Kanguro Pet Insurance Review 2025: Pros, Cons & Coverage
Our expert's opinion on Kanguro
Kanguro offers three primary accident & illness plans: Essential Care, Premier Care+ and Early Years Care+ (the latter limited to pets under three), with core cover for emergency care, consultations, surgery, imaging, lab tests, specialist consultations, euthanasia and cremation benefits up to $1,000, and waiting periods of 14 days for accidents and illnesses (six months for knee injuries); vaccinations are available as an optional add-on.
Reimbursement rates, annual limits, deductibles and any wellness budgets are structured by plan and by pet profile, and monthly premiums in sample profiles range roughly from the mid-$30s for young cats to over $200 for older, high-risk dog breeds; compared with main competitors, Kanguro positions itself as a mid-priced, tech-forward insurer emphasizing app-based services, 24/7 televet access, and breed/age pricing transparency while aiming for straightforward accident & illness cover.
Best suited for owners of young pets and those seeking mid-range accident & illness protection with telemedicine access; less suited for owners wanting routine/wellness bundled coverage.
Kanguro’s provider average rating is 3.7 and it holds a Trustpilot score of 4.1/5 from 344 reviews; customers commonly report quick claim handling and timely reimbursements via the app or website, though some reviews note occasional delays or lower-than-expected payouts linked to exclusions or deductibles.
- ✅Accident & illness core cover
- ✅24/7 televet via mobile app
- ✅Breed- and age-based pricing examples
- ✅Quick claim handling reported by many customers
- ✅Optional vaccination add-on
- ✅Euthanasia and cremation cover up to $1,000
- ✅App and web claim submission
- ❌No routine or wellness cover included by default
- ❌Knee injuries subject to a six-month waiting period
- ❌Older and brachycephalic breeds show high premiums
- ❌Some reviewers report delayed or reduced reimbursements
- ❌Limited coverage for alternative and elective treatments
Our expert's opinion on Kanguro
- ✅Accident & illness core cover
- ✅24/7 televet via mobile app
- ✅Breed- and age-based pricing examples
- ✅Quick claim handling reported by many customers
- ✅Optional vaccination add-on
- ✅Euthanasia and cremation cover up to $1,000
- ✅App and web claim submission
- ❌No routine or wellness cover included by default
- ❌Knee injuries subject to a six-month waiting period
- ❌Older and brachycephalic breeds show high premiums
- ❌Some reviewers report delayed or reduced reimbursements
- ❌Limited coverage for alternative and elective treatments
Score- ✅Accident & illness core cover
- ✅24/7 televet via mobile app
- ✅Breed- and age-based pricing examples
- ✅Quick claim handling reported by many customers
- ✅Optional vaccination add-on
- ✅Euthanasia and cremation cover up to $1,000
- ✅App and web claim submission
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Kanguro Guarantees
Kanguro offers three distinct plans — Essential Care, Premier Care+, and Early Years Care+ — all positioned around comprehensive accident & illness protection with varying price points and target segments: Essential Care as a balanced core option, Premier Care+ as an enhanced plan with broader benefits, and Early Years Care+ as a premium, younger‑pet focused product available only for pets under three years. All plans include emergency treatment, surgery, imaging and laboratory diagnostics, and access to specialist consultations, with death-related benefits including euthanasia and cremation covered up to specified limits. Key contract mechanics such as reimbursement rate, annual reimbursement limits and deductible type are not communicated (N.C.), while waiting periods are specified and operational: a 14‑day waiting period for accidents and illnesses (with a 6‑month restriction applying to knee injuries). Enrollment is available from six weeks of age up to under 14 years for the standard plans, while Early Years Care+ is restricted to pets younger than three years.
