Kanguro Pet Insurance Review 2025

Kanguro earned 4.4 stars out of 5 for overall performance.

Kanguro sells an accident and illness plan and wellness coverage, but no accident-only plan. The company offers fully bilingual English/Spanish customer service and website/app materials. It processes claims relatively quickly and covers hereditary and breed-specific conditions.

Kanguro pet insurance isn’t available in all states — and even where it is, plans vary. Plans in some states cover alternative medicine, prescription food and behavioral therapies. In other states, coverage isn’t available for any of these.

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Kanguro offers accident and illness coverage for dogs and cats, plus wellness coverage you can add on.

Accident and illness coverage

Kanguro’s base-level accident and illness plan varies from state to state. Depending on where you live, it may cover:

• Vet exam fees.

• Diagnostic testing.

• Surgery and hospitalization.

• Cancer treatment.

• Prescription medications and medical supplies.

• Prosthetic limbs, devices and mobility aids.

• Dental disease (up to $1,000).

• Euthanasia.

• Cremation (up to $1,000).

• Prescription food and supplements to treat a covered condition.

• Alternative therapies and holistic medicine. 

• Behavioral treatment.

• 24/7 video and chat with a telehealth vet.

Accident, illness and wellness coverage

You can upgrade to a plan that includes the coverage listed above, plus the following routine services:

• Wellness exam.

• Heartworm test.

• Vaccines.

• Internal parasite or fecal test.

• Bloodwork.

• Flea, tick and heartworm prevention.

• Teeth cleaning.

Accident, illness and wellness for puppies and kittens

In some states, you may be able to buy a plan specifically for younger pets. It’s similar to the accident, illness and wellness policy above, but also includes:

• Extra exams, testing and vaccines.

• Microchipping

• Deworming.

• Spay or neuter surgery.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: What does pet insurance cover?

Kanguro’s accident and illness plans don’t cover:

• Pre-existing conditions.

• Injuries or illnesses that could be avoided with preventive care, such as heartworm or flea and tick disease.

• Elective procedures like ear docking, tail cropping or ear cleaning.

• Conditions related to breeding, pregnancy or giving birth.

• Alternative and behavioral treatments (in some states).

• Prescription food and supplements (in some states).

Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you for vet expenses. Kanguro pet insurance plans offer deductibles ranging from $100 to $1,000 per year.

Reimbursement amounts: You can choose to have Kanguro reimburse 70%, 80% or 90% of your veterinary expenses.

Coverage limits: The annual limit is the maximum dollar amount your pet insurance will reimburse you for vet expenses during the year. You can select coverage limits starting at $5,000 per year. Depending on where you live, an unlimited annual benefit may be available.

Age restrictions: Kanguro pet insurance enrollment is available to dogs and cats between 2 months and 14 years old.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage starts. Kanguro’s waiting period is 14 days for both accidents and illnesses, and six months for knee conditions. However, the waiting period can be reduced if a vet exam shows no prior cruciate ligament or knee issues.

There’s no waiting period for wellness services.

The cost of Kanguro pet insurance will depend on where you live and your pet’s age and breed.

Sample rates for dogs

Below are sample rates from Kanguro for six common dog breeds at ages 2 and 8. Sample pets lived in Katy, Texas, and had accident and illness coverage with a $200 deductible, $5,000 annual coverage and an 80% reimbursement rate. Your own price will vary.

Sample rates for cats

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

Discounts

Depending on where you live, you may be eligible for the following savings:

• 10% multipet discount.

• 10% discount when you pay 12 months of premiums upfront.

» MORE: The best cheap pet insurance

Kanguro pet insurance is available in Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Ohio, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Website: You can get pet insurance quotes and buy a policy through Kanguro’s website. Information is available in both English and Spanish.

Mobile app: Kanguro's app is available for both Apple and Android devices. You can use it to file claims and view your pet's medical history, policy details and claim status.

To submit a claim, use the app to provide a picture of the vet invoice. Kanguro says it typically takes five days to reimburse claims. You can use the app to track the status of submitted claims.

When calculating your claim payout, Kanguro will apply your deductible before the reimbursement amount. This is a more generous method than that of some other pet insurers.

Suppose your dog gets sick and racks up a $2,000 vet bill for a covered condition. If your policy has a $250 deductible and an 80% reimbursement rate, here’s how reimbursement would work with the two methods.

Kanguro offers English and Spanish customer service support Monday through Saturday. You can reach the company via the following methods.

Phone, text or WhatsApp: 888-546-5264.

Email: Send messages to javier@kanguroseguro.com.

Other pet insurance companies to consider

Not ready to make a decision? You may be interested in these other pet insurance companies:

• See all of NerdWallet’s pet insurance reviews

  AKC Allstate ASPCA Banfield Chewy Costco Embrace Fetch Figo GEICO Hartville Healthy Paws Kanguro Lemonade

  Liberty Mutual MetLife Nationwide Pawp Petco Pets Best Progressive Prudent Pet Pumpkin Spot State Farm Trupanion Wagmo