Frequently Asked Questions
About Waffle
What products do you sell?
We currently sell life and pet insurance. More products are being integrated and will launch soon!
Why can't I choose a different type of product?
We’ve selected what we believe are the best products on the market. This saves you some hard work.
Each product was chosen based on the breadth of its coverage (first and foremost), its pricing, and its relevant partners.
Each product was chosen based on the breadth of its coverage (first and foremost), its pricing, and its relevant partners.
Why can I find a different product for less somewhere else?
While price was a factor in choosing the products we offer, it wasn’t the only one.
Above all, we want insurance to cover you whenever bad things happen. That means breadth and type of coverage was our key focus.
Above all, we want insurance to cover you whenever bad things happen. That means breadth and type of coverage was our key focus.
Why is a particular product not available to me?
Waffle is licensed to sell insurance throughout the US.
Unfortunately, some of the products we sell are still being approved in select states. We’re hoping it happens ASAP.
Unfortunately, some of the products we sell are still being approved in select states. We’re hoping it happens ASAP.
How does Waffle make money?
As an insurance agent, Waffle receives commission, which is just a percentage of the insurance premiums charged by our individual products. It’s the standard approach in our industry. By using Waffle, you’re absolutely not being charged more than you would elsewhere (that wouldn’t be allowed by industry regulators).
You're also not charged for accessing the Waffle app.
You're also not charged for accessing the Waffle app.
Do I have to download the Waffle app?
Yes. You’ll need the app to both pick and manage your policies.
Where does the name Waffle come from?
Insurance today is siloed. You have separate car, home, health, and life products. Waffle fills in those gaps. Whenever we used to draw this idea on a whiteboard, it always ended up looking like a Waffle.
It also doesn’t hurt that one of the founders is Belgian.
It also doesn’t hurt that one of the founders is Belgian.
Pet Insurance
Why did you choose to partner with ASPCA® Pet Health Insurance?
One of our founders has a dog called Jorah. When he was searching for insurance, the product he found that impressed him most was offered by the ASPCA® Pet Health Insurance program. The coverage isn’t just broad, it’s supported by an organization we admire.
Why does my Policy show ASPCA® and Crum and Forster?
Waffle partners with the ASPCA® Pet Health Insurance program to offer its pet products.
These products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc., a Crum & Forster company.
These products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc., a Crum & Forster company.
What’s the difference between Accident and Accident & Illness?
Accident coverage helps you care for your pet when they get hurt due to an accident. This might include injuries like torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and ingestion of toxins.
Illness, on the other hand, covers the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections.
Illness, on the other hand, covers the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections.
What’s Wellness?
It’s always best if your pets don't get sick in the first place. Wellness, sometimes called Preventative Care, covers actions that will help keep your pet healthy. This might include vaccines, flea and tick medication, heartworm preventative, and dental cleanings that help stop your pet from getting sick.
While Preventative Care comes with a small additional monthly cost, there are no co-pays or deductibles associated with this protection. Each service does have a maximum annual reimbursement, however.
While Preventative Care comes with a small additional monthly cost, there are no co-pays or deductibles associated with this protection. Each service does have a maximum annual reimbursement, however.
How do I submit a claim?
We hope you never have to!
If the worst does happen, click on Something Bad Happened on the Waffle home screen and then click through on Pet. You’ll be taken to the ASPCA Pet Health Insurance program member center where you can submit your claim.
If the worst does happen, click on Something Bad Happened on the Waffle home screen and then click through on Pet. You’ll be taken to the ASPCA Pet Health Insurance program member center where you can submit your claim.
I just signed up. How quickly can I claim?
Accident & Illness have a 14-day waiting period after you buy a policy. Conditions that occur or show symptoms before coverage begins, or during the waiting period, are considered pre-existing and are excluded from coverage.
Preventive Care coverage starts the day after you sign up.
Preventive Care coverage starts the day after you sign up.
