Best Pet Insurance for Fast Claims and High Payouts
Updated: Oct 9
Pet insurance can help you manage eligible vet costs when your dog or cat needs care.
But not all policies work the same way. These details can change which plan is right for you:
Reimbursement levels
Deductibles
Annual limits
Waiting periods
Claims process
Access to vet care
Are you comparing pet insurance for frequent vet visits, tests, major treatments, or emergencies? Here are the key features to check, and where Kanguro Insurance stands out.
What to Look for in Pet Insurance
Before choosing a policy, compare these factors:
High reimbursement rates: Pick a rate that fits your budget and coverage needs.
Accident and illness coverage: Know which conditions and treatments are eligible.
Chronic condition coverage: Check which ones are included and if coverage is limited.
Cancer treatment and surgery coverage: See how the plan handles eligible cancer care and surgery.
24/7 online vet access: Get vet advice outside regular clinic visits.
Easy online claims: Send eligible vet bills online, without paperwork.
How claims are paid: Some insurers pay you back after you pay the vet. Others may pay the clinic directly for eligible bills.
Extra perks: Look for benefits that make pet care easier beyond the coverage itself.
#1. Kanguro Insurance — Best for High Reimbursement and Direct Pay
Kanguro's pet insurance starts with the Essential Care plan. It helps cover eligible vet costs from unexpected accidents and illnesses. You can then add optional wellness add-ons based on your pet's needs.
Essential Care
Essential Care helps cover eligible vet costs from unexpected accidents and illnesses. Covered services include:
Specialty and emergency care
Cancer treatment
MRIs
Dental illness
Respiratory conditions
Eye disorders
Blood disorders
Cremation
You can choose your:
Reimbursement: 70%, 80%, or 90%
Deductible: $200 to $1,000
Annual limit: $5,000 to unlimited
Essential Care does not cover pre-existing conditions, vaccinations, wellness exams, routine hygiene services, spay/neuter, or microchips.
Customize Essential Care With Wellness Add-ons
Kanguro also offers optional wellness add-ons that can be added to Essential Care for additional preventive and routine care benefits.
Premier Care+
Premier Care+ adds coverage for preventive care and routine medical attention, including:
Vaccinations
Wellness exams
Parasite tests
Heartworm tests
Deworming
Blood tests
Flea medication
Routine care
Premier Care+ does not cover pre-existing conditions, spay/neuter, or microchips.
Early Years Care+
Early Years Care+ is a wellness add-on for pets under 3 years old. It includes:
Vaccinations
Wellness exams
Spay/neuter
Microchip
Deworming
Blood tests
Parasite tests
Flea medication
Early Years Care+ does not cover pre-existing conditions or routine hygiene services.
Together, these options allow pet owners to start with Essential Care and add the wellness coverage that fits their pet's needs.
Why Kanguro Insurance Stands Out
One of Kanguro's key differentiators is its Direct Pay option.
For eligible bills over $900, Kanguro pays the vet clinic directly. With traditional reimbursement, you usually pay the clinic first. Then you wait to be paid back.
This can be an important consideration when comparing pet insurance for unexpected veterinary expenses.
24/7 TeleVet and Bilingual Service
Kanguro includes access to 24/7 Telemedicine, giving policyholders access to online veterinary support whenever they need it.
Kanguro Insurance also offers bilingual service in English and Spanish, making it easier for pet owners to access support in their preferred language.
Additional Perks for Pet Owners
Beyond insurance coverage, Kanguro Insurance offers additional benefits designed to make pet care more convenient. These include:
24/7 TeleVet for online veterinary access
Visit Any Licensed Vet, giving pet owners the flexibility to choose a licensed veterinarian
Direct Pay on eligible bills over $900
Fast Digital Claims for submitting claims online
Cashback rewards
10% multi-pet discount
Discounts on pet products
These perks can be another factor to consider when comparing Kanguro with other pet insurance options.
Waiting Periods
Kanguro's standard waiting periods are:
Illnesses: 14 days, meaning coverage begins on day 15.
Accidents: 2 days, meaning coverage begins on day 3.
Early Years Care+: Preventive benefits become active the following day.
How Kanguro Insurance Compares When You're Shopping for Pet Insurance
Don't compare plans by monthly price alone. Look at the actual policy terms:
Reimbursement options
Deductibles
Annual limits
Covered conditions
Waiting periods
Vet access
How eligible claims are paid
For pet owners who prioritize high reimbursement rates, Kanguro offers 70%, 80%, and 90% reimbursement options.
For owners concerned about large veterinary bills, annual limits range from $5,000 to unlimited, depending on the selected coverage.
For eligible vet bills over $900, Kanguro's Direct Pay sends the payment straight to the clinic. You don't have to pay the full bill first and wait to be paid back.
Kanguro Insurance also combines its insurance coverage with 24/7 TeleVet, bilingual English and Spanish service, Visit Any Licensed Vet, Fast Digital Claims, cashback rewards, and a 10% multi-pet discount.
Which Pet Insurance Is Right for You?
The best pet insurance depends on what matters most to you and your pet.
Kanguro is worth considering if you want:
High reimbursement rates
Accident and illness coverage
Coverage for eligible chronic conditions
Cancer treatment and surgery
Emergency and specialty care
24/7 TeleVet
Bilingual service
Direct payment to the vet on eligible bills over $900
Before you decide, compare coverage, reimbursement levels, deductibles, annual limits, waiting periods, wellness options, and extra benefits.
Coverage is subject to the policy.
