Kanguro Pet Insurance 2025: Comprehensive Review & What to Expect
Our expert's opinion on Kanguro
Kanguro pet insurance offers a single, comprehensive policy for cats and dogs, covering a wide range of medical expenses—including accidents, illnesses, hereditary, and chronic conditions—with annual reimbursement rates (typically 80%), annual deductible, and aggregate limits specified per contract, plus an optional wellness/preventive care add-on with no waiting period or deductible. Compared to other US digital-first pet insurers, Kanguro’s strengths are its fully paperless claims, fast reimbursement (average 2–4 days), bilingual customer support, and mid-market pricing (from $35/month for cats, $55/month for dogs), though plan customization details and coverage limits require confirmation before enrolling. Kanguro particularly suits owners of young to middle-aged pets—including mixed breeds and purebreds—seeking hassle-free digital claims, fast support, and wellness options at a moderate budget. Underwritten by Cimarron Insurance (robust US carrier) and managed by Kanguro Insurance LLC, it shows strong operational reliability; its Trustpilot score is 4.3/5 from 301 reviews, with most claims processed in 2–4 days and a well-regarded user app.
- ✅Covers accidents, illnesses, hereditary, and chronic conditions
- ✅Digital-first enrollment and 100% paperless claims
- ✅Fast reimbursements: average 2–4 days
- ✅Bilingual 24/7 customer support and app
- ✅Optional wellness/preventive care with no waiting or deductible
- ✅Annual deductible applies only once per year
- ✅Solid user ratings (Trustpilot 4.3/5, app 4.7/5)
- ❌Only one base plan—limited customization
- ❌Annual limits and reimbursements vary by contract; specifics not pre-disclosed
- ❌Routine dental not covered; dental treatment capped at $1,000/year
- ❌Some delays in wellness reimbursements reported
- ❌Coverage not available for pets 14 years and older
Score- ✅Covers accidents, illnesses, hereditary, and chronic conditions
- ✅Digital-first enrollment and 100% paperless claims
- ✅Fast reimbursements: average 2–4 days
- ✅Bilingual 24/7 customer support and app
- ✅Optional wellness/preventive care with no waiting or deductible
- ✅Annual deductible applies only once per year
- ✅Solid user ratings (Trustpilot 4.3/5, app 4.7/5)
Our expert's opinion on Kanguro
- ✅Covers accidents, illnesses, hereditary, and chronic conditions
- ✅Digital-first enrollment and 100% paperless claims
- ✅Fast reimbursements: average 2–4 days
- ✅Bilingual 24/7 customer support and app
- ✅Optional wellness/preventive care with no waiting or deductible
- ✅Annual deductible applies only once per year
- ✅Solid user ratings (Trustpilot 4.3/5, app 4.7/5)
- ❌Only one base plan—limited customization
- ❌Annual limits and reimbursements vary by contract; specifics not pre-disclosed
- ❌Routine dental not covered; dental treatment capped at $1,000/year
- ❌Some delays in wellness reimbursements reported
- ❌Coverage not available for pets 14 years and older
Score- ✅Covers accidents, illnesses, hereditary, and chronic conditions
- ✅Digital-first enrollment and 100% paperless claims
- ✅Fast reimbursements: average 2–4 days
- ✅Bilingual 24/7 customer support and app
- ✅Optional wellness/preventive care with no waiting or deductible
- ✅Annual deductible applies only once per year
- ✅Solid user ratings (Trustpilot 4.3/5, app 4.7/5)
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.
Kanguro Guarantees
Kanguro offers a single, straightforward pet insurance plan, providing coverage for both accidents and illnesses, including chronic and hereditary conditions, with up to 80% reimbursement after an annual deductible (exact details shown on the policy declaration).
The plan allows for add-on preventive care coverage (vaccines, checkups), has an annual aggregate limit, and covers medically necessary exams, surgeries, medications, hospitalization, and diagnostic tests. Strengths of Kanguro include generous coverage for hereditary diseases and cancer, digital-first claims with fast 2–4 day reimbursement, and bilingual customer support.
Key weaknesses are numerous exclusions for routine dental, grooming, behavioral, or experimental treatments, strict pre-existing condition rules, and coverage limited to pets aged 6 weeks to under 14 years, with U.S.-based licensed veterinarians only.
