Is Kanguro Pet Insurance Worth It? Expert Review 2025
Our Expert's Opinion on Kanguro
Kanguro stands out as a modern US digital-first pet insurer, offering a single comprehensive plan for dogs and cats with broad accident and illness coverage—including hereditary and chronic conditions—and an optional wellness rider for preventive care. The standard policy reimburses around 80% of eligible vet bills (post-annual deductible), and reimbursement ceilings, while sufficient for most everyday incidents, include specific caps for dental care and euthanasia ($1,000/year each). Kanguro’s 100% paperless onboarding, swift app-based claim processing (reported 2–4 days for most cases), and real-time claim tracking establish it among the most convenient insurtechs, on par with Lemonade or ManyPets but typically at a slightly higher starting price point ($55/month dogs, $35/month cats). It is especially attractive to owners of pedigree pets or those seeking hassle-free management, robust disease coverage, and fast reimbursements—though older pets (≥14 years) and animals under 6 weeks are ineligible. Kanguro leverages Cimarron Insurance’s solid backing; the company is a NAPHIA member and appears stable, though detailed financials (e.g. premium volume) are not disclosed. On Trustpilot, Kanguro is rated 4.3/5 from 301 reviews—above industry average, with strong marks for customer service and digital usability, but with some criticisms regarding occasional delays in wellness reimbursements and communication lapses. Most claims are handled within days, confirming a generally high standard of digital claims management in the market.
- ✅100% digital onboarding, claims, and reimbursements
- ✅Broad accident, illness, and hereditary coverage per standard US expectations
- ✅Optional wellness care, no waiting period or deductible for this rider
- ✅Fast claim turnarounds: most paid within 2–4 days
- ✅Strong mobile app experience (4.6/5 Google, 280+ reviews)
- ✅Above-average Trustpilot rating (4.3/5, 301 reviews)
- ✅Accessible to multi-pet households (up to 5 pets per policy)
- ❌Single standard plan only, no tiered options
- ❌Reimbursement and deductible details must be checked per policy
- ❌Specific annual limits for dental and euthanasia ($1,000)
- ❌Occasional wellness claim delays reported
- ❌No eligibility for pets aged 14+ or under 6 weeks
- ✅100% digital onboarding, claims, and reimbursements
- ✅Broad accident, illness, and hereditary coverage per standard US expectations
- ✅Optional wellness care, no waiting period or deductible for this rider
- ✅Fast claim turnarounds: most paid within 2–4 days
- ✅Strong mobile app experience (4.6/5 Google, 280+ reviews)
- ✅Above-average Trustpilot rating (4.3/5, 301 reviews)
- ✅Accessible to multi-pet households (up to 5 pets per policy)
Our Expert's Opinion on Kanguro
ScoreKanguro stands out as a modern US digital-first pet insurer, offering a single comprehensive plan for dogs and cats with broad accident and illness coverage—including hereditary and chronic conditions—and an optional wellness rider for preventive care. The standard policy reimburses around 80% of eligible vet bills (post-annual deductible), and reimbursement ceilings, while sufficient for most everyday incidents, include specific caps for dental care and euthanasia ($1,000/year each). Kanguro’s 100% paperless onboarding, swift app-based claim processing (reported 2–4 days for most cases), and real-time claim tracking establish it among the most convenient insurtechs, on par with Lemonade or ManyPets but typically at a slightly higher starting price point ($55/month dogs, $35/month cats). It is especially attractive to owners of pedigree pets or those seeking hassle-free management, robust disease coverage, and fast reimbursements—though older pets (≥14 years) and animals under 6 weeks are ineligible. Kanguro leverages Cimarron Insurance’s solid backing; the company is a NAPHIA member and appears stable, though detailed financials (e.g. premium volume) are not disclosed. On Trustpilot, Kanguro is rated 4.3/5 from 301 reviews—above industry average, with strong marks for customer service and digital usability, but with some criticisms regarding occasional delays in wellness reimbursements and communication lapses. Most claims are handled within days, confirming a generally high standard of digital claims management in the market.
