Kanguro Pet Insurance vs. Lemonade Comparison

Both Kanguro pet insurance and Lemonade plans include coverage for vet bills related to accidents and illnesses, but it’s important to understand the differences so you can find the perfect fit for you and your furry companion.

Compared to Kanguro, Lemonade Pet can handle claims at lightning speed, offers higher annual coverage limits (up to $100,000), and provides extra opportunities for discounts like for bundling multiple insurance products together.

Let’s get into the nitty gritty of how Kanguro pet insurance stacks up to Lemonade Pet.

	Kanguro Pet Insurance	Lemonade Pet Insurance
Mobile app	Yes	Yes
App store rating	4.5	4.9
Instant claims handling	No	Yes
Coverage for dental illness	Included in illness and injury up to $1,000	Yes, with the Dental Illness add-on
Cancellation	Any time	Any time on the Lemonade app
Multi-pet discount	Yes	Yes
Annual payments discount	Yes	Yes
Bundle discount	No	Yes
Additional insurance products	Renters only	Renters, Homeowners, Car, Life

The Lemonade app revolutionizes insurance and claims handling, making the process smoother and more user-friendly than Kanguro

Kanguro pet insurance offers a mobile app, but their process doesn’t leverage the same level of AI integration and mobile-first design. Kanguro can take up to 5 days to process claims.

Lemonade Pet elevates pet insurance through the power of AI and machine learning. The app is designed to streamline everything from getting a quote to filing a claim. It turns what used to be a cumbersome process into an experience that’s quick and easy (and maybe even a little fun).

When you buy a Lemonade Pet policy or any other Lemonade policy, you can customize your coverage details all in the palm of your hand. The app’s intuitive design means you can spend less time figuring out your policy and more time enjoying life with your furry friend.

Tech also helps process claims at lightning speed. Around 50% of pet claims are handled instantly, and roughly 80% are processed within 5 days.

Kanguro pet insurance reviews

Lemonade’s app is loved by our customers and has an app-store rating of 4.9 stars based on customer reviews. Kanguro pet insurance’s app has a rating of 4.5 stars.

Lemonade offers higher annual coverage limits and more comprehensive customization options than Kanguro

While Kanguro offers annual limits ranging from $5,000 to $30,000, Lemonade provides significantly higher coverage options, with annual limits available up to $100,000. This higher coverage ceiling means better protection for serious health issues that could result in expensive treatments.

Kanguro automatically includes certain coverages like dental illness and end-of-life care in their base policy, which can drive up your premium whether you need these features or not. While having coverage included sounds convenient, it means you’re paying for benefits that might not match your pet’s specific needs.

With Lemonade you can build your policy to fit your pet

Lemonade takes a different approach with customizable add-ons. Our base policy focuses on accidents and illnesses, and you can choose exactly what additional coverage makes sense for your pet:

• Visit fees: Fees vets might charge for their time and labor when you bring your pet in after an accident or illness.
• Physical therapy: Physical therapy, acupuncture, and hydrotherapy to help your pooch through the recovery process.
• Dental coverage: Help with dental illness treatments and procedures. Depending on your location, you may also have access to comprehensive dental coverage that includes routine cleanings and covers pre-existing dental conditions.
• Behavioral conditions: Vet-recommended therapy and medications for behavioral conditions like anxiety and aggression. 
• End of life and remembrance: Vet-recommended euthanasia, as well as cremation, and commemorative items to memorialize your pet.
• Preventative care packages: Coverage for for all kinds of things that help keep your pet healthy, like your annual wellness exam, blood tests, vaccines, and more.

This means you can build exactly the coverage your pet needs instead of paying for predetermined features that might not fit your situation. You get more control over your premium and more options for comprehensive care when your pet needs it most.

Lemonade covers curable pre-existing conditions, while Kanguro doesn’t

One significant difference is how each company handles pre-existing conditions. Lemonade offers coverage for some curable pre-existing conditions once they’ve been cured and remain symptom-free for a specific period. This could be a game-changer if your pet has had a treatable condition in the past.

