Kanguro Pet Insurance Review 2026: Low Prices, Spanish Support, 26 States

Quick Overview

Kanguro Insurance LLC was incorporated in September 2021 and is headquartered at 4400 Biscayne Blvd in Miami, according to its BBB profile and its own About page. A company press release from April 2023 says its pet insurance launched in September 2022. Kanguro also sells renters insurance in Florida, Georgia and Texas, and offers a 10% discount when you bundle pet and renters policies.

Kanguro is the managing general agent: it sells the policy, runs the app and handles claims. The insurer on the policy is Cimarron Insurance Company, Inc. of Charlotte, North Carolina. Kanguro's main pitch is to Spanish-speaking pet owners. Quotes, policy documents, claims and customer service are all available in English and Spanish, by phone, text and WhatsApp, and its sample policy is printed in both languages. The old kanguroinsurance.com address now redirects to kanguroseguro.com.

Kanguro at a Glance

Sources: Kanguro sample policy form PETPOL TRAD-ENG/ESP (02/25), Kanguro's pet insurance, claims and states-we-serve pages, checked November 6, 2026. Kanguro's states page says "27 states" but lists 26 plus DC, and one FAQ answer also names Wisconsin. Weiss Ratings does not list Cimarron as licensed in Wisconsin, so confirm on a live quote if you live there.

The Numbers Many Kanguro Reviews Get Wrong

Kanguro moved to a new policy version in 2025 (its sample policy carries form date 02/25, and a 2026 reply on its BBB profile mentions a "transition to our updated pet product"). Several popular reviews still quote the older terms. If you are comparing Kanguro against other insurers, use the current column.

The 2-day accident wait is the change that matters most. It puts Kanguro among the shortest accident waits of the insurers we have reviewed, alongside Pets Best and Odie (3 days each). For how other insurers compare, see our pet insurance waiting periods guide.

Coverage Details

What's Covered

• Accidents and illnesses: injuries, poisoning, infections, vomiting and diarrhea, surgery, hospitalization, diagnostics and prescription medication
• Vet visits: exam, consultation and recheck fees for a covered condition, including emergency-room and specialist visits, which many budget plans leave out
• Behavioral treatment: by a vet or a vet-referred specialist, for problems that started after the policy began (training and aggression are excluded)
• Holistic and alternative therapies: when performed by a licensed vet for a covered condition (aromatherapy and massage are excluded)
• Prescription food: only when a vet prescribes it to treat a covered illness
• Built-in extras: up to $500 for boarding if you are hospitalized more than 48 hours, up to $500 for a reward or advertising if your pet is lost or stolen, and up to $1,000 a year for euthanasia, with cremation covered

The Fine Print: Limited Lists

Kanguro's sample policy covers three groups of conditions only from a fixed list. This is the most important thing to check before you buy:

Many cat owners will want to ask about this. Chronic kidney disease and hyperthyroidism are the two most common long-term illnesses in senior cats. Neither is named on Kanguro's chronic list. Radioiodine treatment for hyperthyroidism alone costs $2,300–$4,800 at U.S. university and referral hospitals in 2026 (see our cat hyperthyroidism treatment cost guide). Ask Kanguro in writing how these conditions would be handled before you rely on the policy for an older cat.

What's Not Covered

• Pre-existing conditions, including any condition showing signs during a waiting period. Bilateral, cruciate and intervertebral conditions are named in this exclusion. See our pre-existing conditions guide
• Routine dental cleanings and other routine care, unless you add a wellness plan
• "Recurring conditions": treatment caused by the same kind of behavior twice within 18 months, such as eating non-food items or toxic substances, or repeated run-ins with porcupines or rattlesnakes. A dog that swallows a second sock may not be covered the second time. For what that surgery costs, see our dog foreign body surgery cost guide
• Spay and neuter, unless you have the Early Years Care+ add-on
• Experimental treatment, clinical trials, cloning and genetic testing

There is one point in Kanguro's favor on pre-existing conditions. A curable pre-existing condition can be covered again once your pet has gone one full year without treatment or symptoms. This does not apply to ligament and knee conditions.

