Kanguro Pet insurance coverage
At Kanguro, we believe every pet deserves great care—without surprises or hidden costs. That’s why we offer a simple plan with clear coverage, plus optional add-ons that adapt to your pet’s needs
Accident+ Illness
Wellness Add-On
This is your core policy. It protects your pet when it matters most—during unexpected accidents, illnesses, and chronic or genetic conditions.
This add-on helps you stay ahead of problems and cover regular checkups—without affecting your deductible.
All plans include
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24/7 free pet telemedicine with license vets
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Behavoiral treatment
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Holistic medicine
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Alternative therapies
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Prescription food + supplements
Where other plans stop, ours keeps going.
Premiere Care +
Accident&Illness + Wellness
Go beyond basics with added support for prevention and overall health. Get your wellness plan for routine care like checkups and vaccinations, with no deductible or waiting
Accident&Illness (Based on a : $500 deductible, $5,000 annual limit and 80% reimbursement)
24/7 Televet
Blood tests
Urinalysis
X-rays
CT scans
MRI
Ultrasound
Physical exams
Behavioral exams
Emergency
Hospitalization
Endodontic treatment (Up to $1,000/Year)
+
Surgery
Cancer treatments
Prosthetic limbs
Emergency room
Supplies for vet procedures
Speciality vet visit
Prescription med
Injections
Post-procedure
New behavioral issues
Holistic & Alternative
Therapies
Euthanasia (up to $1,000 year)
Lost or stolen (Up to $500)
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Wellness
1 Wellness exam (Up to $50)
1 Heartworm test (Up to $40)
Up to 3 vaccines (Up tp $75)
1 Fecal or parasite exam (Up to $35)
1 Bloodwork (Up to $65)
Heartworm/Flea/Tick (Up to $65)
One deworming (Up to $35)
Rotuine hygiene services (Up to $150)
Early Years Care +
Accident&Illness +
Wellness for Puppies
Made for puppies. Covers early-stage needs and allows you to add a Wellness plan for everyday care from the very beginning- simple, no waiting.
Accident&Illness (Based on a : $500 deductible, $5,000 annual limit and 80% reimbursement)
24/7 Televet
Blood tests
Urinalysis
X-rays
CT scans
MRI
Ultrasound
Physical exams
Behavioral exams
Emergency
Hospitalization
Endodontic treatment (Up to $1,000/Year)
+
Surgery
Cancer treatments
Prosthetic limbs
Emergency room
Supplies for vet procedures
Speciality vet visit
Prescription med
Injections
Post-procedure
New behavioral issues
Holistic & Alternative
Therapies
Euthanasia (up to $1,000 year)
Lost or stolen (Up to $500)
​
Wellness
Up to 2 Wellness exam (Up to $100)
1 Heartworm test (Up to $40)
Up to 6 vaccines /Booster (Up tp $150)
Up to 2 Fecal or parasite exam (Up to $70)
1 Bloodwork (Up to $65)
Spay/Neuter (Up to $120)
Microchip (Up to $40)
Heartworm/Flea/Tick (Up to $65)
One deworming (Up to $35)
During this period, you’re fully covered and can file claims for eligible expenses.
On Day 15, Kanguro will charge the credit card on file.
Note: Enrollment and activation fees will be included in this charge.
Free-Look Period
Enjoy a 14-day freelook period from the day you leave the store with your pet
Time to download
Download the Kanguro app and upload a photo of your pet.
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Use the app to access your policy details in real-time.
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Submit and track claims directly through the app.
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Don't settle for basic pet insurance.
Exclusive Benefits
Direct pay to Vet
we cover your vet bills directly.
Get financial peace of mind for your pet´s health
Preventive
$400-$480 for
essential pet care
Keep your pup
Healthy and happy
24/7 televet
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access to vets
via video or chat
Get a free assessment from certified vets without leaving home
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Policy Documents
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Deductible
This is the fixed amount you must pay out-of-pocket for vet bills before your insurance starts to cover the remaining costs. For example, if your deductible is $200, you’ll need to cover the first $200 of eligible expenses before reimbursement begins.