- ✅100% digital onboarding, claims, and reimbursements
- ✅Broad accident, illness, and hereditary coverage per standard US expectations
- ✅Optional wellness care, no waiting period or deductible for this rider
- ✅Fast claim turnarounds: most paid within 2–4 days
- ✅Strong mobile app experience (4.6/5 Google, 280+ reviews)
- ✅Above-average Trustpilot rating (4.3/5, 301 reviews)
- ✅Accessible to multi-pet households (up to 5 pets per policy)
- ❌Single standard plan only, no tiered options
- ❌Reimbursement and deductible details must be checked per policy
- ❌Specific annual limits for dental and euthanasia ($1,000)
- ❌Occasional wellness claim delays reported
- ❌No eligibility for pets aged 14+ or under 6 weeks
- ✅100% digital onboarding, claims, and reimbursements
- ✅Broad accident, illness, and hereditary coverage per standard US expectations
- ✅Optional wellness care, no waiting period or deductible for this rider
- ✅Fast claim turnarounds: most paid within 2–4 days
- ✅Strong mobile app experience (4.6/5 Google, 280+ reviews)
- ✅Above-average Trustpilot rating (4.3/5, 301 reviews)
- ✅Accessible to multi-pet households (up to 5 pets per policy)
- Kanguro Warranties
- Kanguro Exclusions
- Kanguro rates
- Estimated monthly pricing for Kanguro pet insurance
- Kanguro Assistance
- Customer feedback on Kanguro
- How can I contact Kanguro?
- FAQ
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At HelloSafe, our pet insurance experts review policy terms and pricing from across the market every year to provide you with reliable, unbiased analysis. Thanks to this commitment, hundreds of thousands of users in the US trust us every month to help guide them through their most important financial decisions.
Kanguro Warranties
Kanguro offers a single comprehensive plan for dogs and cats, covering accidents, illnesses (including chronic and hereditary conditions), diagnostic tests, hospitalization, surgery, and end-of-life care, with reimbursement typically up to 80% after an annual deductible and subject to an annual limit.
The standout features include broad genetic and hereditary coverage, fully digital management, a fast claim process (average 2–4 days), and a unique option for wellness/preventive care (as a paid add-on with no deductible or waiting period).
Kanguro’s prevention add-on (routine vaccines, annual check-ups) provides extra value, though it is optional and comes with specific annual sub-limits.
Main limitations are the exclusion of alternative therapies, routine dental cleaning, behavioral/training care, and pre-existing conditions, as well as strict provider eligibility and age entry limits (over 6 weeks, under 14 years).
This offering differentiates Kanguro as an accessible, tech-forward provider for common and serious pet medical needs but less ideal if holistic, behavioral, or comprehensive dental benefits are essential.
| Guarantee / Coverage | Kanguro Base Plan (dogs/cats) | Preventive Care Add-on (option) |
|---|---|---|
| Positioning of formula | Single broad coverage, US-only | Optional routine/wellness coverage |
| Type of coverage | Accident & illness, incl. genetics | Vaccines, annual check-ups etc. |
| Animals covered | Dogs & cats, 6 weeks to | Dogs & cats, conditions above |
| Reimbursement rate (%) | 80% (indicative, confirm in contract) | NC |
| Annual reimbursement limit | NC | Specific sub-limits by benefit |
| Annual/per-incident deductible | Annual (amount NC) | ❌ (no deductible) |
| Age min/max to enroll (dogs) | 6 weeks min, 14 years max | 6 weeks min, 14 years max |
| Age min/max to enroll (cats) | 6 weeks min, 14 years max | 6 weeks min, 14 years max |
| Health questionnaire required? | NC | NC |
| Waiting period (illness) | 14 days | ❌ (none) |
| Waiting period (accident) | 14 days | ❌ (none) |
| Lifetime coverage once enrolled? | NC | NC |
| Vet consultations (regular, emergency, specialist) | ✅ medically necessary | ❌ unless for covered wellness |
| Medications | ✅ prescribed only | ❌ |
| Hospitalization | ✅ medically necessary | ❌ |
| Ambulance fees | ✅ medically necessary | ❌ |
| Surgery, anesthesia | ✅ medically necessary | ❌ |
| Scans (MRI, CT), ultrasound | ✅ if justified/necessary | ❌ |
| Lab analysis | ✅ medically necessary | ❌ |
| Radiotherapy | ✅ if indicated (e.g. cancer) | ❌ |
| Dental care (illness/accident-related only) | ✅ up to $1,000/year (medically necessary) | ❌ |
| Routine scaling/cleaning | ❌ | ❌ |
| Preventive care package | ❌ | ✅ (vaccines, annual checks; limits apply) |
| Complementary medicine (osteo, acupuncture, etc.) | ❌ | ❌ |
| Prescription diet/therapeutic food | ❌ | ❌ |
| Coverage outside the US | ❌ US only | ❌ US only |
| Death / cremation (covered reason only) | ✅ up to $1,000/year | ❌ |
| Euthanasia (medical reason only) | ✅ up to $1,000/year | ❌ |
| Theft/loss/search and reward | ❌ | ❌ |
| Boarding/kennel fees (owner hospitalization etc.) | ❌ | ❌ |
Good to know
- The annual benefit limit, co-insurance percentage, and deductible amount are determined at contract signature and must be checked on your policy.