Pricing and Plans

Kanguro advertises pet insurance from $30/month for dogs and $15/month for cats. NerdWallet collected sample quotes for pets in Katy, Texas (review dated May 1, 2026), using a $200 deductible, $5,000 annual limit and 80% reimbursement:

For comparison, NAPHIA's 2026 State of the Industry report (2025 data) puts the average accident-and-illness premium at $69.67/month for dogs and $36.25/month for cats. Kanguro's young-pet quotes are below those averages. However, NerdWallet's samples use a $5,000 annual limit, which one major surgery or a cancer treatment course can use up. Raising the limit toward unlimited will raise the price. Premiums roughly doubled between age 2 and age 8 in every sample above.

Watch the renewals. The most common complaint on Kanguro's BBB profile in 2025–2026 is renewal price increases. One Florida customer described going from about $60 to $83.95 and then $101.39 a month, and Kanguro's reply mentions a $27 policy fee. The sample policy says Kanguro will give at least 30 days' notice of a rate change. Read our pet insurance cost guide for how age-based increases work across insurers.

Wellness Add-Ons

Kanguro sells two optional preventive-care add-ons. Both reimburse 80% of eligible routine costs up to a fixed cap per item, with no deductible:

Kanguro does not publish a current price for either add-on, and its pages give different age cutoffs for Early Years Care+ (under 24 months on one page, under 3 years on another). Because the add-on reimburses only 80% up to each cap, it only pays off if the yearly premium is clearly below what you would get back. Our wellness pet insurance guide shows how to do that math.

Claims Process

1. Visit any licensed vet in a state where your policy applies. There is no network. For eligible bills over $900, Kanguro can pay the vet directly so you don't have to pay the full amount up front.
2. Submit the claim in the Kanguro app, on the website or by mail within 90 days. For a first claim, Kanguro may ask for the last 12 months of medical records, and the policy expects a vet exam within the 12 months before coverage starts (or within 14 days after).
3. Processing: Kanguro's claims page gives an average of 3.5 business days after it has all documents. NerdWallet reports about 5 days.
4. Payment: the deductible comes off first, then your reimbursement percentage applies. On a $2,000 bill with a $500 deductible at 80%, that pays $1,200, which NerdWallet notes is $100 more than insurers that apply the percentage first.

Kanguro also publishes a 72.1% claim approval rate on its own company summary page. It is a self-reported figure, but few insurers publish one at all. It also means roughly 28 in 100 claims are not approved as submitted, so learn the exclusions above before your first claim.

Waiting Periods

• Accidents: 2 days (coverage starts on day 3)
• Illnesses: 14 days, including cancer and hip dysplasia
• Cruciate ligament and other knee conditions: 6 months, reduced to 14 days if your pet's complete medical history shows no prior knee problems
• Wellness add-ons: active the day after purchase
• Waived: for pets insured within 6 months of birth, or on the day of adoption from an authorized Kanguro partner

Financial Strength and Customer Ratings

Owner reviews are mostly positive about price, the app and the Spanish-speaking support team. The negative reviews follow a pattern: renewal increases, refused requests to backdate a cancellation, and claims denied because a symptom was recorded right after enrollment (for example, an ear-yeast cleaning classed as an illness). The financial ratings are the bigger caveat. Cimarron is a smaller carrier rated by Demotech rather than AM Best, and Weiss rates it C. We found no regulatory actions against Kanguro or Cimarron in a search on November 6, 2026.

Pros and Cons

How Kanguro Compares

Kanguro vs. Odie

Choose Kanguro if: you live in one of its 26 states, want service in Spanish, or want exam fees covered and a 2-day accident wait.
Choose Odie if: Kanguro isn't sold in your state, or you want an accident-only option. See our full Odie review.

Kanguro vs. Pets Best

Choose Kanguro if: Spanish-language claims and support matter to you, or its quote comes in lower for your pet.
Choose Pets Best if: you want a long-established insurer with no upper enrollment age and Vet Direct Pay on any eligible claim. See our full Pets Best review.

Who Should Choose Kanguro?

Kanguro Is a Good Fit For:

• Spanish-speaking pet owners who want quotes, policy documents, claims and support in Spanish
• Owners of young, healthy dogs and cats in a covered state who want a low premium with exam fees included
• New puppy and kitten owners who can enroll in the first 6 months, when congenital cover applies and waiting periods are waived
• Renters in Florida, Georgia or Texas who can bundle pet and renters insurance for 10% off

Consider Alternatives If:

• You live outside Kanguro's 26 states plus DC
• You have an older cat, given the short chronic-conditions list (see our senior cat insurance guide)
• Your breed is prone to hereditary problems not on Kanguro's list, such as luxating patella or IVDD
• Your insurer's financial-strength rating matters to you and you want an AM Best-rated carrier

Frequently Asked Questions

Is Kanguro a legitimate pet insurance company?