Overall, Kanguro stands out for transparent terms and efficient digital service but may disappoint owners seeking broader routine care or non-U.S. coverage options.
| Name of coverage | Kanguro (Single Plan) |
|---|---|
| Plan positioning | Accident+illness, single policy with preventive care as an option |
| Type of coverage (accident, illness...) | Both accident and illness |
| Animals covered (dogs, cats, other) | Dogs and cats only |
| Reimbursement rate (%) | Up to 80%, after annual deductible |
| Annual reimbursement limit | Policy-specific annual aggregate limit (see declaration) |
| Deductible (annual or per claim) | Annual deductible, amount set by contract |
| Age limits for enrollment (dogs/cats) | Dogs and cats: Minimum 6 weeks, maximum under 14 years |
| Pre-enrollment health questionnaire | Required, with medical history for chronic/pre-existing review |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 14 days |
| Lifetime coverage once subscribed | Yes, annual renewal required, provided up-to-date on payments |
| Vet consultations (regular + emergency) | ✅ All covered when medically necessary |
| Medications | ✅ Prescribed meds covered as part of a claim |
| Hospitalization | ✅ Covered for eligible conditions |
| Surgery (including anesthesia) | ✅ Including cancer surgery, anesthesia and hospitalization |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ When medically necessary, incl. blood tests, imaging, urinalysis |
| Dental care (scaling/procedures) | Endodontics for injury/medical need: $1,000 annual cap; no routine dental |
| Preventive care package | Optional add-on, benefits and limits per endorsement |
| Alternative medicine | ❌ Excluded: homeopathy, acupuncture, etc. |
| Travel coverage | ❌ Not covered outside USA |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ For humane reasons, up to $1,000 annual limit |
| Death & cremation coverage | ✅ Cremation covered, limit $1,000 per year; death: only if linked to covered event |
| Theft or loss of pet + search expenses | ❌ Not covered |
| Boarding fees (if owner is hospitalized) | ❌ Not covered |
Policy Conditions and Limitations
Preventive care coverage has separate limits, requires an extra premium, and is only available as an option.
Claims must be filed within 90 days of treatment, and one annual deductible applies per pet and not per incident.
Policy strictly applies only to the pet named in the contract, and only treatments provided in the US by licensed veterinarians are eligible.
To find the best price and protection for your pet, compare Kanguro’s plan with other providers before enrolling.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Kanguro Exclusions
Kanguro policy exclusions are comprehensive and fall broadly in line with standard US pet insurance but are notable for explicitly excluding all non-medically necessary care, any routine dental (except injury/endodontics), alternative treatments, and any expenses incurred outside the US or from non-licensed veterinarians.
Routine/preventive treatments are never covered except under a separate wellness plan and never as part of the main policy.
Other specific exclusions, such as boarding, behavioral/training treatment, and any pre-existing conditions or claims made during the waiting period, are strictly enforced and not subject to exceptions.
Noteworthy is the explicit exclusion of experimental treatments, transfer of the contract to another pet, and a total absence of coverage for pets under 6 weeks or aged 14 years or older.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditionsConditions during waiting periodNon-medically necessary careCosmetic or elective proceduresRoutine dental (cleaning, scaling, maintenance)Routine/preventive care (if not on wellness plan)Feeding/diet (unless vet-prescribed for specific conditions)Treatments on asymptomatic petsReproduction/pregnancy/neutering |
| Geographic exclusions | Care provided outside the U.S.Procedures by non-licensed (USA) veterinarians |
| Identification/Age exclusions | Pets under 6 weeks oldPets 14 years or olderContract cannot be transferred between pets |
| Administrative/claims exclusions | Absence of medical documentationClaims filed more than 90 days after treatment |
| Behavioral/exercise exclusions | Behavioral therapy/training (unless covered under a wellness endorsement)Boarding/kenneling fees (except during owner hospitalization, where not excluded) |
| Alternative & experimental exclusions | Alternative medicine (acupuncture, homeopathy, aromatherapy, CBD, etc.)Experimental or research treatmentsCloned or genetically modified animals |
| Legal/contractual exclusions | Coverage under another insurance contractWar, nuclear incidents, government seizure |
Kanguro Prices
Kanguro positions itself as a competitive, digital-first insurer with pricing that is generally more affordable than traditional insurers, focusing on efficient coverage for accidents and illness without extensive bells and whistles.
The streamlined, fully digital service model keeps operating costs low, allowing Kanguro to offer mid-market to affordable premiums compared to major US pet insurers.