- Pre-existing conditions, routine dental cleaning, behavior and training, holistic/experimental therapies, and costs not deemed medically necessary are excluded from both plans.
- Claims must be filed within 90 days, and only care provided by licensed US veterinarians is eligible.
- Only one franchise (deductible) applies per year; after it is met, coverage continues up to the annual limit.
- Maximum 5 pets per Kanguro policy; each pet needs a separate contract.
- No coverage for pets under 6 weeks or those reaching 14 years at start of coverage; coverage territory is US only.
For the best value, compare Kanguro’s benefits, exclusions, and digital claims experience with other pet insurance providers before you decide.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Kanguro Exclusions
Kanguro's contract exclusions are generally aligned with the US market, but a few specifics stand out for prospective policyholders. Routine dental care—including exam, cleaning, and scaling—is universally excluded, but unlike some competitors, Kanguro is strict about not covering any elective or cosmetic procedures, and will not pay for reproduction-related interventions or for any type of behavioral treatment (including training).
All coverage is strictly limited to services from US-licensed vets and does not extend to treatments abroad or to unlicensed providers, an operational boundary to note for frequent travelers. Medical negligence, preventable illnesses due to missed core vaccinations, or lack of routine preventative care are also strictly not reimbursed, which is a firm stance compared to some rivals.
Other stringent criteria include no coverage for animals under 6 weeks or age 14+, alternative/experimental treatments (including CBD, cloning), and an absolute ban on claims for pre-existing conditions or for pets swapped under the contract.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (before enrollment or during waiting periods) - Routine dental care (exam, cleaning, scaling) - Preventable illnesses, lack of vaccinations - Non-medically necessary care - Preventative care (unless option selected) - Treatments for asymptomatic pets - Any treatment covered by another policy |
| Age and animal status | - Pets under 6 weeks old or 14 years and older - Contract cannot be transferred to another animal |
| Provider and location | - Treatments provided outside the United States - Care by non-US-licensed veterinarians or facilities - Services without required medical documents |
| Type of treatments | - Elective/cosmetic procedures - Non-essential surgery (e.g., declawing, tail docking, ear crop) - Reproductive interventions (spaying/neutering, breeding, pregnancy, whelping) - Behavioral/training treatments - Boarding, transport, pet food, vitamins (unless prescription), non-prescription supplements |
| Experimental/alternative therapies | - CBD, aromatherapy, herbal or alternative medicine - Experimental or clinical trial treatments - Cloning or genetically modified pets - Experimental research participation |
| Administrative | - Claims without complete medical/proof documents - Services not declared within policy deadlines - Care provided outside policy dates or after coverage cancellation |
- Routine dental care (exam, cleaning, scaling)
- Preventable illnesses, lack of vaccinations
- Non-medically necessary care
- Preventative care (unless option selected)
- Treatments for asymptomatic pets
- Any treatment covered by another policy
- Contract cannot be transferred to another animal
- Care by non-US-licensed veterinarians or facilities
- Services without required medical documents
- Non-essential surgery (e.g., declawing, tail docking, ear crop)
- Reproductive interventions (spaying/neutering, breeding, pregnancy, whelping)
- Behavioral/training treatments
- Boarding, transport, pet food, vitamins (unless prescription), non-prescription supplements
- Experimental or clinical trial treatments
- Cloning or genetically modified pets
- Experimental research participation
- Services not declared within policy deadlines
- Care provided outside policy dates or after coverage cancellation
Kanguro rates
Overall, Kanguro holds a mid-range price positioning, with insurance premium levels slightly below the sector average for comparable broad medical coverage and digital-first service. Coverage is comprehensive—accidents, illnesses, hereditary and chronic conditions—matching many full-service competitors but with strict annual limits and specific caps on dental and euthanasia, plus notable exclusions for pre-existing and routine care.
The annual deductible is standard, and reimbursement is set at 80%, which aligns with typical US market offerings but does not reach the highest available reimbursement or low-deductible options.
Kanguro’s 100% digital customer journey—including claim filing and 24/7 support—offers operational efficiency, helping contain pricing compared to traditional insurers, yet without the most aggressive low-cost segment approach.