Kanguro does not offer any coverage for pre-existing conditions, which means if your pet has had any health issues before enrollment, those conditions would be permanently excluded from coverage.

Kanguro focuses solely on pet insurance and renters insurance. Lemonade offers more than just pet insurance

Kanguro pet insurance offers renters insurance alongside their pet coverage, but their product lineup is limited compared to Lemonade’s comprehensive insurance ecosystem.

At Lemonade, we’re not just about keeping your furry friends happy and healthy. We’ve got your back on other fronts too. Think of us as your one-stop-shop for insurance needs. We offer renters, homeowners, car, pet, and term life insurance.

When you bundle any combination of Lemonade policies together, you’ll be eligible for savings on all of those policies. (With the exception of the term life insurance policy, but you’d still be eligible for a discount on your pet policy if you bundle life and pet.)

In addition to the savings, you gain the convenience of accessing all your policies and filing all claims through a single, easy-to-use app.

For example, if you bundle a pet insurance policy with a renters policy, you could see a drop in both of your premiums. This makes both essential coverages more affordable.

Click below to start your free Lemonade pet insurance quote. It’s easy to build, and easy to compare.

Tips for comparing pet insurance plans

Finding the right pet insurance for you and your fur fam depends a lot on your priorities. Whether that’s finding the most comprehensive coverage, the cheapest rates, or a hassle-free digital experience, there are many factors to consider.

Let’s look at some of the main factors that might be important when choosing a pet insurance provider, along with questions to consider for each.

Coverage options

Base pet insurance plans usually cover the treatment of eligible accidents and illnesses. Check the specifics of what is covered under a base policy, the waiting periods for certain conditions, and exclusions. You should also examine how customizable the policy is and what optional coverages are offered, such as preventative care and add-ons.

Balance between cost and coverage

The scope of what is included in the price of a base pet insurance plan can vary widely among providers. Carefully examine the premiums, deductibles, and co-insurance offered by each provider. Then compare them to the range of healthcare services covered and what you might end up needing to pay if you file a claim.

Discounts and perks

Everyone likes saving money or making life as a pet parent simpler. Some pet insurance providers, including Lemonade, offer discounts for things like insuring multiple pets and bundling policies. Others provide extra perks, such as access to Chewy’s Connect with a Vet service.

Option to bundle

Some providers only offer pet insurance plans. Others can cover all of the things you care about in one place, such as your stuff, your car, and your pets. For example, when you bundle more than one Lemonade policy, such as renters, homeowners, car, or pet insurance, you’re eligible for a discount on each policy. You’ll also enjoy the ease of managing all your policies and filing any claims in one place (via the Lemonade app).

Seamless experience

From building a quote to managing your policy or filing a claim, insurance doesn’t need to be a hassle. Some companies, including Lemonade, build their platforms with user-friendliness in mind to ensure that each step is straightforward and stress-free for pet parents.

Customer reviews

Hearing about experiences from the pet parent community can help you make a more informed choice. Websites such as Consumer Reports, Better Business Bureau (BBB), or NerdWallet offer reputable sources for customer reviews and rankings. (By the way, the Lemonade app has a 4.9-star rating on the App Store.)

Social impact

Choosing a pet insurance company that aligns with your values is like the cherry on top of an awesome policy sundae. For example, the Lemonade Giveback program helps support organizations like SPCA International and The Humane Society.

FAQs

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Comparison information is provided using publicly available information as of December 2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected].

This product information is for descriptive purposes only and does not provide a complete summary of any company’s coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval.  If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

For the full terms of Lemonade pet Insurance policies visit https://www.lemonade.com/pet. Products and rates may vary and are subject to change. Discounts may vary and are subject to change. 

Residents of DE, LA, ME, MS, NE, NH, WA, will receive an Insurer Disclosure of Important Policyholder Provisions in the quote flow and policy documents.

Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251.

Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.