Why is there a transaction fee?
To be honest, that one really annoys us. Our partner charges a fee for paying on a monthly basis.
We’ll soon be offering the option to pay annually, which will remove the fee.
We’ll soon be offering the option to pay annually, which will remove the fee.
What if my pet is already sick?
Unfortunately, pre-existing conditions aren’t covered.
This doesn’t mean that the condition can’t be covered in the future, though. A curable injury or illness that is free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions.
This doesn’t mean that the condition can’t be covered in the future, though. A curable injury or illness that is free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions.
What's excluded from coverage?
Unfortunately, certain things aren't covered.
These include pre-existing conditions, cosmetic procedures, and breeding costs. A full list of exclusions can be found on our page dedicated to sample policies.
These include pre-existing conditions, cosmetic procedures, and breeding costs. A full list of exclusions can be found on our page dedicated to sample policies.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions, see sample ASPCA® Pet Health Insurance policies. Preventive care reimbursements are based on a schedule. Accident & illness reimbursements are based on an invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.
Life Insurance
What type of life insurance do you offer?
We offer a term life insurance policy.
A term life Insurance product provides coverage for a defined period of time. For example, if you buy a 10-year term life insurance product and you (sadly) die within those 10 years, your beneficiary (who you can choose) will be paid.
Luckily, your policy can be renewed at the end of its term.
A term life Insurance product provides coverage for a defined period of time. For example, if you buy a 10-year term life insurance product and you (sadly) die within those 10 years, your beneficiary (who you can choose) will be paid.
Luckily, your policy can be renewed at the end of its term.
Do I need a medical exam?
Nope! All you have to do is answer some questions about your health history.
(Issuing the policy or paying its benefits depends on an applicant’s insurability, based on their answers to the health questions in the application and their truthfulness.)
(Issuing the policy or paying its benefits depends on an applicant’s insurability, based on their answers to the health questions in the application and their truthfulness.)
Will my premium change over the term of the policy?
Nope! You’ll pay the same premium throughout the entire term.
What happens if I get a terminal illness?
Your policy includes an accelerated death benefit clause.
If you become terminally ill, you can request an advance of your policy’s death benefit while you're still alive.
If exercised, an administrative fee will be charged.
If you become terminally ill, you can request an advance of your policy’s death benefit while you're still alive.
If exercised, an administrative fee will be charged.
Why did you choose to partner with Haven Life Insurance Agency?
Anyone that’s had to complete a medical exam for insurance knows how annoying it can be. Two of Waffle’s founders abandoned getting life insurance because of appointment-scheduling issues, and we know we aren’t alone.
Haven Life offers a no-medical-exam product that immediately stood out to us. It's also issued by C.M. Life Insurance Company, which is a subsidiary of MassMutual.
Haven Life offers a no-medical-exam product that immediately stood out to us. It's also issued by C.M. Life Insurance Company, which is a subsidiary of MassMutual.
Why can't I sign up directly from the Waffle app?
Unfortunately, this is the only integration currently available for the product.
We’re working with our partner to change things though, as strive to bring you a seamless customer experience.
We’re working with our partner to change things though, as strive to bring you a seamless customer experience.
Who underwrites the policy?
The policy is issued by C.M Life Insurance Company, a subsidiary of MassMutual.
Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
Travel Insurance
What does trip cancellation cover?
Our standard trip cancellation benefit may provide reimbursement for your covered travel expenses when you need to cancel for an unforeseen covered reason, including but not limited to sickness or death of you, a traveling companion, a business partner, or a family member, as well as for jury duty, court ordered legal appearance, or another reason caused by inclement weather.
Your travel expenses must be unused, prepaid and non-refundable. The maximum coverage limit is up to the trip cost paid, or up to the limit of the selected plan, whichever is less.
Your travel expenses must be unused, prepaid and non-refundable. The maximum coverage limit is up to the trip cost paid, or up to the limit of the selected plan, whichever is less.