Reimbursement percentage
Once your deductible is met, Kanguro will reimburse you a set percentage of eligible vet bills. For example, if your reimbursement rate is 80%, Kanguro will cover 80% of your vet bills, and you’ll pay the remaining 20%.
Annual Limit
This is the maximum amount Kanguro will reimburse for eligible expenses in a policy year. For instance, if your annual limit is $10,000, Kanguro will cover up to $10,000 in claims for that year.
Frequently asked questions
What is pet insurance and how does it work?
Pet insurance helps pet owners manage the cost of dog ownership by covering a portion of medical expenses for pets. It covers vet bills whenever your furry family member gets hurt or feels sick. Without coverage, you could spend $28,000-34,000 on a single pet across their lifetime.
Where does Kanguro offer services?
Currently, Kanguro offers coverage in the following locations: Pet Insurance Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Louisiana, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Ohio, Oregon, South Carolina , Tennessee, Texas, Utah, Virginia, Washington DC Renters Insurance Georgia and Texas
I want Kanguro to stop processing my personal data. How can I do that?
Kanguro needs to use some of your personal data in order to provide you with the best services. If you’re no longer interested in being affiliated with Kanguro, simply close your account and all of your personal data will be deleted right away
I referred a friend. When will I get my reward?
Remember, you’ll only get a reward if your referral buys a policy. Once this happens, it can take up to 24 hours until you receive the Amazon gift card by email. If it’s a holiday or a weekend, the Amazon Gift Card will be delivered in the next business day.
Does renters insurance cover pets?
Renters insurance generally covers pet-related incidents under its liability coverage. For instance, if your pet injures someone or damages something in someone else’s property, the policy may help cover associated costs. However, damage caused by the pet in the rental unit itself is not covered. Additionally, some policies may exclude certain dog breeeds, so it’s important to check your specific policy details and consider additional coverage if needed.
Can I add another pet to my existing policy?
Yes! You can add up to 5 pets to the policy.
What is renters insurance and how does it work?
Renters insurance is specifically designed for tenants who want to cover their personal belongings, liabilities and additional living expenses they might be responsible in the event that their rental unit gets damaged. It usually protects against losses from events like theft, fire, and certain natural disasters, but typically excludes floods, earthquakes, and hurricanes.
What happens to the policy money that I isn’t used to pay claims?
Giving back is a core part of Kanguro. That’s why we empower our customers to support the causes they care about the most through their policies. When you buy your policy, you’ll get the option to donate part of the premium you don’t use toward the organization of your choice. Whether it’s climate change, animal shelters, or Hispanic community organizations, you get to decide exactly where the extra money goes.
How does the referral program work?
There are two ways to refer people to Kanguro: Open your app and select the Get a $25 Amazon Gift Card with Our Referral Program option. Once you get a referral, you can share it with any of your friends. Call us directly and give us the contact information of whoever you want to refer. Once the person you refer purchases a policy, you’ll get a reward through email
How many people can I refer to Kanguro?
You can refer as many people as you want to Kanguro.
How can compare pet insurance coverage with other providers?
Here’s a great comparison chart that details how Kanguro compares to other well-known competitors in the pet insurance field, like Nationwide, Healthy Paws, and more.
My question wasn’t answered. Who can I contact with additional questions?
Feel free to email us at customersupport@kanguroinsurance.com or give us a call at +1-888-546-5264.
Kanguro Insurance is a registered trademark property of Kanguro Insurance LLC. The information contained in this email is for illustrative purposes and coverage under any pet insurance and renters insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Coverage is subject to underwriting and approval, and may not be available for all risks or in all states. Rates and discounts vary, they are determined by many factors and are subject to change. Accident and illness coverages and the preventive and wellness plan and the renters insurance coverage is administered by Kanguro Insurance LLC as a managing general agent with offices at 1800 SW 1st Ave. Suite 407. Miami, FL 33129 and underwritten by Cimarron Insurance Company with offices in 7301 Carmel Executive Park Dr #102, Charlotte, NC 28226