Legal

Wag! Guarantee Terms of Service

Wag! Service Guarantee

September 25, 2025

The Wag! Service Guarantee, which is subject to these terms and conditions (the “Guarantee Terms”), strives to protect Pet Owners from the unexpected and provide peace of mind. These Guarantee Terms apply in addition to our Terms of Service and other terms and policies applicable to the Services (the “Terms”). Unless otherwise defined in these Guarantee Terms, all capitalized terms will have the meaning set forth in the Terms.

1. The Wag! Service Guarantee.

Subject to these Guarantee Terms, Terms, and applicable policies, Wag! will step in to cover eligible costs of a Pet Owner when a Responsible Party fails to pay for certain costs or expenses arising in connection with a Service provided by a Responsible Party through the Wag! Platform related to a qualifying Pet Owner’s personal or property damage, all as specifically set forth below (the “Covered Damages”).

As used herein, “Responsible Party” means, as applicable, a person engaged by the Pet Owner via the Wag! platform, whose acts or omissions are the direct and primary cause of the Covered Damages; and “Third Party” means a person who is not the Pet Care Provider or Pet Owner involved in the incident. “Minimum Contribution” means the amount the Pet Owner must pay before being eligible for payments under the Wag! Guarantee: $200 USD.

The purpose of the Wag! Guarantee is to promote user confidence in, and increase use of, the Services. THE WAG! GUARANTEE IS NOT INSURANCE. THESE GUARANTEE TERMS ARE NOT INTENDED TO BE AN OFFER TO INSURE OR AN INSURANCE CONTRACT AND DO NOT TAKE THE PLACE OF ANY INSURANCE COVERAGE YOU MAY HAVE. TO THE EXTENT ANY WAG! USERS DESIRE PROTECTION BEYOND THE SCOPE OF THE WAG! GUARANTEE, THEY MUST PURCHASE INSURANCE THAT WILL PROVIDE SUFFICIENT COVERAGE. NO PERSON OTHER THAN THE PET OWNER WHO MEETS THE CONDITIONS OF THESE GUARANTEE TERMS WITH RESPECT TO THE CORRESPONDING COVERED DAMAGE, HAS ANY RIGHTS UNDER THESE GUARANTEE TERMS OR ANY OTHER MATERIALS OR REPRESENTATIONS REGARDING THE WAG! GUARANTEE. THERE ARE NO THIRD-PARTY BENEFICIARIES TO THE WAG! GUARANTEE TERMS OR ANY OTHER MATERIALS OR REPRESENTATIONS REGARDING THE WAG! GUARANTEE.

Pet Care Providers are solely responsible for carrying insurance to the extent necessary to comply with legal requirements in the jurisdictions where Pet Care Providers provide services. The Wag! Guarantee does not suffice for that purpose. Wag! does not verify whether Pet Care Providers have obtained insurance, and Pet Owners are advised to inquire directly with Pet Care Providers about this subject.

You must comply with all applicable requirements and conditions to be eligible for the Wag! Guarantee.

2. General Conditions, Limitations and Exclusions.

When you submit a claim for reimbursement under the Wag! Guarantee, you agree to use your best efforts to communicate honestly and transparently with Wag! (or its agents), including by promptly providing documentation or information reasonably requested by Wag! to assist with its review process (including information regarding applicable insurance, such as homeowners or renters policies). Failure to provide adequate documentation or providing fraudulent information will disqualify you from receiving any benefits under the Wag! Guarantee.

(a) The cost(s) for which you seek reimbursement must arise directly from injury or damage that occurred during a Service booked and provided through the Wag! Platform with an approved Pet Care Provider. The injury or damage must be a direct and proximate result of the Services. (This means that costs arising from injuries or damages sustained during a “meet & greet”, or off platform activity are not eligible for reimbursement.)

(b) Payment for the service during which the injury or damage occurred must be booked and completed via the Wag! Platform and must exceed, per service date: $10 USD.

(c) The injury or damage for which you seek reimbursement must have been directly and proximately caused by the acts or omissions of a Pet Care Provider.

(d) You must notify Wag! of your claim during the Service and in no event later than 72 hours following the injury or damage.

(e) Wag! will, in its discretion, first try to help Pet Owners resolve problems with Responsible Parties directly or otherwise confirm independently that the Responsible Party is unwilling or unable to pay. The Pet Owner agrees to work with Wag! in good faith to accomplish such resolution.