Coverage is solid for core medical expenses, offering up to 80% reimbursement and relatively standard deductibles, though premiums may rise if optional wellness coverage is added.
This pricing makes Kanguro especially attractive to value-conscious pet owners seeking straightforward, reliable protection without paying a premium for add-ons or extensive wellness features.
The result is a well-balanced offer that emphasises cost-effectiveness and user experience, but those looking for ultra-comprehensive or highly customizable coverage may still find higher-priced options elsewhere.
Compare Kanguro’s plans against other providers to find the best value for your budget and pet’s needs.
| Kanguro (Single Plan) | |
|---|---|
| Young cat (2–4 years) | $34/month |
| Senior cat (7–8 years) | $43/month |
| Small breed dog | $55/month |
| Small breed dog (2–4 years) | $55/month |
| Large breed dog (2–4 years) | $70/month |
| Senior dog (7–8 years) | $87/month |
Kanguro Promo Codes
| Kanguro Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Reimbursement with Kanguro
With Kanguro’s highest-tier plan, your pet’s vet bills are reimbursed quickly and simply: you pay your annual deductible once, then Kanguro covers 80% of any eligible costs for the rest of your policy year, up to your annual benefit limit.
✅ Example 1: Emergency surgery for a swallowed toy
Total vet costs: $2,200 (diagnostics, surgery, hospitalization, medications)
Deductible amount to subtract: $250 (if this is your first claim of the year)
Amount eligible after deductible: $2,200 – $250 = $1,950 80% of that amount reimbursed: $1,950 × 80% = $1,560
👉 You receive a reimbursement of $1,560.
ℹ️ Your $250 deductible only applies once per policy year; future claims will not be reduced further unless you reach your annual cap.
✅ Example 2: Annual wellness visit and vaccines (Preventive Care option)
Total vet costs: $180 (exam, core vaccines, fecal test)
No deductible applies for preventive care
Amount reimbursed at 100% (up to preventive allowance): $180 × 100% = $180
👉 You receive $180.
ℹ️ Preventive care claims are reimbursed separately, and fast – up to your plan’s annual wellness maximum.
✅ Example 3: Treatment for feline diabetes Total vet costs: $800 (consultations, lab work, insulin, supplies for 1 month)
Deductible already paid earlier in the policy year Amount covered: $800 × 80% = $640
👉 You receive a reimbursement of $640.
ℹ️ All covered expenses beyond your deductible are reimbursed at 80%, making ongoing treatments much more affordable.
Kanguro Assistance
Kanguro offers digital-first assistance that stands out for robust mobile app functionality, including policy management, fast claim submission, and referral rewards.
App ratings are strong (4.6 to 4.7/5), and policyholders benefit from a 2–4 day claim processing timeline as well as real-time status tracking.
Live support is readily available during working hours by phone or email, reinforcing accessibility, though evidence of a staffed 24/7 emergency vet consult line is not clear.
There is no partner network or direct advance payment service for vet bills, requiring owners to pay clinics up front and claim later.
Coverage is limited to the US, so pets are not protected while traveling abroad, which can be a notable limitation for owners who regularly cross borders.
Customer reviews on Kanguro
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.3/5 (301 reviews) |
| Google Store | 4.6/5 (280+ reviews) |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Kanguro for their pets often mention:
- An attentive and multilingual customer service: many users highlight friendly, helpful, and knowledgeable agents who are easy to contact.
- A quick and efficient claims process: numerous reviews praise fast reimbursement timelines and a seamless digital app experience.
- An easy enrollment and management process: the app and website are frequently described as user-friendly and accessible for all skill levels.
- A variety of plan options and the inclusion of wellness and preventive care are appreciated by policyholders.
On the negative side:
- A number of customers report issues with delayed or denied reimbursements, especially for wellness claims and vaccinations.
- An inconsistent response from support when following up on cancellations or refunds, with several users mentioning difficulty reaching someone by email or phone.
- A few negative reviews concern unclear coverage wording, leading to misunderstandings about what specific conditions or expenses are reimbursed.
- Some users express frustration over denied coverage for certain veterinary procedures or congenital conditions, as well as refund disputes.
