Pet Insurance for Dogs & Cats

Pet insurance helps dog and cat owners manage the cost of unexpected veterinary bills by covering a portion of eligible medical expenses whenever a pet gets sick or injured. It works similarly to health insurance for humans: you take your pet to any licensed veterinarian, pay the bill, then submit a claim through the Kanguro app and receive reimbursement of up to 90% of covered costs. Kanguro's base plan covers accidents and illnesses — including surgery, cancer treatment, emergency care, X-rays, and prescription medications. An optional Wellness & Preventive add-on covers routine exams, vaccinations, and preventive medications for an additional monthly fee. Without pet insurance, a single dog or cat can cost $28,000–$34,000 in vet bills over their lifetime. A single emergency visit for a broken bone or foreign-body ingestion can exceed $3,000–$5,000. Pet insurance protects your savings and ensures your pet always gets the care they need, not just what you can afford.

Kanguro pet insurance is currently available in 28 states and Washington DC: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington DC, and Wisconsin. Coverage is underwritten by Cimarron Insurance Company and administered by Kanguro Insurance LLC, headquartered in Miami, Florida. Kanguro is expanding to new states regularly — visit kanguroinsurance.com to check current availability in your state.

Kanguro offers several advantages over other major pet insurance providers: Up to 90% reimbursement — among the highest in the industry 10% multi-pet discount for up to 5 pets on a single policy Free 24/7 Televet consultations included in every plan (connect with a licensed vet via video or chat at no extra cost) Fastest claim turnaround in the industry — file entirely through the Kanguro app Covers hereditary and genetic conditions (hip dysplasia, elbow dysplasia, blood disorders) — excluded by some competitors Bilingual support (English & Spanish), Monday–Friday 9am–7pm EST and Saturday 10am–2pm EST NAPHIA member — committed to transparent, high-quality coverage standards Unlike some providers, Kanguro does not require you to use a network of vets — you can visit any licensed veterinarianin the US.

Yes! You can insure up to 5 pets (dogs and/or cats) under a single Kanguro policy. Each additional pet qualifies for a 10% multi-pet discount, making Kanguro one of the most affordable options for multi-pet households. All pets are managed from a single account through the Kanguro mobile app, where you can file claims, access Televet, and track reimbursements for every pet in one place.

Renters insurance and pet insurance cover different things. It's important not to confuse them. Renters insurance (Kanguro offers this too) covers liability if your pet injures another person or damages someone else's property. For example, if your dog bites a neighbor or your cat knocks over and breaks something in a guest's home, your renters policy may cover associated legal and medical costs. However, renters insurance does not cover: Veterinary bills for your pet Damage your pet causes to your own rental unit Your pet's medical conditions or injuries For vet cost coverage, you need a separate Kanguro pet insurance policy. Note that some renters insurance policies exclude certain high-risk dog breeds, review your specific policy or speak with a Kanguro agent.