Yes. Kanguro Insurance LLC is a Miami-based company founded in 2021 that sells and administers pet insurance underwritten by Cimarron Insurance Company, Inc. of Charlotte, North Carolina. Kanguro has been BBB-accredited with an A+ rating since March 18, 2026, and holds a 4.5/5 Trustpilot score from 527 reviews as of November 6, 2026. The main caveat is the insurer's financial-strength rating: we found no AM Best rating for Cimarron, and Weiss Ratings rated it C (fair) in June 2026.

Who underwrites Kanguro pet insurance?

Cimarron Insurance Company, Inc. underwrites Kanguro's pet insurance policies, and Kanguro Insurance LLC acts as the managing general agent that sells the policy and handles claims. Cimarron is rated A (Exceptional) by Demotech in its latest public notice (January 2022) and C by Weiss Ratings (June 2026); we found no AM Best rating.

How much does Kanguro pet insurance cost?

Kanguro advertises pet insurance from $30 a month for dogs and $15 a month for cats. NerdWallet's May 2026 sample quotes for Katy, Texas, with a $200 deductible, $5,000 annual limit and 80% reimbursement, were $36 a month for a 2-year-old mixed-breed dog, $59 for a 2-year-old Labrador, $91 for a 2-year-old French bulldog and $20 for a 2-year-old domestic shorthair cat. Premiums roughly doubled by age 8, and higher annual limits cost more.

What states is Kanguro pet insurance available in?

Kanguro lists pet insurance in 26 states plus Washington, DC: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah and Virginia. It is not sold in California, New York, New Jersey, Pennsylvania, Massachusetts or Washington, among others.

What are Kanguro's waiting periods?

Kanguro's current sample policy sets a 2-day waiting period for accidents, 14 days for illnesses (including cancer and hip dysplasia) and 6 months for cruciate ligament and other knee conditions. The knee wait can drop to 14 days if your pet's full medical history shows no prior knee problems. Some older reviews still list a 14-day accident wait from Kanguro's previous policy version.

Does Kanguro cover pre-existing conditions?

Not at first. Any condition that showed signs before the policy started or during a waiting period is excluded. However, if a pre-existing condition is curable and your pet goes one full year without treatment or symptoms, Kanguro will treat a later recurrence as a new condition. This cured-condition rule does not apply to ligament and knee conditions.

Does Kanguro offer service in Spanish?

Yes. Kanguro offers quotes, policy documents, claims and customer support in both English and Spanish, by phone, text and WhatsApp, and its free 24/7 televet service is also available in both languages. Its sample policy is printed in English and Spanish.

Bottom Line

Kanguro earns a 3.6/5. Its current policy is better than many reviews suggest: a 2-day accident wait, exam fees included, an unlimited limit option, direct vet payment on large bills, a cured-condition path for pre-existing problems, and the most complete Spanish-language service among the insurers we have reviewed. It loses points for the short lists that limit chronic and hereditary cover, the "recurring conditions" exclusion, availability in only 26 states plus DC, and an insurer rated C by Weiss with no AM Best rating we could find.

Our verdict: worth a quote if you live in a covered state, insure a young pet and value bilingual service. Before you buy, read the chronic and hereditary lists in your state's sample policy. If your pet's most likely long-term illness isn't named there, a broader policy is the safer choice.

Compare more providers: see all pet insurance company reviews, our best pet insurance comparison, and our reviews of Odie, Pets Best, Lemonade and Figo.

Sources (checked November 6, 2026): Kanguro sample policy PETPOL TRAD-ENG/ESP (02/25) and wellness forms PETCARE and PUPKITCARE (02/25); kanguroseguro.com pet insurance, claims, states-we-serve, about-us and company summary pages; NerdWallet Kanguro review (May 1, 2026); BBB profile of Kanguro Insurance LLC; Trustpilot; Apple App Store and Google Play listings; Weiss Ratings (June 2026); Demotech rating notice (January 2022); Canine Journal (October 2024); NAPHIA State of the Industry 2026; Kanguro press releases (April 2023, September 2026).