What counts as a work reason?
Canceling for work reasons may allow you to get reimbursed for travel arrangements when work as a full time employee interferes with your trip. Reimbursable expenses must be unused, prepaid, and non-refundable.
Possible work reasons can include requirement to work during a planned vacation, transfer to another city, a merger/acquisition, or interruption of company operations due to disaster or bankruptcy. Work related benefits don’t apply to self-employed individuals or business entity owners, such as partners of a partnership.
Possible work reasons can include requirement to work during a planned vacation, transfer to another city, a merger/acquisition, or interruption of company operations due to disaster or bankruptcy. Work related benefits don’t apply to self-employed individuals or business entity owners, such as partners of a partnership.
What's covered by financial default?
This protection may kick in during a complete cessation of travel services due to bankruptcy or financial default of your airline, cruise line, or tour operator.
This coverage does not apply to the bankruptcy or default of any organization through which you purchased your travel arrangements. The maximum coverage limit is up to the trip cost paid, or up to the limit of the selected plan, whichever is less.
This coverage does not apply to the bankruptcy or default of any organization through which you purchased your travel arrangements. The maximum coverage limit is up to the trip cost paid, or up to the limit of the selected plan, whichever is less.
What does trip interruption cover?
Trip interruption may provide reimbursement for unused, prepaid vacation arrangements and additional transportation costs when your trip is cut short for some unforeseen covered reason, including by not limited to, accident, sickness, or death of you, a traveling companion, business partner, or family member, as well as for jury duty, court ordered legal appearance or another reason caused by inclement weather.
What counts as a trip delay?
To qualify, your trip needs to be delayed by more than 6 hours for one of the listed covered reasons. You may be covered for expenses incurred up to your daily benefit limit for unused, pre-paid expenses resulting from a trip delay.
Coverage may be provided for additional local transportation expenses, reasonable accommodations, meal expenses, and non-refundable trip payments for the unused portions of your trip.
Coverage may be provided for additional local transportation expenses, reasonable accommodations, meal expenses, and non-refundable trip payments for the unused portions of your trip.
I missed my connection. Am I covered?
If you miss your trip departure because your arrival at your trip destination is delayed for 3 or more hours, for a covered reason (including but not limited to documented weather condition or common carrier delay), this benefit may provide coverage for unused, pre-paid expenses resulting from that missed connection.
Coverage may also be provided for additional transportation expenses and non-refundable trip payments for the unused portions of your trip.
Coverage may also be provided for additional transportation expenses and non-refundable trip payments for the unused portions of your trip.
What does Emergency Medical Evacuation and Repatriation of Mortal Remains cover?
Emergency Medical Evacuation may pay up to the plan benefit maximum if it is determined that transportation to a higher level of care for treatment is medically necessary, in case you get sick or injured on the trip.
In the event of a tragedy, Repatriation of Mortal Remains may also pay up to the plan benefit maximum for your mortal remains to be returned home.
In the event of a tragedy, Repatriation of Mortal Remains may also pay up to the plan benefit maximum for your mortal remains to be returned home.
What does Political and Security Evacuation cover?
Political and Security Evacuation may cover transportation to the nearest safe haven in the event of a political or security event.
If my baggage is delayed, what is covered?
In case your bags get delayed for 12 hours or more, you may be reimbursed up to your plan limit for the purchase of necessary clothing and personal items after your arrival at your destination.
What's the Pre-Existing Medical Conditions Waiver?
If you purchase your policy within 21 days of your initial trip deposit, insure your entire trip cost, the booking for this trip is your first and only booking for the same time period/destination, and you are not disabled from travel at the time of purchase, you may be eligible for trip cancellation/interruption coverage, as well as medical coverage relating to a pre-existing medical condition affecting you, your legal spouse (or common-law spouse, where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, domestic partner, caregiver, or child caregiver.
Why did you choose RoamRight?
