Kanguro

What Kanguro does

Kanguro Insurance LLC is a Miami-based digital insurtech operating as a managing general agent that distributes pet insurance and renters insurance under a fully bilingual (English/Spanish) direct-to-consumer model. Its product portfolio includes three pet insurance tiers (Essential Care for accidents and illness, Premier Care+ adding wellness, and Early Years Care+ for puppies and kittens under 36 months) and a renters insurance product covering personal property, liability, and additional living expenses. Policies are underwritten by Cimarron Insurance Company (Charlotte, NC), enabling Kanguro to issue coverage across 28 US states for pet and 3 states (FL, GA, TX) for renters without carrying underwriting balance sheet risk directly.

The platform is built on Wix.com-hosted web infrastructure with a mobile app on iOS and Android, integrating Stripe for payments, Televet for 24/7 veterinary telehealth, and Wellfold for cashback rewards. Distribution combines D2C self-serve quote and enrollment (described as completing in 60 seconds), a customer referral program ($25 Amazon gift card per referred pet policy), and a B2B2C channel via no-code embeddable widgets and an OpenAPI 3.0 REST API targeting property management companies, ownership groups, insurance agencies, brokers, and affinity programs. The company is BBB A+ accredited and a NAPHIA member.

Revenue is generated entirely through recurring subscription premiums (dogs from $55/month, cats from $35/month, renters from $20/month with state-specific pricing), supplemented by referral economics and embedded partnership distribution. The firm employs 1-10 people, has not disclosed funding rounds, ownership, or revenue, and reports 23,502+ customer reviews with a 4.74/5 claim experience rating, a 72.1% claim approval rate, and an average claim processing time of 3.5 days. Kanguro's strategic positioning is a culturally accessible, digital-first niche play within the US pet and renters insurance categories.

Name

Kanguro

Legal name

Kanguro Insurance LLC

Website

https://kanguroseguro.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Kanguro Insurance LLC is a Miami-based bilingual (English/Spanish) digital insurtech operating as a managing general agent, offering pet insurance and renters insurance direct-to-consumer and via embedded B2B2C partnerships across 28+ US states.

Ownership category

akta.pro rank

Product category

Pet and Renters Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA), Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAKAH)

Keywords

• Pet insurance
• Renters insurance
• Digital insurtech
• Bilingual insurance
• Embedded insurance

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Operations, Personnel, Infrastructure

Revenue model

1. Pet Insurance Premiums: Kanguro generates primary revenue through subscription premiums for pet insurance policies. Plans are offered at tiered pricing with customizable reimbursement rates (70-90%), deductibles ($200-$1,000), and annual limits ($5,000 to unlimited). Dogs start from $55/month, cats from $35/month. Auto-renews annually with monthly, quarterly, or annual payment options.
2. Renters Insurance Premiums: Secondary revenue stream from renters insurance subscriptions. Available from $20/month (general) with Texas-specific pricing as low as $9-$18/month. Covers personal property, personal liability, and additional living expenses. Auto-renews annually.
3. Referral Program: Customers earn $25 Amazon gift card per referred policy (no limit on referrals). Referees can earn $30 Amazon gift card per referral. This drives customer acquisition at low marginal cost.
4. Wellfold Cashback Rewards: Cashback rewards through Kanguro's partner Wellfold allow customers to earn rewards at retailers when purchasing pet insurance, adding perceived value to the subscription.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels11 records

Core offering

Kanguro Insurance LLC sells pet insurance (covering dogs and cats across three plan tiers: Essential Care, Premier Care+, and Early Years Care+) and renters insurance to individual consumers in the United States through a digital-first mobile app and website. Every pet insurance policy includes free unlimited 24/7 Televet access to licensed veterinarians, and policies are administered by Kanguro as a managing general agent with Cimarron Insurance Company as the underwriter. The company differentiates through fully bilingual English/Spanish sales, support, and claims, and offers B2B2C embedded distribution via no-code widgets and a REST API to property managers, brokers, agencies, and affinity partners.

Product overview

Kanguro Insurance is a digital insurtech company offering two core product lines: pet insurance (Essential Care, Premier Care+, Early Years Care+) and renters insurance, accessible through a digital-first mobile app. The platform includes Televet 24/7 telehealth services, real-time claims processing, bilingual English/Spanish support, and a B2B2C partnership program with embedded insurance solutions via REST API and no-code widgets.

Differentiator

Problem solved

Functional benefit

Products and services

• Essential Care Pet Insurance

Quantifiable outcome

• 72.1% claim approval rate
• +6 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core, secondary and minor.

