Fund II, and Curql Accelerate, the collective has partnered with over 50 fintech companies to bring transformative technologies directly to the credit union movement. Together, HealthTech HotSpot LLC is creating opportunities for growth, enhancing member experiences, and driving meaningful change across the industry.

StreetInsider
Jul 14th, 2026
Wagmo secures strategic investment from Curql to expand pet healthcare to credit unions

Wagmo, a pet healthcare platform, has received a strategic investment from Curql, a collective of over 160 credit unions investing in fintech. The partnership will enable Wagmo to expand its pet insurance, wellness reimbursements, and 24/7 virtual veterinary care services to credit unions nationwide. Wagmo currently serves more than 5 million employees across 19,000+ employer groups. The investment reflects growing demand for benefits addressing pet care costs, particularly relevant as American households now have more pets than children. Curql Fund II closed in 2025 at $360 million, making it the largest credit union-led fintech fund. Combined with Fund I's $252 million raised in 2021, Curql has partnered with over 50 fintech companies. Wagmo, founded in 2017, is the only female-founded and operated pet healthcare company in the market.

Business Wire
May 6th, 2026
Christie Horvath of Wagmo named Entrepreneur Of The Year(R) 2026 New York finalist by EY US.

Christie Horvath of Wagmo named Entrepreneur Of The Year(R) 2026 New York finalist by EY US. EY US celebrates ambitious entrepreneurs shaping the future of business NEW YORK-(BUSINESS WIRE)-Christie Horvath, CEO and founder of Wagmo, has been named a finalist for the Entrepreneur Of The Year 2026 New York Award by Ernst & Young LLP (EY US). Now in its 41st year, the Entrepreneur Of The Year program celebrates the bold leaders who disrupt markets through the world's most ground-breaking companies, revolutionizing industries and uplifting communities. The program honors entrepreneurs whose innovations drive economic growth and help shape the future of business. Christie Horvath, CEO and founder of Wagmo, has been named a finalist for the Entrepreneur Of The Year 2026 New York Award by Ernst & Young. Share An independent panel of judges selected Horvath among 33 finalists based on their entrepreneurial spirit, purpose, company growth and lasting impact in building long-term value. "For a long time, pet benefits meant a brochure in the break room," says Horvath. "We built Wagmo to give employees a pet healthcare solution built with the same intentionality as human healthcare, empowering pet parents to provide extraordinary care. Being named an EY Entrepreneur Of The Year finalist is an honor I share with the Wagmo team, our employer partners, and the members we're building this for." Founded in 2017 by Horvath, Wagmo is the modern pet healthcare platform trusted by leading employers. The company offers pet insurance, standalone wellness plans, 24/7 virtual vet access (VETalk), and member perks in a single platform distributed through employer benefits and direct-to-consumer channels. Under Horvath's leadership, Wagmo now provides access to more than five million employees across more than 19,000 employer groups. The company was named to the Inc. 5000 list of Fastest Growing Private Companies in 2025. Entrepreneur Of The Year honors business leaders for their ingenuity, courage and entrepreneurial spirit. The program celebrates original founders who bootstrapped their business from inception or who raised outside capital to grow their company, transformational CEOs who infused innovation into an existing organization to catapult its trajectory, and multigenerational family business leaders who reimagined a legacy business model to strengthen it for the future. This year's New York finalists represent New York and Connecticut across all industries, including technology, consumer products, manufacturing, finance, life sciences and more. Regional award winners will be announced on June 16 during a special celebration in Manhattan and will become lifetime members of an esteemed community of Entrepreneur Of The Year alumni from around the world. The winners will then be considered by the national judges for the Entrepreneur Of The Year National Awards, which will be presented in November at the annual Strategic Growth Forum(R), where high-growth CEOs, Fortune 1000 executives and investors converge to shape the future of business. Sponsors Founded and produced by Ernst & Young LLP, the Entrepreneur Of The Year Awards include presenting sponsors PNC Bank, Cresa, LLC, Marsh USA, SAP, and the Ewing Marion Kauffman Foundation. In New York, sponsors also include regional Platinum sponsor Donnelley Financial Solutions (DFIN), regional Gold sponsors ADP and DLA Piper, and regional Silver sponsor Stagedge. About Entrepreneur Of The Year(R) Founded in 1986, Entrepreneur Of The Year(R) has celebrated more than 11,000 ambitious visionaries who are leading successful, dynamic businesses in the US, and it has since expanded to nearly 80 countries and territories globally. The US program consists of 17 regional programs whose panels of independent judges select the regional award winners every June. Those winners compete for national recognition at the Strategic Growth Forum(R) in November where national finalists and award winners are announced. The national overall winner represents the US at the World Entrepreneur Of The Year(R) competition. Visit ey.com/us/eoy. About Wagmo Wagmo is a New York City-based pet healthcare benefits platform trusted by leading employers. With a goal to unlock every pet parent's potential to provide extraordinary care, Wagmo is committed to improving the lives of pets and their owners. Wagmo was founded in 2017 and is the only female-founded and operated pet healthcare company in the market. Visit us at Wagmo.io or follow us on LinkedIn to learn more. About EY EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets. Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories. All in to shape the future with confidence. EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients. Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available via ey.com/privacy. EY member firms do not practice law where prohibited by local laws. For more information about our organization, please visit ey.com.