Optional wellness (preventive) benefits are strictly capped and require an added premium, so buyers seeking extensive preventive or “first dollar” cover will note functional limitations.
Kanguro thus appeals to pet owners seeking a balanced price/coverage solution with ease of use, situated between pure budget players (with limited cover) and the more expensive, “premium” US providers.
Estimated monthly pricing for Kanguro pet insurance
Below is an estimated price table per month (USD) for Kanguro pet insurance by pet type and age, assuming their single core plan (with optional prevention as add-on):
| Base Medical Coverage | Base + Preventive Care Option | |
|---|---|---|
| Young cat (2–4 yrs) | $35/mo | $47/mo |
| Senior cat (7–8 yrs) | $49/mo | $62/mo |
| Small dog | $55/mo | $69/mo |
| Small dog (2–4 yrs) | $55/mo | $69/mo |
| Large dog (2–4 yrs) | $62/mo | $79/mo |
| Senior dog (7–8 yrs) | $75/mo | $95/mo |
Compare multiple providers to ensure you get the most suitable coverage and the best rate for your pet’s profile.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Kanguro promo codes
| Kanguro Promo Codes | Details |
|---|---|
| HelloSafe | -5% on your quote |
How much will I be reimbursed with Kanguro?
With Kanguro, your pet’s eligible veterinary bills are reimbursed quickly after you submit your claim: simply pay the vet, send in your bill, and get back up to 80% of covered costs after the annual deductible is met. This means big savings from your very first incident, and even bigger peace of mind for you and your furry friend.
Example 1: Emergency Treatment for Swallowed Toy
Total vet bill: $1,300 (ER consultation, x-rays, anesthesia, endoscopic removal of toy)
Annual deductible to subtract: $250 (first covered expense of the policy year)
Amount eligible for reimbursement: $1,300 – $250 = $1,050
80% reimbursed with Kanguro: $1,050 × 80% = $840
👉 You are reimbursed $840.
The amount you pay out of pocket: $460
ℹ️ The deductible is subtracted only once per year; next claims will be reimbursed at 80% until the annual limit is reached.
Example 2: Surgery and Hospitalization for Torn Cruciate Ligament
Total vet bill: $3,900 (surgery, 2-day hospitalization, pain medications, post-op checkup)
Deductible already paid with a previous claim
Amount eligible for reimbursement: $3,900
80% reimbursed with Kanguro: $3,900 × 80% = $3,120
👉 You are reimbursed $3,120.
You only pay the remaining $780 out of pocket.
ℹ️ Kanguro covers major surgeries and post-op care as long as annual maximum isn’t reached. Claims must be for new issues (not pre-existing conditions).
Example 3: Wellness visit and vaccinations (with Preventive Care option)
Total preventive care bill: $220 (annual exam, core vaccine, parasite screening)
Deductible & waiting period: $0 (preventive care claims don’t apply the deductible or waiting period)
Maximum annual reimbursement for preventive care (per policy): $250
👉 You are reimbursed $220 for these wellness expenses.
ℹ️ Preventive care is an optional add-on with a capped annual payout and is a smart way to keep your pet protected and your routine vet bills low.
Kanguro Assistance
Kanguro delivers fully digital claims management, allowing for quick claim filing and real-time tracking through their highly rated mobile app, which simplifies access to support and speeds up reimbursement. The application offers 24/7 access to both AI and live agents, but there is no mention of direct veterinary teleconsultation or any integrated emergency veterinary network, which can leave gaps during critical situations. Advance payment of veterinary bills—where the insurer pays the vet directly, as with solutions like Petcard or Carecredit—is not available, so policyholders must pay out of pocket first and wait for reimbursement. The insurance only reimburses care delivered by licensed U.S. veterinarians, with no coverage for services performed abroad or for extended trips outside the U.S. While customer feedback highlights fast and responsive support, recurring reports of delays or gaps in wellness reimbursements and some communication issues are areas for improvement.