(f) If, during a Service, a Pet Owner instructs, authorizes or otherwise causes a Pet Care Provider to relinquish the Pet Owner's pet to a third party, injuries or damages that occur after such relinquishment are not eligible for the Wag! Guarantee.

(g) The following are excluded from the Wag! Guarantee:

· Damage or loss that is caused by, or results from the Pet Owner’s violations of Wag!’s terms of service or community guidelines.

· Pet health conditions, whether chronic or not, that exist prior to the service.

· Damage, injury or other loss arising from or related to the lack of any required vaccinations for a Pet Owner’s pet.

· Damage, injury or other loss arising from a Pet Care Provider’s care of any Third Party animal(s) alongside a Pet Owner’s pet during a Service.

· General wear and tear of personal property.

· Damage caused by the Pet Owner’s own pet.

· Pets passing due to natural causes.

· Damage, injury or other loss arising from acts of nature, such as earthquakes, hurricanes and tornadoes, or from exigencies caused by other factors beyond the parties’ reasonable control, such as (without limitation) wildfires or lack or failure of public utilities or Internet service due to external factors.

· Losses not directly caused by a Responsible Party’s acts or omissions, including without limitation consequential damages, special damages, interruption of business, lost wages, opportunity costs, loss of use, or loss associated with unauthorized access to data.

· Non-economic damages of any kind including emotional damages, sentimental value, pain and suffering, scarring, and permanent disability.

· Losses and damages covered in full by any other sources, such as payments from Pet Care Providers or insurance, including without limitation health insurance, pet insurance, homeowners insurance, or renters insurance.

· Incidents or damages caused by or related to a Pet Owner’s fraudulent or criminal activities.

(h) The Wag! Guarantee is subject to the Terms. Wag! reserves the right to deny a reimbursement request in the event that the loss, injury or damage arose, in whole or in part, from conduct by a claimant that violates the Terms, the Guarantee Terms, the Community Guidelines, or any other applicable terms or conditions of the Services.

3. Covered Damages

(a) Subject to these Guarantee Terms, the expenses eligible for reimbursement are:

a. Damages or injuries to a Pet Owner’s pet while in a Pet Care Provider’s care or control during a Service.

b. Expenses that a Pet Care Provider is legally obligated (but fails) to pay for damage to the Pet Owner’s personal property.

c. Actual, out-of-pocket medical costs directly arising from personal, physical injury to a Third Party resulting from an interaction with a Pet Owner’s pet while under the care of a Pet Care Provider during a Service, where, in Wag!’s sole reasonable discretion, such injury would give rise to a valid legal claim against the Pet Owner.

(b) Additional Conditions and Limitations.

a. Within 7 days following the incident giving rise to your claim, you must submit written documentation sufficient to substantiate your claim. The documentation should provide any and all information to support your claim. Wag! may, in its sole discretion, require additional documentation to verify your claim.

i. For claims relating to pet injuries, the documentation must include documents from a board-certified practicing veterinarian that (a) specifies the costs incurred for which reimbursement is sought, (b) states the diagnosis and confirms that the injury did not result from any excluded causes listed below, (c) confirms that the injury occurred during the time period of the Services, and (d) provides any other information that we reasonably request.

ii. For claims relating to property damage, the documentation must include clear photographs of the claimed damage, proof of ownership, receipts or other reliable evidence of fair market value, replacement cost, and/or repair cost,

b. The damage or injury must have occurred during a Service while under the direct care of a Pet Care Provider.

c. Only costs actually incurred as within 30 days following the date of, and as the result of, the damage or injury are eligible for reimbursement.

d. Reimbursement for pet injury is subject to a lifetime limit of $25,000 USD. Reimbursement for property damage is subject to a lifetime limit of $100,000 USD.

e. Reimbursement for property damage or loss will not exceed the lesser of the cost of replacement or the cost of repair, at Wag!’s sole discretion.

f. The Minimum Contribution is required per request and must be paid to establish eligibility for reimbursement under this policy. Requests for reimbursement that do not exceed the Minimum Contribution are not eligible reimbursement under this policy.

a. Costs incurred more than 30 days following the date of injury or damage, including without limitation any long-term care costs resulting from the injury.

b. Costs or liabilities arising from a Pet Owner’s refusal to authorize medical care for his or her own pet.

c. Damage caused by the Pet Owner’s pet(s).