• Property Management CompaniescoreOEM/ Whitelabel/ Licensing PartnerProperty management companies embed Kanguro renters insurance through no-code widgets or REST API into their leasing/rental platforms, allowing seamless offer of renters coverage to tenants during the rental application or lease signing process. Available in Florida, Texas, and Georgia.
• Ownership GroupscoreOEM/ Whitelabel/ Licensing PartnerReal estate ownership groups integrate Kanguro renters insurance into their tenant-facing platforms and property management systems, enabling wide distribution across multi-property portfolios.
• Insurance Agencies and BrokerssecondaryChannel Partner/ Reseller/ DistributorLicensed insurance agencies and brokers resell or recommend Kanguro pet and renters insurance products to their existing customer bases as part of a broader insurance portfolio offering.
• Affinity and Referral ProgramssecondaryGTM or Marketing PartnerAffinity partners (e.g., employers, membership organizations, pet-related groups) offer Kanguro insurance as a benefit or recommended product to their members, driving referral-based customer acquisition.
• Cimarron Insurance CompanycoreOthersCimarron Insurance Company is the underwriter for Kanguro's pet insurance and renters insurance products. Kanguro operates as a managing general agent administering policies on behalf of Cimarron. Offices at 7301 Carmel Executive Park Dr, Charlotte, NC 28226.
• WellfoldsecondaryGTM or Marketing PartnerWellfold provides cashback rewards for Kanguro pet insurance customers, redeemable at partner retailers. Kanguro customers access Wellfold perks through the mobile app, enhancing customer retention and perceived value.
• Veterinary ClinicssecondaryImplementation/ SI/ Consulting PartnerKanguro works with veterinary clinics for claims verification, exam record confirmation, and coordination of care. Kanguro accepts all certified veterinarians and clinics in authorized states with no restricted network.
• ROAM Pet TreatsminorGTM or Marketing PartnerKanguro customers can access exclusive discounts on premium pet treats from ROAM Pet Treats through the Wellfold perks program in the Kanguro mobile app.
• The Farmer's DogminorGTM or Marketing PartnerKanguro customers can access exclusive discounts on fresh pet food trials from The Farmer's Dog through the Wellfold perks program in the Kanguro mobile app.
• StripesecondaryTechnology or IntegrationStripe handles payment processing for Kanguro's insurance products, ensuring PCI-DSS compliant transaction processing. Used across both website checkout and mobile app.
• Wix.comsecondaryTechnology or IntegrationWix.com provides the web hosting and online infrastructure for kanguroseguro.com and kanguroinsurance.com, including secure servers, database storage, and application hosting behind firewalls.
• Google Ads & Meta AdssecondaryGTM or Marketing PartnerKanguro uses Google Ads and Meta (Facebook/Instagram) advertising platforms for paid digital acquisition campaigns, with conversion tracking through remarketing and audience building.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MetLife Pet Insurance: Major incumbent insurer (acquired by MetLife) offering pet medical insurance through employers and direct channels at scale. Overlaps with Kanguro's pet insurance product line but operates as part of a much broader insurance portfolio.
• Pets Best Pet Insurance: Established pet insurance carrier (a Pets Best company) offering accident, illness, and wellness plans directly to consumers. Comparable product set to Kanguro with a longer operating history.

Emerging players

• FIGO Pet Insurance: D2C digital pet insurance carrier offering accident, illness, and wellness coverage with customizable plans. Comparable to Kanguro on product mechanics, sales channel, and target market.
• Pumpkin Pet Insurance: D2C pet insurance brand focused on accident, illness, and wellness coverage, founded by a major veterinary services group. Overlaps with Kanguro in product breadth and is a relevant emerging competitor.

Direct peers

• Spot Pet Insurance: Digital pet insurance carrier offering accident, illness, and wellness plans targeting similar demographics of pet owners, with comparable customizable pricing tiers. Direct competitor in D2C pet insurance.
• Trupanion: Leading US pet medical insurance carrier with direct-to-consumer subscription model and, like Kanguro, no restricted network. Directly comparable on product (pet medical insurance), pricing structure, and reimbursement model.
• Embrace Pet Insurance: Direct-to-consumer pet insurance carrier offering accident, illness, and wellness plans with customizable deductibles and reimbursement percentages, mirroring Kanguro's Essential Care / Premier Care+ product structure.
• Lemonade: Digital-first insurtech offering pet insurance and renters insurance, both via a mobile app with AI-powered claims. Directly competes with Kanguro in both product lines and in the digitally native, app-centric insurance model.
• Healthy Paws Pet Insurance: Direct-to-consumer pet insurance brand (underwritten by Chubb) offering unlimited lifetime benefits with no caps. Highly comparable product offering and subscription pricing structure to Kanguro.

Regional players

• Bungalow (renters insurance partnerships): Single-family rental operator that has historically bundled renters insurance into its leases, representing the type of embedded property-management distribution that Kanguro's B2B2C widget/API model targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kanguro_insurance
• Facebookfacebook.com/kanguroinsurance
• LinkedInlinkedin.com/company/kanguroinsurance/posts/?feedView=all
• Instagraminstagram.com/kanguro_insurance

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kanguro