Accident & Illness Pet Insurance for Dogs & Cats
Some health situations are easy to manage, while others can happen unexpectedly and require immediate care.
Your Kanguro Insurance plan is designed to help you feel prepared for those moments, giving you support for accidents, illnesses, and more complex medical situations that may come up throughout your pet’s life.
What's Included in the Essential Care Plan
Coverage
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Hospitalization
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Medications
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Genetic Conditions
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Behavioral Therapy
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Holistic Medicine
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Alternative Therapies
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Prescription Food/Supplements
Accidents & illnesses:
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Reimbursement rates: 70%, 80% o 90%
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Deductible range: $200 to $1,000
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Annual limit range: $5,000 to unlimited!*
* Does not include: Pre-existing conditions Vaccination Wellness Exam Routine hygiene Services Spay - Neuter Microchip
Additional Benefits Included with Your Policy
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Cashback rewards through Kanguro's partner, Wellfold
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Direct payment to the veterinary clinic for eligible invoices over $900
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Earn a $30 Amazon gift card for every friend or family member you refer
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Up to $500 in assistance if your pet becomes lost
When Can You Start Using Your Coverage?
Coverage becomes available after the following waiting periods:
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Accident coverage: Starts after 2 days
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Illness coverage: Starts after 14 days
Pet Parents Who Chose the Best Pet Insurance for Their Pets
Every pet owner wants the best care for their furry family members. Discover why so many pet parents chose Kanguro and what they value most about their experience.
Why Pet Owners Choose Kanguro Insurance's Essential Care
Essential Care helps pet owners prepare for the unexpected with coverage designed for accidents and illnesses. Available across multiple U.S. states, including Texas, Florida, Georgia, Arizona, Colorado, North Carolina, Virginia, Tennessee, Ohio, Oregon, New Mexico, and many others, the plan provides flexible coverage options, a simple digital experience, and support when veterinary care is needed most.
Accident & Illness Coverage
Get reimbursed for eligible veterinary expenses related to accidents, illnesses, hospitalizations, surgeries, medications, and diagnostic testing.
Visit Any Licensed Veterinarian
Visit any licensed veterinarian in the United States and receive care from the provider you trust most.
Unlimited 24/7 TeleVet Access
Connect with licensed veterinarians through unlimited virtual consultations and get guidance whenever questions or health concerns arise.
Direct Vet Pay for Eligible Claims
For qualifying invoices over $900, Kanguro can pay the veterinary clinic directly to help simplify larger expenses.
Flexible Coverage Options
Customize your reimbursement rate, deductible, and annual coverage limit to match your budget and coverage preferences.
Bilingual Support and Easy Claims
Manage your policy online and receive support in both English and Spanish throughout the claims process.
Is Kanguro's Essential Care Plan Right for Your Pet?
Kanguro Insurance's Essential Care Plan is designed for:
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Pet owners looking for protection against unexpected accidents and illnesses
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Dogs and cats of all ages
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Families who want help managing unexpected veterinary expenses
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Pet parents seeking coverage for surgeries, medications, and diagnostic testing
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Owners who value access to 24/7 TeleVet support
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Anyone looking for flexible pet insurance coverage that fits their budget
Essential Care helps cover eligible veterinary expenses related to accidents and illnesses, including hospitalizations, surgeries, medications, diagnostic testing, and specialist care. With customizable coverage options and access to licensed veterinarians nationwide, the plan helps pet owners feel prepared when unexpected health issues arise.
Common Accident and Illness Expenses for Pets
Even healthy pets can experience unexpected injuries or illnesses that require veterinary care. Treatment costs can vary depending on the condition, the type of care needed, and the length of recovery.
Common veterinary expenses may include:
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Emergency veterinary visits
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Diagnostic testing and imaging
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Hospitalization
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Surgical procedures
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Prescription medications
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Specialist consultations
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Treatment for infections and illnesses
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Follow-up appointments
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Chronic condition management
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Accident-related care
Unexpected veterinary bills can arise at any stage of a pet's life. Essential Care helps provide financial support for eligible accident and illness expenses, making it easier to focus on your pet's recovery when care is needed most.
Which Kanguro Pet Insurance Plan Fits Your Pet's Needs?
Essential Care
Provides coverage for accidents and illnesses, helping pet owners manage unexpected veterinary expenses, diagnostic services, and ongoing healthcare needs.
Premier Care+
Combines accident and illness protection with preventive care benefits, offering support for both routine wellness services and unexpected health concerns.
Early Years Care+
Designed for puppies and kittens under 36 months, including wellness benefits, booster shots, microchipping, and spay/neuter coverage.
Compare Kanguro Pet Insurance Plans
Choosing the right pet insurance plan depends on your pet's age, healthcare needs, and whether you want preventive care included. Here's a side-by-side comparison of Kanguro's three most popular plans.
How Kanguro Pet Insurance Works
Sign up quickly and manage everything online, with no complicated steps.
Get Your Quote
Tell us about your pet and receive a customized quote in seconds.
Customize Your Plan
Choose the deductible, reimbursement rate, and coverage that work best for you.
Enroll & Get Protected
Sign up online in minutes and use your coverage at any licensed veterinarian. Submit claims easily through our secure platform.
Protect My Pet Before the Unexpected Happens
Unexpected medical situations can happen at any stage of your pet’s life. Having coverage in place helps you focus on getting your dog or cat the care they need without added financial stress during critical moments.
This type of protection gives you peace of mind knowing support is already there when something unexpected happens.