d. Injuries resulting from a pet’s contraction of fleas, ticks, worms, parasites, or other fecal bacterial or protozoan infections during a Service (or a recurrence of a parasite issue first contracted prior to a Service).

e. Damage or injury related to (or from a recurrence of) pre-existing conditions or conditions symptomatic or treated before the Service, which include any disease or condition, whether or not diagnosed, that affected a pet prior to the Service, including without limitation urinary tract/bladder infections, blood disorders, periodontal/dental disease, gastrointestinal disorders, allergies, heart disease, cancer, or epilepsy. This is not a complete or exhaustive list of such conditions.

f. Damage or injury related to breed-specific conditions, which includes conditions that frequently occur or are common in particular pet breeds, such as brachycephalic syndrome (common in bulldogs, french bulldogs, pugs, chow chows, boston terriers and others), hip and/or elbow dysplasia (common in afghan hounds, beagles, border collies, chow chows, golden retrievers, german shepherds, great danes, labrador retrievers, and others), hypothyroidism (common in bulldogs, border collies, boston terriers, poodles, great danes, and standard schnauzers and others, especially large breeds), intervertebral disc disease (IVDD) and other disc issues (common in beagles, bulldogs, chihuahuas, corgis, dachshunds, french bulldogs, pomeranians, poodles, yorkshire terriers, and others including cats), patellar luxation (common in boston terriers, cavalier king charles, chihuahuas, pomeranians, poodles, yorkshire terriers, persians, and others, especially small breeds), gastric dilatation and volvulus, (bloat) (common in great danes, german shepherds, st. bernards, labrador retrievers, irish wolfhounds, great pyrenees, boxers, weimaraners, collies, standard poodles, and others), prolapsed third eyelid, otherwise known as cherry eye (common in boston terriers, cocker spaniels, bulldogs, beagles, and others), hypertrophic cardiomyopathy (common in maine coons, ragdolls, bengals and others), and polycystic kidney disease (common in persians, himalayans, ragdolls, exotic shorthairs and others). This is not a complete or exhaustive list such conditions.

g. Damage or injury related to (or from a recurrence of) chronic conditions, which include illnesses or conditions that are persistent or otherwise have long-lasting effects and generally cannot be prevented by vaccines or cured by medication, such as, allergies, anxiety or behavior disorders, dermatitis/hot spots, ear infections, cancer, diabetes, IBD (inflammatory bowel disease), anal gland impaction/infection, Addison's disease, cardiac disease, Cushing’s disease, dry eyes (KCS), epilepsy, glaucoma, hypothyroidism or hyperthyroidism, lipomas and skin masses, renal disease, and urinary or bladder crystals or blockage. This is not a complete or exhaustive list of chronic conditions.

h. Damage or injury related to (or from a recurrence of) orthopedic conditions, typically characterized as conditions related to the musculoskeletal system and any associated muscles, joints, and ligaments, such as arthritis, IVDD & cruciate ligament tears, bicipital tenosynovitis, degenerative joint disease (DJD), elbow dysplasia, hip dysplasia, fragmented medial coronoid process of the ulna (FMCP), orthopedic illness or injury on the opposite side of a prior injury, osteochondrosis (OCD), osteosarcoma and other orthopedic cancers, patellar luxation, and ununited anconeal process (UAP). This is not a complete or exhaustive list of orthopedic conditions.

i. Damage or injury related to (or from a recurrence of) illnesses of undetermined or undeterminable cause, which includes any condition for which the cause is undetermined or any condition that amounts to a “diagnosis of exclusion,” such as autoimmune conditions, pancreatitis, colitis, anxiety or stress-related symptoms, cardiac disease, urinary tract infections, respiratory infections (including Bordetellosis (“kennel cough”), Distemper, influenza, Feline Herpesvirus), conjunctivitis, Hepatic Lipidosis, gastrointestinal disorders (including vomiting, diarrhea, hemorrhagic gastroenteritis, Canine parvovirus infection (“Parvo”)), any form of cancer and Immune Mediated Hemolytic Anemia. This is not a complete or exhaustive list of such illnesses.

j. Damage or injury related to (or from a recurrence of) preventable illnesses, which includes conditions that could have been prevented by vaccination or normal veterinary care, such as Rabies, Parvo, Leptospirosis, distemper, Adenovirus, Parainfluenza, Enteric Coronavirus, Canine Influenza, Lyme disease, Bordetellosis (“kennel cough”), Heartworm disease, Intestinal worms, Mange, and Staphylococci. This is not a complete or exhaustive list of preventable illnesses.