Plan design emphasizes clinical coverage over routine care: preventive services are excluded by default (vaccinations available as an optional add‑on), dental prophylaxis is excluded, and alternative therapies are not covered. Value differentiators include 24/7 Televet access via the Kanguro app and inclusion of advanced therapies such as radiotherapy and specialist consultations; travel and care abroad are not provided, and boarding fees are not covered.
| Essential Care | Premier Care+ | Early Years Care+ | |
|---|---|---|---|
| Plan positioning | Balanced | Enhanced | Premium (young‑pet focused) |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Dogs, Cats | Dogs, Cats | Dogs, Cats (only if under 3 yrs) |
| Reimbursement rate | N.C. | N.C. | N.C. |
| Annual reimbursement limit | N.C. | N.C. | N.C. |
| Deductible (annual or per claim) | N.C. | N.C. | N.C. |
| Age limits for enrollment | 6 weeks / <14 years | 6 weeks / <14 years | 6 weeks / <3 years |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting period (accident) | 14 days | 14 days | 14 days |
| Waiting period (illness) | 14 days (6 months for knee injuries) | 14 days (6 months for knee injuries) | 14 days (6 months for knee injuries) |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Yes | Yes | Yes |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | N.C. | N.C. | N.C. |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, labs, radiotherapy) | Yes | Yes | Yes |
| Dental care (cleaning, prophylaxis) | No | No | No |
| Preventive care (vaccinations, parasite control) | Vaccinations: optional add‑on; parasite treatment: No | Vaccinations: optional add‑on; parasite treatment: No | Vaccinations: optional add‑on; parasite treatment: No |
| Alternative medicine | No | No | No |
| Travel coverage / care abroad | No | No | No |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | Yes (covered, limit applies) | Yes (covered, limit applies) | Yes (covered, limit applies) |
| Death & cremation coverage | Cremation: Yes (limit applies); Death: Yes (euthanasia up to $1,000) | Cremation: Yes (limit applies); Death: Yes (euthanasia up to $1,000) | Cremation: Yes (limit applies); Death: Yes (euthanasia up to $1,000) |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
Exclusions and common limitations are extensive and follow typical market patterns: pre‑existing conditions (including chronic, bilateral and intervertebral issues) are excluded, routine and preventive services (vaccinations, parasite prevention, dental prophylaxis) are not included in base plans, and elective or cosmetic procedures and breeding‑related costs are excluded. Behavioral training, many alternative or experimental treatments, non‑prescription items (foods, supplements), and owner‑related neglect or intentional harm are also excluded.
Key restrictions to note include the specific knee waiting provision (six months for knee injuries), age restrictions on the Early Years Care+ product, and the absence of alternative‑therapy coverage; administrative and non‑medical costs (boarding, travel abroad) are not covered. Because reimbursement rates, deductible structure and annual reimbursement limits are N.C., the plans should be evaluated with attention to declared plan details at point of sale to understand the out‑of‑pocket exposure and annual maximums.
Kanguro Exclusions
Kanguro excludes the usual industry‑standard items: pre‑existing conditions, chronic or bilateral disorders, and intervertebral/orthopedic issues that showed signs before the policy start or during waiting periods. Cosmetic and elective procedures (tail docking, ear cropping, microchipping, anal gland expression, spaying/neutering) are explicitly excluded and treated separately from medically necessary surgery. Activity‑related exclusions are notable: breeding, pregnancy and whelping, commercial guarding, herding, and injuries from organized sporting activities are not covered. Behavioral training, repetitive‑incident exclusions (e.g., repeated foreign‑body ingestions), experimental/alternative therapies, non‑prescription items, boarding/transport, and owner‑neglect are all barred, while care abroad is not covered.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions; chronic and bilateral conditions; intervertebral disc and related orthopedic issues; conditions with signs before policy start; waiting‑period‑related exclusions (e.g., knee injuries within initial months). |
| Elective & non‑medical procedures | Tail docking; ear cropping; microchipping; anal gland expression; spaying/neutering; other cosmetic or elective procedures. |
| Activity‑related exclusions | Breeding, pregnancy, giving birth and whelping; commercial guarding; herding activities; organized sports (e.g., sled racing). |
| Behavioral & repetitive issues | Obedience training and behavioral therapy (non‑veterinary); recurring incidents from repetitive behaviors (e.g., repeated foreign‑body ingestions). |
| Alternative & experimental treatments | Aromatherapy, massage, herbal remedies, CBD products; experimental therapies; cloning or genetically modified animals; genetic testing; participation in clinical trials. |
| Non‑prescription & other items | Boarding and transport expenses; housing and non‑medical supplies; prescription food and over‑the‑counter supplements not medically necessary; grooming and routine dental care. |
| Owner responsibility & neglect | Injuries or illnesses caused intentionally or by neglect; failure to follow preventive care advice leading to claim denial. |
| Geographic exclusions | Care abroad: not covered. |
Kanguro Prices
Kanguro’s pricing sits largely in the mid‑range with a clear premium tier for younger pets: Essential Care presents the most affordable entry point, Premier Care+ occupies a middle position, and Early Years Care+ is consistently the highest‑priced option for eligible young animals. The published monthly premiums illustrate this structure across dog and cat profiles, with Early Years Care+ intended as a premium product for pets under the eligible age limit.
