What Is a Pet Insurance Claim?
A pet insurance claim is a request for reimbursement of eligible veterinary expenses after your pet receives medical care. With Kanguro Insurance, you can submit claims digitally through the mobile app and receive reimbursement based on your policy's coverage, deductible, and reimbursement percentage.
Why File Your Pet Insurance Claims with
Kanguro Insurance?
3.5 business days
Average claims processing time after required documentation is received.
Up to 90% reimbursement
Choose from 70%, 80%, or 90% reimbursement for eligible accident and illness expenses.
Direct Pay options
Available for eligible veterinary bills over $900, subject to program requirements.
Digital claim tracking
Follow your claim's progress directly from the Kanguro Insurance app.
Real human support
Our team is here to help whenever you need assistance.
How to File a Pet Insurance Claim in 3 Steps
Filing a pet insurance claim with Kanguro Insurance is easy.
Follow these three steps after your pet receives veterinary care.
1. Open the Kanguro app
Log in to your account and navigate to the Claims section to start a new pet insurance claim.
2. Submit Your Documents
Upload your itemized vet invoice and your pet's medical records. Chat with Kanguro's virtual assistant, who will guide you through the claims process.
3. Track Your Claim and Reimbursement
After submitting your claim, monitor its progress directly in the app.
How Does the Kanguro Insurance Claims Process Work?
From your veterinary visit to reimbursement, the claims process follows five main stages:
How reimbursement works on accident and illness claims
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Kanguro Insurance reimburses 70%, 80% or 90% of eligible veterinary expenses, depending on the plan you chose.
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Reimbursement applies after your annual deductible ($200–$1,000) is met. Your deductible applies once per policy year, not per claim.
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Annual limits range from $5,000 to unlimited, depending on your plan.
Example. An eligible vet bill of $1,000, your annual deductible already met, and a plan that reimburses 80%:
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Eligible veterinary expense: $1,000
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Kanguro reimburses: $800
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Your share: $200
How reimbursement works on wellness claims
If you have Premier Care+ or Early Years Care+, routine and preventive care—such as wellness exams, vaccinations, parasite testing, and other covered preventive services—is handled under your wellness benefits.
Here's what makes wellness claims different:
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Eligible preventive services are reimbursed under the wellness benefit included with your plan.
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Each covered service has its own benefit limit.
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Think of wellness coverage as a separate set of benefits designed for routine care, while accident and illness coverage is there for unexpected medical problem]
Direct Pay for bigger bills
Can Kanguro Insurance Pay My Veterinarian Directly?
Kanguro Insurance offers a Direct Pay option for eligible veterinary bills over $900, helping reduce the amount you may need to pay upfront.
When Direct Pay is available and approved, Kanguro Insurance can pay eligible covered expenses directly to the veterinary provider.
You remain responsible for applicable deductibles, coinsurance, non-covered expenses, and any amount not approved for Direct Pay.
When Can You Start Filing Kanguro Pet Insurance Claims?
Accidents
2 days after your start date
Illnesses
14 days after your start date
Preventive
24 hrs
What Veterinary Expenses Can Be Covered by Pet Insurance?
Common claim scenarios
The filing process is the same three steps no matter what happened.
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Accident-related injuries: Fractures, accidental ingestion, and emergency veterinary treatment.
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Illnesses: Eligible infections, allergies, and other covered medical conditions.
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Diagnostic testing: X-rays, ultrasounds, blood tests, MRIs, and CT scans.
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Emergency care: Eligible emergency veterinary visits and hospitalization.
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Surgery: Covered surgical procedures related to eligible accidents or illnesses.
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Cancer treatment: Eligible diagnostics and medical treatments.
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Dental conditions: Certain covered dental injuries and illnesses.
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Preventive care: Eligible wellness services under a qualifying add-on.
Coverage depends on your specific policy, including exclusions, limitations, waiting periods, and applicable benefit limits.
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Frequently
Asked Questions
About Pet Insurance Claims
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