Kanguro Pet Insurance Review
Kanguro pet insurance offers accident and illness plans for dogs and cats, with customer support available in both English and Spanish. This review provides an in-depth look at Kanguro’s offerings, helping you determine if their plans are the right fit for your furry friend.
Overview
Kanguro received a 4.0 NerdWallet rating, reflecting its overall performance in the pet insurance market.
Key Features:
- Coverage: Accident and illness plans, with an optional wellness add-on.
- Annual Maximum: Up to $30,000.
- Reimbursement: Options for 70%, 80%, or 90% reimbursement on vet expenses.
- Deductibles: Ranging from $100 to $1,000 annually.
- Claim Processing: Typically processed within a week, often quicker.
- Customer Service: Bilingual English/Spanish support.
Pros:
- Bilingual customer support
- Fast claim processing (typically four days)
- Covers hereditary and congenital conditions
- Offers multi-pet and upfront payment discounts
Cons:
- No accident-only plan
- Claims must be filed through the mobile app only
- Doesn’t cover alternative therapies or behavioral issues
- Not available in every state
About Kanguro Pet Insurance
कंगारो pet insurance earned 4 stars out of 5 for its overall performance. While it provides accident and illness coverage along with wellness options, it lacks an accident-only plan. The company boasts fully bilingual English/Spanish customer service and resources, a quick claims process, and coverage for hereditary and breed-specific conditions.
However, the plans do not cover behavioral issues, alternative treatments, or supplements. Kanguro’s mobile app is the sole method for filing a pet insurance claim, and its policies are not available in every state.
Kanguro Pet Insurance Plans and Coverage
Kanguro offers two main plan options for dogs and cats:
1. 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, devices, and mobility aids
- Dental disease (up to $1,000)
- Euthanasia (up to $1,000)
- Cremation
- Prescription food when required to treat a covered condition
2. Essential Plus Plan: Accident, Illness, and Wellness
This plan includes all the coverage of the Essential plan, along with:
- Wellness exam
- Heartworm test
- Vaccines
- Internal parasite or fecal test
- Bloodwork
- Flea, tick, and heartworm medication
- Teeth cleaning and scaling
Note: Coverage and availability may vary based on location, pet age, and breed.
What’s Not Covered
Kanguro’s plans do not cover:
- Pre-existing conditions.
- Injuries or illnesses preventable through preventative care, such as heartworm or flea and tick disease.
- Elective procedures, including ear docking, tail cropping, ear cleaning, microchipping, and spaying or neutering.
- Conditions related to breeding, pregnancy, or giving birth.
- Alternative treatments and therapies, like massage or CBD oil.
- Supplements.
- Treatment of behavioral issues.
Kanguro Plan Options
- Deductibles: Kanguro offers annual deductibles ranging from $100 to $1,000. You pay this amount before reimbursement begins.
- Reimbursement Amounts: Choose 70%, 80%, or 90% reimbursement rates. The deductible is applied before reimbursement.
- Example: If your dog has a $2,000 vet bill, a $250 deductible, and an 80% reimbursement rate: The reimbursement would be calculated like this: $2,000 (bill) – $250 (deductible) = $1,750. Then, $1,750 * 0.8 = $1,400 reimbursement.
- Coverage Limits: Annual limits range from $5,000 to $30,000.
Restrictions and Waiting Periods
- Age Restrictions: Available for pets between 2 months and 14 years old.
- Waiting Periods:
- 14 days for accidents and illnesses.
- Six months for cruciate ligament and knee issues. However, this can be reduced to 14 days if your pet has a full medical record, which shows no previous cruciate ligament or knee issues.
- No waiting period for wellness services.
Kanguro Pet Insurance Sample Rates
The cost of Kanguro pet insurance varies depending on where you live, your pet’s age and breed. Here are some sample rates:
Example rates consider coverage for common dog and cat breeds with accident and illness coverage at a $200 deductible, $5,000 annual coverage, and an 80% reimbursement rate.
Dog Breed Sample Rates (Monthly Premiums)
Cat Breed Sample Rates (Monthly Premiums)
Kanguro Pet Insurance Discounts
- Multi-pet discount: 10%
- Upfront payment discount: 10% (for paying 12 months premiums at once)
State Availability
Kanguro 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, and Washington, D.C. Availability is subject to change.
Consumer Experience
- Website: Obtain quotes and purchase policies online, with information available in English and Spanish.
- Mobile App: Available on the App Store and Google Play Store. Use the app to file claims and view your pet’s medical history, policy information, and claim status.
- Claims: File claims by providing a photo of the vet invoice through the mobile app. Kanguro typically processes claims within four days, according to the company.
- Customer Service: Bilingual (English/Spanish) support via phone or WhatsApp at 888-546-5264. Live chat and email ([email protected]) options are also available. Customer service is available Monday through Saturday.
Getting a Quote
To get a quote, you’ll typically need to supply the following information:
- Name
- Email address
- Phone number and your zip code. Be aware of the requirement to consent to calls and text messages, as this may deter some customers.
- Pet’s information, including name, gender, age and breed.
Quotes promptly appear, and plan customization is available during the quote process.
Kanguro Pet Insurance vs. Competitors
Here’s how Kanguro compares to other popular pet insurance companies:
Frequently Asked Questions
- Does Kanguro cover neutering or spaying? No, neither of its pet health plans cover these procedures.
- How does Kanguro work? It provides an accident and illness insurance plan and a wellness plan for an additional cost. A 14-day waiting period applies for accidents and illnesses, with no waiting period for wellness services. You pay your vet upfront and submit pictures of the bill for reimbursement.
- How do I cancel Kanguro pet insurance? You can cancel at any time by contacting customer service.