Reimbursement rates, deductibles, and annual coverage limits materially shape value: higher reimbursement percentages and lower deductibles typically raise premiums, while higher annual limits or unlimited caps push costs further upward; consumers trade monthly price for reduced out‑of‑pocket exposure during major medical events.
Kanguro’s digital cost structure and added‑value services — notably a 24/7 Televet app, in‑app claims and a largely app‑centric customer experience, plus euthanasia and cremation benefits up to $1,000 on covered plans — support its pricing and can offset higher nominal premiums for owners who value fast service and telemedicine access.
Compared with more traditional providers, Kanguro’s online‑first model and integrated telehealth support position it as a digitally oriented competitor that leverages convenience and speed as part of its value proposition, while traditional players often compete on broader network relationships or legacy scale.
Policyholders should weigh the monthly premium against service features (telemedicine, cremation benefit) and the plan tier to determine which balance of price and benefits fits their needs.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Essential Care | Premier Care+ | Early Years Care+ |
|---|---|---|---|
| Dog Labrador 1 year | $74.49 | $101.48 | $120.49 |
| Dog Labrador 3 years | $80.45 | $107.44 | Not Insurable |
| Dog Labrador 7 years | $126.63 | $153.62 | Not Insurable |
| Dog Australian Shepherd 1 year | $56.65 | $83.54 | $102.65 |
| Dog Australian Shepherd 3 years | $61.18 | $88.17 | Not Insurable |
| Dog Australian Shepherd 7 years | $96.30 | $123.29 | Not Insurable |
| Dog French Bulldog 1 year | $114.63 | $141.62 | $160.63 |
| Dog French Bulldog 3 years | $123.80 | $150.79 | Not Insurable |
| Dog French Bulldog 7 years | $194.87 | $221.86 | Not Insurable |
| Cat European Shorthair 1 year | $34.33 | $54.33 | $70.33 |
| Cat European Shorthair 3 years | $39.61 | $59.61 | Not Insurable |
| Cat European Shorthair 7 years | $56.11 | $76.11 | Not Insurable |
| Cat Maine Coon 1 year | $42.68 | $62.68 | $78.68 |
| Cat Maine Coon 3 years | $49.24 | $69.24 | Not Insurable |
| Cat Maine Coon 7 years | $69.76 | $89.76 | Not Insurable |
| Cat British Shorthair 1 year | $42.68 | $62.68 | $78.68 |
| Cat British Shorthair 3 years | $49.24 | $69.24 | Not Insurable |
| Cat British Shorthair 7 years | $69.76 | $89.76 | Not Insurable |
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.
How much will I be reimbursed with Kanguro?
Reimbursements with Kanguro are calculated by subtracting your annual deductible from the eligible invoice and then applying the plan’s reimbursement percentage to the remaining amount.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (consultation + medication)
Deductible amount to subtract: $100 (first expense of the year)
Amount reimbursable after deductible with the Premier Care+ plan: $200 – $100 = $100
85% of that amount reimbursed: $100 × 85% = $85
👉 You receive a reimbursement of $85.
Deductible Application
*The deductible applies once per policy year; future claims that year won’t be subject to the deductible again unless the deductible resets.*
✅ Example 2: Cruciate ligament repair surgery (knee)
Total vet costs: $4,500 (surgery, hospitalization, meds, rehab)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable with the Premier Care+ plan at 85%: $4,500 × 85% = $3,825
Remaining out-of-pocket cost: $4,500 – $3,825 = $675
👉 You receive a reimbursement of $3,825.
Knee Injury Coverage Waiting Period
Knee injuries may be subject to a longer illness waiting period (commonly six months) before coverage applies; confirm timing when enrolling.
