Compare Kanguro Pet Insurance

Comparison Fact Sheet
Updated 03/01/2025

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Kanguro
Also Known As  
Address 1800 SW 1st Ave. Suite 407
Miami, FL 33129
Phone 1-888-546-5264
Website www.kanguroseguro.com
Plans That Provide Both Accident and Illness Coverage Essential and Essential Plus *
States Covered Not available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Cimarron Insurance Company.

Cimarron Insurance Company is not rated (NR) by AM Best or Demotech, Inc. as of 3/1/2025.

For the most recent ratings go to: AM Best
Year Company Started 2022

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 6 weeks

Maximum age = 14 years

*May vary by state
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for accidents
14 days for illnesses

6 months for knee conditions

**Waiting Periods can vary by state. See actual policy or contact Kanguro to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for knee conditions

**Waiting Periods can vary by state. See actual policy or call Kanguro for complete details regarding cruciate ligament conditions
Coverage When Travel Out of State or Country? In the FAQ, it states that you may use veterinarians and clinics in the states Kanguro is authorized to provide insurance.

In the quote engine, it states you can use any licensed vet nationwide.

Contact Kanguro for clarity for your state.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Kanguro for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear
What Happens when the Policy Renews? It is not clear if chronic conditions will continue to be covered each year.
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? In the FAQ, it states that you may use veterinarians and clinics in the states Kanguro is authorized to provide insurance.

In the quote engine, it states you can use any licensed vet nationwide.

Contact Kanguro for clarity for your state.
Money Back Guarantee? Not Clear
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call Kanguro for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy is NOT available on their website.

The sample policy is a sample of the contract you will be agreeing to. It is also where all the limitations and requirements are described.

It is important to know what you are buying prior to purchase so you can make an informed decision. Contact the company for a sample of their policy for your state. If they do not provide one, you will have to decide if this works for you.

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage Not Clear

Their website states they cover behavior exams, but has no mention of covering behavioral treatments.
Alternative Therapy Coverage Not Clear
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy, a pre-existing conditions is "Any Condition for which a Veterinarian provided medical advice, Your Pet received treatment for, or displayed signs or symptoms consistent with the stated Condition prior to the Start Date of the first pet insurance policy issued to cover Your Pet or during any Waiting Period.."

**See policy or call Kanguro for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage Not Clear

Website states that Kanguro covers Hereditary/Breed Specific conditions, but it does not mention Congenital conditions.

**See actual policy or call Kanguro for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions It is not clear if Continual Coverage for chronic conditions is included
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout.

(See 'Max Payout' section below)
Cancer Coverage [INCLUDED]

Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout.

(See 'Max Payout' section below)
Hip Dysplasia [INCLUDED]

Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage

[INCLUDED]

**See actual policy or contact Kanguro for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Benefits [OPTIONAL]

Routine/Wellness Coverage is available in the Essential Plus plan

**See actual policy or call the company for complete description of their Routine/Wellness Benefits
Vaccinations [OPTIONAL] - See Routine/Wellness Benefits above for details
Spay/Neuter [NO]
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Benefits above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

The maximum monetary coverage for Dental is $1,000 per year.

The extent of dental coverage is not clear.

**See actual policy or call Kanguro for full list of requirements, inclusions and exclusions.
Bilateral Conditions Policy Not Clear

**Contact Kanguro for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Alternative Therapy (Not Clear), Behavioral Therapy (Exam is covered, but is is Not Clear if treatments are covered), Cancer, Prescription Medications, Hereditary coverage, Congenital Coverage (Not Clear), Dental Illness/Accident (limited coverage, full extent of medical coverage is not clear), Continual Chronic Conditions Coverage (Not Clear)

[Optional] Routine/Wellness Care, Routine Dental Care

(Refer to each category's section for limitations)

**See actual policy or call Kanguro for full list of exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Spay/Neuter
  • Pregnancy
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $200, $500, $700, $1,000.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Website states it is based on Actual Vet Bill.

Reimbursements are calculated by applying your deductible first and then your reimbursement percentage.
Max Payout Annually Choose from $5,000, $8,000, $10,000, $15,000, $20,000, $30,000,
Max Lifetime Payout Kanguro does not have a maximum lifetime payout.
Max Payout per Incident Kanguro does not have a maximum payout per incident
Max Payout Based on Body System Kanguro does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $30.00 - $200.00 depending on depending on species, location, plan, etc

 

Additional Info
My Review Kanguro Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts only applies to Kanguro's pet insurance plans that cover both illness and accidents. If your pet is only eligible for accident coverage, please contact Kanguro for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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