| Assistance Kanguro | Disponible ? | Détails |
|---|---|---|
| Advance of veterinary fees | ❌ | No system for direct-to-clinic payment (e.g. Payvet, Carecredit). Pet owner pays vet first, then is reimbursed after claim approval (usually 2–4 days). |
| Payment facilities | ❌ | No mention of deferred payment or installment plan for premiums or veterinary expenses. |
| Mobile application | ✅ | Dedicated app for Android/iOS (4.7/5, 4.6/5 Google). Allows 24/7 claim submission, tracking, support chat, referral program. App praised for ease of use. |
| Dematerialized reimbursement management | ✅ | All claims filed and tracked digitally via the app or web client area. Claims processed within 2–4 days if documents provided. |
| Veterinary emergency services | ❌ | No dedicated 24/7 veterinary emergency or teleconsultation service. 24/7 support is limited to customer service/chat, not medical advice or triage. |
| Clinic and veterinarian network | ❌ | No partner veterinary network—members may consult any licensed U.S. vet; no negotiated rates or preferred partners. |
| Coverage abroad | ❌ | Valid only for care provided by licensed U.S. veterinarians, within the U.S.; no coverage during international travel or for treatment outside the U.S. |
Customer feedback on Kanguro
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.3/5 (301 reviews) |
| Google Play Store | 4.6/5 (280+ reviews) |
| Kanguro App (in-app) | 4.7/5 (rating, platform unspecified) |
We have analyzed the reviews from the sites listed above. On the positive side, Kanguro customers who have purchased pet insurance often mention the following:
- The customer service is friendly, professional, and available: many reviews highlight that staff members, often by name, provide courteous support and quick answers to questions.
- The claims process is fast and easy: users frequently report that submitting a claim is straightforward via the app or website and that average processing times are short (about 2–4 days), bringing peace of mind.
- A fully digital management experience: the Kanguro app and website are described as user-friendly and accessible, with helpful tools for claim tracking and service management.
- The wellness/preventive care options are appreciated: customers value the availability of wellness plans that reimburse routine care, annual check-ups, and vaccinations, simplifying preventive pet health management.
- The overall value for money: multiple reviews note that insurance offers good coverage and reliable reimbursement at reasonable monthly prices, especially when compared to high out-of-pocket veterinary costs.
- Bilingual support and community initiatives: customers appreciate the support provided in both English and Spanish as well as Kanguro’s programs for giving back to community and pet causes.
On the negative side:
- Several users report reimbursement delays or denied claims: these concerns especially affect wellness or preventive care, where customers state slow payment or incomplete reimbursement despite claims being marked “paid” online.
- Communication issues are mentioned: some policyholders experience difficulty in reaching customer support, particularly for cancellations, refunds, or follow-ups about pending claims.
- Frustrations with certain exclusions and policy details: some customers are surprised by limits or denied coverage for congenital, hereditary, or specific conditions and certain procedures required for surgeries.
- Problems with refunds after cancellation: a number of reviews describe complications in obtaining prorated refunds when terminating the policy or when claims have not been filed.
- Partial or confusing claim payments: a few clients indicate cases where claims appear as “paid” in the app or website, but the actual reimbursement hasn’t yet arrived, leading to frustration and the need for repeated contact.
- The response rate to negative feedback: although Kanguro replies to some negative reviews, their rate of direct follow-up is not as high as some competitors and can take up to one week.
How can I contact Kanguro?
| Service client Kanguro | Détails |
|---|---|
| To get a quote or subscribe online | You can use HelloSafe's 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 directly via the Kanguro app or on the website www.kanguroseguro.com (claims section). You can also send a request by email to [email protected] or by mail to 1800 SW 1st Ave, Suite 407, Miami, FL 33129, USA. Attach paid invoices, veterinary reports, and the medical record from the last 12 months (for the first claim). The claim must be submitted within 90 days of the veterinary procedure. The reimbursement (average 80%) is made via bank transfer or check within 2 to 4 business days on average after the claim is approved. |
| To obtain a certificate of insurance | Request it via the Kanguro app or contact customer service by email: [email protected], or by phone: +1 888 546 5264. You can also use the form on www.kanguroseguro.com/contact-us. The certificate can be sent by email within a few business days. |
| To contact assistance | Assistance available 24/7 via the mobile app (chat or veterinary teleconsultation). You can reach customer service by phone at +1 888 546 5264 (Mon–Fri 9am–7pm, Sat 10am–2pm, Eastern time), or by email: [email protected]. Assistance also possible through the website www.kanguroseguro.com. |
| To terminate my contract | Send a written request (email or mail) to [email protected] or to the postal address: 1800 SW 1st Ave, Suite 407, Miami, FL 33129, USA. Include your contact details, contract number, and the termination request. No mandatory notice, termination possible at any time; for a full refund, submit the request within 30 days after subscription if no claim has been filed. Otherwise, refund will be prorated for the remaining months. Documents to attach: ID and proof of subscription. A confirmation email of the termination will be sent within a maximum of 10 business days. |
You can also send a request by email to [email protected] or by mail to 1800 SW 1st Ave, Suite 407, Miami, FL 33129, USA.