✅ Example 3: Emergency foreign body removal and imaging
Total vet costs: $2,200 (emergency visit, imaging, surgery, medication)
Deductible amount to subtract: $100 (not yet used this year)
Amount reimbursable after deductible with the Premier Care+ plan: $2,200 – $100 = $2,100
85% of that amount reimbursed: $2,100 × 85% = $1,785
👉 You receive a reimbursement of $1,785.
Reimbursement Limit Information
*Reimbursements are subject to your plan’s annual limit; if the annual cap is reached, future eligible costs may not be reimbursed.*
Kanguro Assistance
Kanguro offers a 24/7 telemedicine service through its mobile app, enabling owners to consult licensed veterinarians by video or chat for urgent advice.
Policyholders can initiate and track claims via a web portal or the app, and the platform is associated with generally quick reimbursements for routine incidents.
The mobile app consolidates teleconsultations, claim filing, and document uploads, although some customers have reported needing to email certain wellness submissions, which can add steps to the process.
Coverage is restricted to incidents occurring within the United States, so owners who travel internationally will need alternative arrangements for veterinary care abroad.
| Assistance Kanguro | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | Rating: N.C. Allows teleconsultations (video/chat) with licensed vets. Enables claim filing and document uploads via the app. |
| Paperless claims process | ✅ | Claims can be submitted and tracked via the mobile app or web portal. Reimbursements processed electronically; some wellness submissions may require email. |
| Emergency vet service | ✅ | Televet 24/7 via the mobile app with video and chat access to licensed veterinarians. Includes an AI assistant option. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | Coverage does not apply outside the United States. |
Customer reviews on Kanguro
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1/5 (344 reviews) |
| Google Reviews | 3.8/5 (147 reviews) |
Customers frequently praise Kanguro for fast claim handling and timely reimbursements, and many owners report that the mobile app and digital submissions make the process straightforward; positive interactions with responsive support staff also appear regularly in reviews, contributing to overall satisfaction.
On the other hand, some policyholders report delays or unclear communication in specific cases, and complaints often revolve around lower-than-expected payouts driven by deductibles or exclusions, occasional refund or cancellation issues, and a few limitations when the app requires follow-up by email.
Here are some examples of customer reviews:
- Russ, 29/07/2025 — My experience with Kanguro has been fantastic. They act quickly on claims and compensation for covered services shows up just as fast. I'd highly recommend them to anyone with a pet.
- Yanisleydis, 27/07/2025 — Great costumer service, super fast claim handling. Very happy with this pet insurance. They have been there for me many times. Thank you Kanguro Insurance.
- Monica, 27/07/2025 — Horrible, not enough coverage for what I was paying. Have not received my refunds back. I would not recommend Kanguro Insurance for pet insurance at all.
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. Online subscription available at www.kanguroseguro.com. |
| To request and track a reimbursement | Submit claims via the website or mobile app or email claims@kanguroseguro.com. Required documents for reimbursement: N.C. Submission deadlines and claim tracking procedures: N.C. Reimbursement method and timing: N.C. |
| To obtain a certificate of insurance | Request channels: website, mobile app, email (claims@kanguroseguro.com), or U.S. mail. Specific request form, required information, and issuance timing: N.C. |
| To contact assistance | Available channels: website www.kanguroseguro.com, mobile app, email claims@kanguroseguro.com, or U.S. mail. Phone contact details: N.C. |
| To cancel my policy | Cancellation process and required steps: N.C. Information to provide for cancellation, notice periods, and refund conditions: N.C. You may initiate a request through the website, email, or U.S. mail as applicable. |
Online subscription available at www.kanguroseguro.com.
Required documents for reimbursement: N.C.
Submission deadlines and claim tracking procedures: N.C.
Reimbursement method and timing: N.C.
Specific request form, required information, and issuance timing: N.C.
Phone contact details: N.C.
Information to provide for cancellation, notice periods, and refund conditions: N.C.
You may initiate a request through the website, email, or U.S. mail as applicable.
FAQ
Do I have to pay upfront for veterinary fees with Kanguro?
Claims are submitted for reimbursement through Kanguro’s website or mobile app, or by emailing claims@kanguroseguro.com, and you will normally be reimbursed after Kanguro processes the claim. Kanguro provides fast claim handling and an in‑app submission flow to speed payouts. Kanguro lists a 24/7 Televet service for advice before or after treatment. Direct third‑party payment or guaranteed clinic direct‑pay options are N.C. — contact claims before treatment if you need an urgent payment arrangement.
