Kanguro Pet Insurance Review: Is It Right for Your Pet?
Kanguro offers pet insurance plans for dogs and cats, with options available in both English and Spanish. This review provides a detailed look at Kanguro’s offerings, helping you decide if it’s the right choice to protect your furry friend.
Overview
Kanguro provides accident and illness coverage, along with the option to include a wellness plan. Their plans are designed to help pet owners manage unexpected veterinary costs.
Key Features:
- Annual Maximum Coverage: $30,000
- Reimbursement Rates: 70%, 80%, or 90%
- Deductibles: $100 to $1,000
- Claims Processing: Typically processed within a week
Here’s a summary of the pros and cons:
Pros:
- Bilingual customer support (English/Spanish).
- Quick claim processing, often within four days.
- Coverage for hereditary and congenital conditions.
- Discounts for multiple pets and upfront payments.
Cons:
- No accident-only plan available.
- Claims must be filed through the mobile app.
- Doesn’t cover alternative therapies or behavioral issues.
- Not available in all states.
NerdWallet’s Rating
Kanguro holds a 4.0 out of 5 stars NerdWallet rating.
Kanguro Pet Insurance Plans and Coverage
Kanguro offers two primary pet insurance plans:
-
Essential Plan: Accident and Illness
This plan covers:
- Vet exam fees.
-
Diagnostic testing.
-
Surgery and hospitalization.
-
Cancer treatment.
-
Prescription medications and medical supplies.
-
Prosthetic limbs and mobility aids.
-
Dental disease (up to $1,000).
-
Euthanasia (up to $1,000).
-
Cremation.
-
Prescription food if required to treat a covered condition.
-
Essential Plus Plan: Accident, Illness, and Wellness
The Essential Plus plan includes everything in the Essential plan, plus routine care services such as:
- Wellness exam.
-
Heartworm test.
-
Vaccines.
-
Internal parasite or fecal test.
-
Bloodwork.
-
Flea, tick, and heartworm medication.
-
Teeth cleaning and scaling.
Important Note: Coverage and availability may vary depending on your location, your pet’s age and breed, so make sure you check for any potential exclusions.
What’s Not Covered
Both the Essential and Essential Plus plans have exclusions:
- Pre-existing conditions.
- Preventable illnesses (e.g., heartworm, flea/tick disease).
- Elective procedures (e.g., ear cropping, tail docking, microchipping).
- Conditions related to breeding, pregnancy, or giving birth.
- Alternative treatments and therapies (massage, CBD).
- Supplements.
- Behavioral issue treatments.
Kanguro Plan Options
-
Deductibles: You’ll need to satisfy the deductible before your plan starts reimbursing you for vet expenses. Kanguro offers annual deductibles ranging from $100 – $1,000.
-
Reimbursement Amounts: You can select reimbursement rates of 70%, 80%, or 90%. The deductible is applied before reimbursement. For instance, if your vet bill is $2,000, your deductible is $250, and your reimbursement rate is 80%, then the reimbursement would be $1,400.
-
Coverage Limits: The annual limit is the maximum amount Kanguro will reimburse during the year. Both plans offer coverage limits from $5,000 to $30,000.
Restrictions and Waiting Periods
-
Age Restrictions: Coverage is available for dogs and cats between 2 months to 14 years of age.
-
Waiting Periods: There’s a 14-day waiting period for both accidents and illnesses, and a 6-month waiting period for cruciate ligament and other knee problems. This waiting period can be reduced to 14 days if you provide your pet’s full medical history without any prior knee or cruciate ligament issues. There’s no waiting period for wellness services.
Kanguro Pet Insurance: Sample Rates
The cost of Kanguro pet insurance can fluctuate based on location, your pet’s age, and breed. The following are sample monthly rates for pets living in Katy, Texas, with accident and illness coverage, a $200 deductible, $5,000 annual coverage, and an 80% reimbursement rate:
Sample Dog Rates:
Sample Cat Rates:
The rates below are sample monthly premiums for cats living in Katy, Texas, with the same coverage limits as the dog plans.
Kanguro Pet Insurance Discounts
Discounts may be available depending on where you reside:
- 10% multipet discount.
- 10% discount for paying 12 months of premiums upfront.
State Availability
Kanguro pet insurance is available in the following states:
- 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, D.C.
Keep in mind that availability can shift, and not all pets may be eligible for coverage in every state.
Consumer Experience
-
Website: Obtain quotes and buy a policy online through Kanguro’s website, with information available in both English and Spanish.
-
Mobile App: Kanguro has a mobile app (available on the App Store and Google Play Store) to file claims, view medical history, policy details, and claim status.
The Kanguro app facilitates the claims process.
-
Claims: Claims are submitted through the app, including a photo of the vet invoice. Kanguro typically reimburses claims within four days.
-
Customer Service: Customer support is available in English and Spanish. Contact them by phone or WhatsApp at 888-546-5264. You can also use the website’s live chat or email [email protected]. Customer service is open Monday through Saturday.
Getting a Quote
-
Provide your name, email, phone number, and ZIP code. You’ll need to agree to receive calls and texts from Kanguro.
-
Provide pet information, including name, gender, age, and breed.The quotes appear on the next page, with separate prices for the Essential and Essential Plus plans. Scroll down the page, and you’ll see options for customizing your deductible, reimbursement rate and annual limit. For each change you make, your quotes will update automatically.
-
After finalizing coverage, provide personal details to confirm your purchase.