bdtonline.com
Nov 3rd, 2025
Wagmo Partners with bswift to Bring Pet Healthcare Benefits to Millions of Employees

Wagmo partners with bswift to bring pet healthcare benefits to millions of employees. Wagmo, the pet healthcare benefit trusted by leading employers, today announced a new partnership with bswift LLC, a leading innovator in employee benefits technology and administration serving more than 16 million lives nationwide. Beginning November 3, 2025, employers using bswift can choose to offer Wagmo pet healthcare benefits, including Wagmo wellness, insurance, and VETalk - a 24/7 televet service - with exclusive discounted pricing. Through this collaboration, bswift customers will be able to offer employees affordable access to Wagmo's pet wellness plans, which reimburse everyday pet care like annual exams, vaccines, grooming, and more, along with 24/7 televet support and discounts on services like pet sitting and medication. Built directly into the bswift platform, Wagmo makes it easy for employers to add meaningful, modern pet benefits into their total rewards packages. bswift clients will also receive a discount off retail rates, ensuring affordable access for their employees. Pet benefits are quickly becoming essential for employers. According to the American Pet Products Association, nearly 70 percent of U.S. households own a pet, and U.S. Census data shows that more families today include a pet than children under 18. In the workplace, a 2024 Wagmo survey found that 75 percent of employees miss time each year for pet care and 65 percent say pet benefits are important when considering a job offer. For employers, the payoff is clear: 94 percent of Wagmo members say they would be disappointed if the benefit went away, and 87 percent report it makes them more loyal to their company. By partnering with bswift, Wagmo is making it easier for employers to deliver benefits that employees value and use every day. "By embedding Wagmo pet healthcare benefits directly into the bswift platform, we can support even more pet parent employees across the country," said Christie Horvath, CEO of Wagmo. "Everyday pet care is an important part of family life, and we're proud to help employers strengthen retention and engagement with benefits that truly matter to their people, delivered seamlessly through their bswift experience." "bswift is excited to partner with Wagmo," said Sharon Morrissey, Senior Vice President of Channel and Integration Partnerships at bswift. "Together, we will make it even easier for employees to access meaningful benefits that support the health and happiness of their pets." Wagmo's integration with bswift ensures a seamless experience for employers and employees alike. For employers, it's a simple way to differentiate their benefits packages with a solution employees love and use often. For employees, it's a chance to save money and stress while keeping their pets healthy through everyday care. For more information about Wagmo's comprehensive pet healthcare benefits, visit: wagmo.io/business. About Wagmo Wagmo is a New York City-based pet healthcare benefit provider trusted by leading employers. With a goal to unlock every pet parent's potential to provide extraordinary care, Wagmo is committed to improving the lives of pets and their owners. Wagmo was founded in 2017 and is the only female-founded and operated pet healthcare company in the market. About bswift bswift LLC is a leading provider of cloud-based benefits technology and employee engagement solutions. Known for continuous innovation and our people-first culture, we enable clients to deliver rewarding experiences that maximize engagement, simplify benefits navigation, and optimize utilization. Our flexible, highly scalable platform offers personalized online enrollment, interactive decision support, AI-infused benefits support, ACA compliance reporting, and custom communications. Discover more at bswift.com. View source version on businesswire.com:https://www.businesswire.com/news/home/20251103401419/en/ Wagmo bswift

Coverager
May 3rd, 2024
Wagmo Partners With Rover

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