How do I cancel my pet insurance policy with Kanguro?
To cancel, contact Kanguro via the website contact form, the app, by email, or by U.S. mail with your policy number and pet details and state your requested cancellation date. Include the policy number, pet name, and a signed request or confirmation as required by the insurer. Any premium refund or prorated balance will be handled according to your policy terms. The exact notice period and refund calculation are N.C.; ask customer service for the effect on your next billing cycle.
What are the waiting periods for accident and illness coverage?
Kanguro applies a 14‑day waiting period for accident coverage and a 14‑day waiting period for illness coverage. Knee and certain orthopedic conditions have an extended waiting period of six months. Waiting periods begin on the policy effective date and apply before those specific coverages become eligible for reimbursement.
What reimbursement rates and annual limits does Kanguro use?
Reimbursement is calculated on eligible veterinary expenses after any deductible and up to the plan’s annual maximum; the insurer pays the reimbursable percentage defined by the chosen plan. Specific reimbursement percentages and annual limits vary by plan and are N.C. for the plans listed here. Review your chosen plan’s schedule to confirm the exact reimbursement rate, deductible application, and annual cap.
Are pre‑existing conditions covered under Kanguro policies?
Pre‑existing conditions — any condition with signs, symptoms, or treatment before the policy start date or during a waiting period — are excluded from coverage. This exclusion includes chronic, bilateral, and intervertebral conditions and applies for the life of the condition. New unrelated conditions after the waiting period may be eligible for reimbursement under standard terms.
Does Kanguro provide telemedicine or 24/7 veterinary support?
Yes — Kanguro offers a “Televet 24/7” service accessible via the Kanguro app for video or chat consultations with a licensed veterinarian. This service is available day and night to help with questions and urgent advice, and can guide whether to seek in‑clinic care. Access and usage details are managed through the mobile app and account portal.
Do I have to pay upfront for veterinary fees with Kanguro?
Claims are submitted for reimbursement through Kanguro’s website or mobile app, or by emailing claims@kanguroseguro.com, and you will normally be reimbursed after Kanguro processes the claim. Kanguro provides fast claim handling and an in‑app submission flow to speed payouts. Kanguro lists a 24/7 Televet service for advice before or after treatment. Direct third‑party payment or guaranteed clinic direct‑pay options are N.C. — contact claims before treatment if you need an urgent payment arrangement.
How do I cancel my pet insurance policy with Kanguro?
To cancel, contact Kanguro via the website contact form, the app, by email, or by U.S. mail with your policy number and pet details and state your requested cancellation date. Include the policy number, pet name, and a signed request or confirmation as required by the insurer. Any premium refund or prorated balance will be handled according to your policy terms. The exact notice period and refund calculation are N.C.; ask customer service for the effect on your next billing cycle.
What are the waiting periods for accident and illness coverage?
Kanguro applies a 14‑day waiting period for accident coverage and a 14‑day waiting period for illness coverage. Knee and certain orthopedic conditions have an extended waiting period of six months. Waiting periods begin on the policy effective date and apply before those specific coverages become eligible for reimbursement.
What reimbursement rates and annual limits does Kanguro use?
Reimbursement is calculated on eligible veterinary expenses after any deductible and up to the plan’s annual maximum; the insurer pays the reimbursable percentage defined by the chosen plan. Specific reimbursement percentages and annual limits vary by plan and are N.C. for the plans listed here. Review your chosen plan’s schedule to confirm the exact reimbursement rate, deductible application, and annual cap.
Are pre‑existing conditions covered under Kanguro policies?
Pre‑existing conditions — any condition with signs, symptoms, or treatment before the policy start date or during a waiting period — are excluded from coverage. This exclusion includes chronic, bilateral, and intervertebral conditions and applies for the life of the condition. New unrelated conditions after the waiting period may be eligible for reimbursement under standard terms.
Does Kanguro provide telemedicine or 24/7 veterinary support?
Yes — Kanguro offers a “Televet 24/7” service accessible via the Kanguro app for video or chat consultations with a licensed veterinarian. This service is available day and night to help with questions and urgent advice, and can guide whether to seek in‑clinic care. Access and usage details are managed through the mobile app and account portal.
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