We wanted a broad, premium policy that helps protect you when things go wrong. Of all the policies we reviewed, RoamRight emerged as the best fit.
What happens if I can’t go because of COVID?
Trip Cancellation and Interruption benefits may provide coverage for you, a traveling companion, either of your family members, or a business partner’s covered sickness, including COVID-19, when certified by a physician as rendering you unable to travel. The sickness needs to occur before your trip departure date and require medical treatment.
The RoamRight mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto . Plans are sold by Waffle Labs Inc. a licensed travel insurance producer (CA License #19616406, TX License #19616406). Certain policy terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://partner.roamright.com/disclosures
Cyber Insurance
Why did you choose to partner with Chubb?
Chubb is the the best possible Cyber Insurance partner we could find. The company has over 20 years of experience providing their product, longer than most of us have had a computer. It’s also the world’s largest publicly traded property and casualty insurer, part of the S&P 500, with over $181 billion in assets(1).
How do I submit a claim?
We hope you never have to!
If the worst does happen, click on Something Bad Happened on the Waffle home screen and then click through on Cyber. You’ll be taken to Chubb where you can submit your claim.
If the worst does happen, click on Something Bad Happened on the Waffle home screen and then click through on Cyber. You’ll be taken to Chubb where you can submit your claim.
How do I add people to my shared world?
This part will be integrated into the quote process itself. You can also contact us via the chat function to make any changes.
Will I be covered if my bank, or another financial institution, is hacked?
No. This type of event will not be covered by your policy, since you haven’t been hacked directly. The bank or financial institution will be responsible for the reimbursement of your lost funds.
Will this policy cover a deceptive transfer that is initiated over the phone or in person?
[To Confirm - The policy language implies that it will]
Renters Insurance
How much Contents Insurance should I get?
The amount of coverage you need should be based on the total value of your possessions. Before you get Contents Insurance, it’s super helpful to put together an inventory of all your belongings with an estimate of their value. It’s also worthwhile to take photos of everything.
The average two-bedroom apartment has around $36K of contents(1), but that figure can vary significantly (especially if you hoard vintage trading cards). People tend to underestimate the total value of the things they own.
The average two-bedroom apartment has around $36K of contents(1), but that figure can vary significantly (especially if you hoard vintage trading cards). People tend to underestimate the total value of the things they own.
How much Liability Coverage should I get?
This is a little harder to gauge than your Contents coverage estimate. A typical Renter’s Insurance policy will include $100,000 of liability coverage, which prepares most renters for standard liability exposure.
Our product’s coverage goes up to $300,000 though, in case you’re looking for greater piece of mind.
Our product’s coverage goes up to $300,000 though, in case you’re looking for greater piece of mind.
Are my computer and phone covered?
Absolutely; all your electronic devices are covered. They’re still subject to certain limits, though ($500 in the base policy). If you have a particularly valuable computer or phone, it’s a good idea to add them as separate, named items.
Are my things covered even while outside my home?
Yup. Coverage for personal property and liability travels with you, so feel free to bring your lava lamp to your friend’s 90’s throwback party.
Is my stuff protected in the event of a flood?
Flood protection is excluded from the base policy. It’s possible to add floods to the list of covered events, however, using the policy add-on options (specifically the Flood Coverage Endorsement).
Does my landlord's policy cover my things?
No. Your landlord's insurance covers the building’s fixtures and fittings (basically anything that won’t move if the property was turned upside down and shaken) but it almost never covers your personal belongings or liability.
Can I just get contents insurance?
Nope. You can either buy Liability Insurance as a standalone policy or Liability and Contents Insurance together.
How long will my claim take?
We’d love to give a more helpful answer, but it depends on the nature of the claim.
We’ll keep you updated as your claim is processed, but please don’t hesitate to contact the Waffle team if you have any questions, in the meantime.
We’ll keep you updated as your claim is processed, but please don’t hesitate to contact the Waffle team if you have any questions, in the meantime.
