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Currently, Kanguro only offers coverage in the following states: Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Indiana, Kansas, Nebraska, New Mexico, Nevada, North Carolina, Oklahoma, Oregon, Texas, Utah, and Wyoming.
Kanguro covers a wide range of diagnostics, medications, and procedures. See the table below to see what’s covered with Kanguro.
| Includes |
Diagnostics | ● Blood tests ● Urinalysis ● X-rays ● MRIs ● Labwork ● CT Scans ● Ultrasounds ● Behavioral exams
|
Medications | ● Prescription medication ● Chronic conditions that may develop ● Hereditary breed-specific conditions that may develop ● Blood disorders ● Eye disorders ● Musculoskeletal disorder ● Respiratory conditions
|
Procedures | ● Prosthetic limbs, devices & mobility aids ● Cremation ● End of life - euthanasia up to $1,000 ● Vet exam fees ● Surgery & hospitalization ● Specialty and ER vets ● Cancer treatment ● Dental illness up to $1,000/year |
You can also opt for Kanguro’s preventative & wellness plan for an additional cost, usually an extra $20.99-$29.99/month. Under this plan, you’ll have the following covered:
● Vaccines
● Wellness exams
● Routine dental cleaning
● Tick medication
● Parasite tests
● Flea medication
● Heartworm tests and medication
Also, please note that Kanguro does not have any affiliations with specific veterinarians or clinics. Even though coverage is only available to residents of the 17 U.S. states listed above, you can still get coverage if you’re visiting a vet clinic outside of these states. However, international coverage isn’t available.
Kanguro offers three levels of insurance plans: Basic, Plus, and Premier. While you get the same medications, procedures, and diagnostics covered with each plan, the annual limits, deductibles, and reimbursement percentages vary.
Here are Kanguro’s rates based on someone who owns a female, medium-sized, mixed-breed, 5-year-old dog with no pre-existing conditions in the state of Colorado:
| Basic | Plus | Premier |
Price per month | $15.94 | $28.24 | $35.36 |
Annual limit | $5,000 | $15,000 | $30,000 |
Deductible | $700 | $500 | $500 |
Reimbursement | 70% | 80% | 90% |
Preventative and wellness plan added | $20.99 | $24.99 | $29.99 |
Additionally, here is an example plan for a 7-year-old, male American shorthair purebred cat with diabetes:
| Basic | Plus | Premier |
Price per month | $20.00 | $35.45 | $44.38 |
Annual limit | $5,000 | $15,000 | $30,000 |
Deductible | $700 | $500 | $500 |
Reimbursement | 70% | 80% | 90% |
Preventative and wellness plan added | $15.00 | $18.00 | $22.00 |
These rates are based on November 2022 premiums in Commerce City, Colorado. Quotes are subject to change and will differ based on location.
Kanguro does not cover the following conditions:
● Pre-existing conditions (This includes injuries or diseases that your pet has before you purchase a policy that are not already covered by Kanguro. Non-pre-existing conditions that develop after you purchase the policy will be covered.)
● Cosmetic surgery
● Supplements
● Routine wellness or preventative care
● Routine dental care
● Spaying or neutering
● Experimental procedures
● Breeding, pregnancy, or giving birth
There is a 14-day waiting period before all coverage is activated for accidents and illnesses and six months before knee coverage is activated. The preventative and wellness care package does not have a waiting period.
Coverage limits appear to be consistent across all plans. Here’s what you’ll pay for either a dog or cat, with the same criteria used in the plans and pricing section:
| Coverage limit |
Basic | $5K |
Plus | $15K |
Premier | $30K |
Reimbursement and Deductibles
Reimbursements and deductibles appear to be consistent across all plans. Here’s what you’ll pay for either a dog or cat, with the same criteria used in the plans and pricing section:
| Annual limit and deductible for dogs and cats |
Basic | $700/70% |
Plus | $500/80% |
Premier | $500/90% |
Custom | Customize your own coverage easily on the website |
Claims and Customer Support
You can file a claim with Kanguro via the app. Here are the steps you need to take to file a claim:
Gather the finalized invoice and detailed medical records of your pet.
Submit the claim by logging into the Kanguro app. In the main dashboard where you log in, scroll down and select “claims.” Or, head to the coverage section, scroll down and select “claims.”
Speak to a customer service representative to answer any quick questions.
Upload photos if necessary.
You’ll then receive push notifications with updates on your claims. You can also log in to the app and use the claim tracker to follow the progress of your claim.
Generally speaking, Kanguro will process your claim within 30 days. If you have questions about your claim or anything else, you can contact customer support 24/7 via email or phone at javier@kanguroseguro.com or 1-888-546-5264.
What You Might Like
Kanguro markets itself as a pet insurance company “made by Latinos, for Latinos.” Therefore, you’ll definitely like this company if Spanish is your native language or you prefer to speak in Spanish. You might also like this company if you prefer to handle your claims via an app, as Kanguro has a robust, intuitive app that makes it easy for you to handle all of your pet insurance needs. Kanguro is also very transparent about its pricing and plans. You can just head to the website, fill in details about your pet’s health and condition, and you’ll receive an instant quote.
One downside to Kanguro is that it’s currently only available in Arizona, Arkansas, Colorado, Georgia, Indiana, Kansas, Nebraska, New Mexico, Nevada, North Carolina, Oklahoma, Oregon, and Texas. However, it is working on expanding to other parts of the country.
Phone: 1-888-546-5264
Email: javier@kanguroseguro.com
Address:
1800 SW 1st Ave. Suite 407, Miami, FL 33129
While Kanguro is geared toward Spanish speakers, it’s an excellent option for Spanish and non-Spanish speakers alike. You can easily get a quote and sign up by filling out some basic information via the website. When it comes time to submit your claim, you just need to upload your documents via the app, and then you can use the claim tracker to check the progress of your claim until you receive reimbursement. While Kanguro is currently only available to residents in 17 U.S. states, it is working on expanding to other areas.
This review was composed using the Kanguro website.