Attach paid invoices, veterinary reports, and the medical record from the last 12 months (for the first claim).
The claim must be submitted within 90 days of the veterinary procedure.
The reimbursement (average 80%) is made via bank transfer or check within 2 to 4 business days on average after the claim is approved.
You can also use the form on www.kanguroseguro.com/contact-us.
The certificate can be sent by email within a few business days.
You can reach customer service by phone at +1 888 546 5264 (Mon–Fri 9am–7pm, Sat 10am–2pm, Eastern time), or by email: [email protected].
Assistance also possible through the website www.kanguroseguro.com.
Include your contact details, contract number, and the termination request.
No mandatory notice, termination possible at any time; for a full refund, submit the request within 30 days after subscription if no claim has been filed.
Otherwise, refund will be prorated for the remaining months.
Documents to attach: ID and proof of subscription.
A confirmation email of the termination will be sent within a maximum of 10 business days.
FAQ
Do I need to pay the veterinarian upfront with Kanguro?
With Kanguro, you will need to pay your veterinarian directly at the time of service. Kanguro does not offer a direct-pay or "pay vet" system; instead, you submit your paid invoice and other required documents through their app or website for reimbursement after the visit. Claims are typically processed within 2–4 days, and approved reimbursements are sent by direct deposit or check.
How can I cancel my Kanguro pet insurance policy?
You can cancel your Kanguro pet insurance at any time by contacting customer support via email, phone, app, or the website contact form. If you cancel within the first 30 days and haven't filed a claim, you will receive a full refund; otherwise, a prorated refund applies. Make sure to include your policy details and a written cancellation request.
What does Kanguro pet insurance cover and what are the main exclusions?
Kanguro covers a wide range of veterinary costs related to accidents, illnesses, chronic or hereditary conditions, diagnostics, surgery, hospitalization, and prescribed medications. However, pre-existing conditions, routine dental care, elective and cosmetic procedures, experimental treatments, and preventive care (unless you select the optional wellness add-on) are not covered. Always check the policy for specific limitations and exclusions.
Are there waiting periods before Kanguro coverage starts?
Yes, there are waiting periods: 14 days for accidents and illnesses, and 6 months for certain knee or ligament issues (which may be reduced with proof of prior health). Coverage for dermatological conditions with prior symptoms may require a 12-month symptom-free period. Wellness/preventive care options, if selected, have no waiting period or deductible.
How fast are claims processed and how will I get reimbursed?
Once you submit your claim online or via the app, Kanguro processes most claims within 2 to 4 business days. If your claim is approved, you’ll receive reimbursement by direct deposit or check, depending on your preference. You can track claim status in real time through the app, and support is available if you need help or have questions.
Do I need to pay the veterinarian upfront with Kanguro?
With Kanguro, you will need to pay your veterinarian directly at the time of service. Kanguro does not offer a direct-pay or "pay vet" system; instead, you submit your paid invoice and other required documents through their app or website for reimbursement after the visit. Claims are typically processed within 2–4 days, and approved reimbursements are sent by direct deposit or check.
How can I cancel my Kanguro pet insurance policy?
You can cancel your Kanguro pet insurance at any time by contacting customer support via email, phone, app, or the website contact form. If you cancel within the first 30 days and haven't filed a claim, you will receive a full refund; otherwise, a prorated refund applies. Make sure to include your policy details and a written cancellation request.
What does Kanguro pet insurance cover and what are the main exclusions?
Kanguro covers a wide range of veterinary costs related to accidents, illnesses, chronic or hereditary conditions, diagnostics, surgery, hospitalization, and prescribed medications. However, pre-existing conditions, routine dental care, elective and cosmetic procedures, experimental treatments, and preventive care (unless you select the optional wellness add-on) are not covered. Always check the policy for specific limitations and exclusions.
Are there waiting periods before Kanguro coverage starts?
Yes, there are waiting periods: 14 days for accidents and illnesses, and 6 months for certain knee or ligament issues (which may be reduced with proof of prior health). Coverage for dermatological conditions with prior symptoms may require a 12-month symptom-free period. Wellness/preventive care options, if selected, have no waiting period or deductible.
How fast are claims processed and how will I get reimbursed?
Once you submit your claim online or via the app, Kanguro processes most claims within 2 to 4 business days. If your claim is approved, you’ll receive reimbursement by direct deposit or check, depending on your preference. You can track claim status in real time through the app, and support is available if you need help or have questions.
