A premoistened wet wipe provides functional wet strength in use, yet is dispersible if flushed down the toilet so that plumbing and sewage treatment facilities do not become clogged. A particular embodiment of the wipe consists of three uncreped through-air-dried tissue plies that are attached to each other by edge embossing. The two outer plies contain a wet strength agent to provide wet poke-through resistance to two large, centrally-located unembossed regions. The center ply contains no wet strength agent to aid in dispersibility. The embossing around the edges of the wipe further degrades the strength of the wipe in the embossed areas to assist in dispersibility when the wipe is flushed.