k. Damage or injury related to (or from a recurrence of) Proptosis, which is displacement of an eye out of the eye socket, typically occurring following trauma to the head.

l. Costs or expenses resulting from a pet’s pregnancy, illness, or recurrence of illness, or for preventative care.

m. Pet welfare or lifestyle expenses (such as professional training, grooming, boarding, pet food, etc.).

n. Damage to property of the Pet Care Provider (or anyone related to, living with or providing care on behalf of the Pet Care Provider).

o. Damage related to ordinary wear and tear.

p. Damage or injury due to intentional or criminal acts, including fraud, theft, or assault.

q. Any form of automotive vehicle damage, including without limitation automobile, aircraft or watercraft.

r. Damage or loss related to currency, money, precious metal, securities or negotiable instruments.

s. Damage or loss related to crops, timber, or other natural or cultivated features of the land.

t. Damage or loss related to food, consumables and other perishables.

u. Damage or loss related to fine art, high-value collectibles, or heirlooms, including, but not limited to, paintings, etchings, printed phoTerms, pictures, tapestries, rare or art glass, art glass windows, valuable rugs, statuary, sculptures, antique furniture, antique jewelry, bric-a-brac, porcelains, coins, stamps, other collectibles, collections, furs, jewelry, precious stones, analog film or audio recordings, negatives, records, manuscripts, drawings, and other similar property of rarity or historical, archival, or sentimental value.

v. Damage or loss related to electronic data, such as audio or video recordings, photographs, drawings, records, manuscripts, data, information, files, facts, programs or other materials stored in digital or electronic format, whether in computer software, systems application software, disk, CD-ROM, tapes, drives, cells, data processing devices, cloud storage, or any other media.

w. Costs, expenses or damages based on a Pet Care Provider’s assumption of liability in a contract or written agreement with Pet Owner.

x. Costs, expenses or damages based on defamation, intellectual property infringement, advertising, or other personal injury claims.

y. Damages for emotional distress or “pain and suffering”, loss of wages, changed or canceled travel plans, or any other incidental expenses.

4. Miscellaneous.

(a) By making a claim for reimbursement, Pet Owner agrees to produce or make available for inspection, at such reasonable times and places as may be designated by Wag! or any claims administrator or agent thereof, all evidence of loss, damage, cost, ownership or other reasonably requested information. Notwithstanding the foregoing, Wag! will have no liability to Pet Owners because of any inspection or failure to inspect.

(b) Wag!, in its sole discretion, may condition any payment under the Wag! Guarantee on execution of an agreement, which may include, among other terms, a release of claims against Wag! or any other applicable party and confidentiality obligations.

(c) Only amounts in excess of any insurance coverage or insurer payment are eligible for reimbursement under the Wag! Guarantee. Wag! reserves the right to offset or deduct from amounts payable to you any amounts it may have or obtain from any other person or entity obligated to compensate for Covered Damages. Wag! and/or Wag!’s insurers have the right to subrogate against any person or entity allegedly responsible for causing the losses in question, even if that person or entity is you. You hereby agree that, in connection with any payments made under the Wag! Guarantee, you will cooperate fully with Wag! in its efforts at subrogation.

(d) Except as prohibited by law, Wag! may modify or terminate the Wag! Guarantee at any time, and such modification or termination will apply to incidents occurring after the effective date of the modification or termination. Wag! also reserves the right to modify the Wag! Guarantee to the extent required to comply with applicable law. In addition, you acknowledge and agree that all benefits made available to you under the Wag! Guarantee shall immediately terminate in the event you initiate any action, suit or claim against Wag!, or its officers, directors, employees, contractors, agents, or affiliates, concerning a claim otherwise subject to reimbursement under these Guarantee Terms.

(e) Wag!’s failure to enforce any right or provision of these Guarantee Terms does not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Wag!.

(f) You acknowledge and agree that any claims arising from or in relation to the Wag! Guarantee or these Guarantee Terms are subject to the Terms, including the Limitation of Liability set forth in the Terms. You further acknowledge and agree that any dispute or claim relating in any way to the Wag! Guarantee will be adjudicated in accordance with the applicable manner set forth in the Terms, including without limitation Section 22 of the Terms regarding Arbitration.