Contact Kanguro
| Kanguro Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Kanguro app or the website’s claim portal. Required documents: completed claim form, itemized vet invoice, and proof of payment. Reimbursements are paid by direct deposit or check, typically processed within 2–4 days. |
| To obtain a certificate of insurance | Contact Kanguro by email at customersupport@kanguroinsurance.com or call +1-888-546-5264. Provide your policy number and personal identification. |
| To contact assistance | Email customersupport@kanguroinsurance.com or call +1-888-546-5264 for support. 24/7 assistance is also available via the app’s chat function. |
| To cancel my policy | Email customersupport@kanguroinsurance.com or call +1-888-546-5264. Written notice is recommended, and you must provide your policy number and ID. Cancellations within 30 days receive a full refund if no claim was made, otherwise prorated. |
FAQ
Do I have to pay upfront for veterinary fees with Kanguro?
Yes, you are required to pay your veterinarian directly at the time of service. Kanguro does not offer advance payment or direct billing with vets. After payment, you submit a claim for reimbursement through their app or online portal, and Kanguro typically reimburses you by direct deposit or check once your claim is approved.
How do I cancel my pet insurance policy with Kanguro?
To cancel, contact Kanguro by phone or email. Provide your policy number, identification, and written notice of your intent to cancel. There is no required notice period, but to receive a full refund, you must cancel within 30 days if you have not made a claim; otherwise, a prorated refund applies.
What does the Kanguro pet insurance policy cover?
Kanguro covers veterinary costs resulting from accidents, illnesses, and hereditary or chronic conditions in cats and dogs. Covered expenses include diagnostics, surgeries, hospitalizations, medications, and certain dental or end-of-life costs. Coverage is subject to co-insurance, an annual deductible, policy limits, and specific waiting periods for different conditions.
How do I file a claim with Kanguro, and how long does reimbursement take?
Submit your claim through the Kanguro mobile app or online portal by uploading the itemized vet invoice, completed claim form, and payment proof. Claims must be submitted within 90 days of treatment. Most claims are processed within 2 to 4 business days after receipt of all required documents, and reimbursements are made via direct deposit or check.
Are there any exclusions or situations not covered by Kanguro?
Yes, Kanguro does not cover pre-existing conditions, routine dental care, cosmetic or non-medically necessary procedures, preventable conditions due to lack of vaccinations, behavioral training, or experimental treatments. Only medical care provided in the US by a licensed veterinarian is eligible, and pets under 6 weeks or older than 14 years are not covered at enrollment.
Can I use Kanguro pet insurance at any veterinarian?
You can visit any licensed veterinarian or clinic in the United States. Just be sure your vet issues a detailed invoice and provides the necessary medical documentation required for your claim. International treatment and care by non-licensed professionals are not covered.
Do I have to pay upfront for veterinary fees with Kanguro?
Yes, you are required to pay your veterinarian directly at the time of service. Kanguro does not offer advance payment or direct billing with vets. After payment, you submit a claim for reimbursement through their app or online portal, and Kanguro typically reimburses you by direct deposit or check once your claim is approved.
How do I cancel my pet insurance policy with Kanguro?
To cancel, contact Kanguro by phone or email. Provide your policy number, identification, and written notice of your intent to cancel. There is no required notice period, but to receive a full refund, you must cancel within 30 days if you have not made a claim; otherwise, a prorated refund applies.
What does the Kanguro pet insurance policy cover?
Kanguro covers veterinary costs resulting from accidents, illnesses, and hereditary or chronic conditions in cats and dogs. Covered expenses include diagnostics, surgeries, hospitalizations, medications, and certain dental or end-of-life costs. Coverage is subject to co-insurance, an annual deductible, policy limits, and specific waiting periods for different conditions.
How do I file a claim with Kanguro, and how long does reimbursement take?
Submit your claim through the Kanguro mobile app or online portal by uploading the itemized vet invoice, completed claim form, and payment proof. Claims must be submitted within 90 days of treatment. Most claims are processed within 2 to 4 business days after receipt of all required documents, and reimbursements are made via direct deposit or check.
Are there any exclusions or situations not covered by Kanguro?
Yes, Kanguro does not cover pre-existing conditions, routine dental care, cosmetic or non-medically necessary procedures, preventable conditions due to lack of vaccinations, behavioral training, or experimental treatments. Only medical care provided in the US by a licensed veterinarian is eligible, and pets under 6 weeks or older than 14 years are not covered at enrollment.
Can I use Kanguro pet insurance at any veterinarian?
You can visit any licensed veterinarian or clinic in the United States. Just be sure your vet issues a detailed invoice and provides the necessary medical documentation required for your claim. International treatment and care by non-licensed professionals are not covered.
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