Kanguro Pet Insurance 2025: Comprehensive Review & What to Expect

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Our expert's opinion on Kanguro

Last update: June 24, 2025
KanguroKanguro
4.5
hellosafe-logoScore
Jordan Mitchell
Jordan Mitchell
Personal finance editor

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
KanguroKanguro
4.5
hellosafe-logoScore
  • 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

Last update: June 24, 2025
Jordan Mitchell
Jordan Mitchell
Personal finance editor
  • 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
KanguroKanguro
4.5
hellosafe-logoScore
  • 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)
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.
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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 coverageKanguro (Single Plan)
Plan positioningAccident+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 limitPolicy-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 questionnaireRequired, with medical history for chronic/pre-existing review
Waiting period (illness)14 days
Waiting period (accident)14 days
Lifetime coverage once subscribedYes, 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 packageOptional 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
Kanguro (Single Plan) coverage details
Plan positioning
Kanguro (Single Plan)
Accident+illness, single policy with preventive care as an option
Type of coverage (accident, illness...)
Kanguro (Single Plan)
Both accident and illness
Animals covered (dogs, cats, other)
Kanguro (Single Plan)
Dogs and cats only
Reimbursement rate (%)
Kanguro (Single Plan)
Up to 80%, after annual deductible
Annual reimbursement limit
Kanguro (Single Plan)
Policy-specific annual aggregate limit (see declaration)
Deductible (annual or per claim)
Kanguro (Single Plan)
Annual deductible, amount set by contract
Age limits for enrollment (dogs/cats)
Kanguro (Single Plan)
Dogs and cats: Minimum 6 weeks, maximum under 14 years
Pre-enrollment health questionnaire
Kanguro (Single Plan)
Required, with medical history for chronic/pre-existing review
Waiting period (illness)
Kanguro (Single Plan)
14 days
Waiting period (accident)
Kanguro (Single Plan)
14 days
Lifetime coverage once subscribed
Kanguro (Single Plan)
Yes, annual renewal required, provided up-to-date on payments
Vet consultations (regular + emergency)
Kanguro (Single Plan)
✅ All covered when medically necessary
Medications
Kanguro (Single Plan)
✅ Prescribed meds covered as part of a claim
Hospitalization
Kanguro (Single Plan)
✅ Covered for eligible conditions
Surgery (including anesthesia)
Kanguro (Single Plan)
✅ Including cancer surgery, anesthesia and hospitalization
Diagnostic tests (X-ray, MRI, etc.)
Kanguro (Single Plan)
✅ When medically necessary, incl. blood tests, imaging, urinalysis
Dental care (scaling/procedures)
Kanguro (Single Plan)
Endodontics for injury/medical need: $1,000 annual cap; no routine dental
Preventive care package
Kanguro (Single Plan)
Optional add-on, benefits and limits per endorsement
Alternative medicine
Kanguro (Single Plan)
❌ Excluded: homeopathy, acupuncture, etc.
Travel coverage
Kanguro (Single Plan)
❌ Not covered outside USA
Civil liability
Kanguro (Single Plan)
❌ Not covered
Euthanasia
Kanguro (Single Plan)
✅ For humane reasons, up to $1,000 annual limit
Death & cremation coverage
Kanguro (Single Plan)
✅ Cremation covered, limit $1,000 per year; death: only if linked to covered event
Theft or loss of pet + search expenses
Kanguro (Single Plan)
❌ Not covered
Boarding fees (if owner is hospitalized)
Kanguro (Single Plan)
❌ Not covered
Kanguro (Single Plan) coverage details
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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.

ExclusionsDetails
Medical exclusionsPre-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 exclusionsCare provided outside the U.S.Procedures by non-licensed (USA) veterinarians
Identification/Age exclusionsPets under 6 weeks oldPets 14 years or olderContract cannot be transferred between pets
Administrative/claims exclusionsAbsence of medical documentationClaims filed more than 90 days after treatment
Behavioral/exercise exclusionsBehavioral therapy/training (unless covered under a wellness endorsement)Boarding/kenneling fees (except during owner hospitalization, where not excluded)
Alternative & experimental exclusionsAlternative medicine (acupuncture, homeopathy, aromatherapy, CBD, etc.)Experimental or research treatmentsCloned or genetically modified animals
Legal/contractual exclusionsCoverage under another insurance contractWar, nuclear incidents, government seizure
Insurance Exclusions
Medical exclusions
Details
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
Details
Care provided outside the U.S.Procedures by non-licensed (USA) veterinarians
Identification/Age exclusions
Details
Pets under 6 weeks oldPets 14 years or olderContract cannot be transferred between pets
Administrative/claims exclusions
Details
Absence of medical documentationClaims filed more than 90 days after treatment
Behavioral/exercise exclusions
Details
Behavioral therapy/training (unless covered under a wellness endorsement)Boarding/kenneling fees (except during owner hospitalization, where not excluded)
Alternative & experimental exclusions
Details
Alternative medicine (acupuncture, homeopathy, aromatherapy, CBD, etc.)Experimental or research treatmentsCloned or genetically modified animals
Legal/contractual exclusions
Details
Coverage under another insurance contractWar, nuclear incidents, government seizure
Insurance Exclusions

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
Young cat (2–4 years)
Kanguro (Single Plan)
$34/month
Senior cat (7–8 years)
Kanguro (Single Plan)
$43/month
Small breed dog
Kanguro (Single Plan)
$55/month
Small breed dog (2–4 years)
Kanguro (Single Plan)
$55/month
Large breed dog (2–4 years)
Kanguro (Single Plan)
$70/month
Senior dog (7–8 years)
Kanguro (Single Plan)
$87/month
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!

Kanguro Promo Codes

Kanguro Promo CodesDetails
HelloSafe Promo Code-5% on your quote
Kanguro Promo Codes
HelloSafe Promo Code
Details
-5% on your quote
Kanguro Promo Codes

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 platformRating and number of reviews
Trustpilot4.3/5 (301 reviews)
Google Store4.6/5 (280+ reviews)
Trustpilot
Rating and number of reviews
4.3/5 (301 reviews)
Google Store
Rating and number of reviews
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 ServiceDetails
To get a quote or subscribe onlineYou 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 reimbursementSubmit 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 insuranceContact Kanguro by email at [email protected] or call +1-888-546-5264. Provide your policy number and personal identification.
To contact assistanceEmail [email protected] or call +1-888-546-5264 for support. 24/7 assistance is also available via the app’s chat function.
To cancel my policyEmail [email protected] 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.
Kanguro Customer Service Contact Details
To get a quote or subscribe online
Details
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
Details
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
Details
Contact Kanguro by email at [email protected] or call +1-888-546-5264. Provide your policy number and personal identification.
To contact assistance
Details
Email [email protected] or call +1-888-546-5264 for support. 24/7 assistance is also available via the app’s chat function.
To cancel my policy
Details
Email [email protected] 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.
Kanguro Customer Service Contact Details

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.

Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.

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