Coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions (including pre-existing conditions), and terms of the policy documentation issued by the insurer. Coverage is subject to underwriting and approval, and may not be available for all risks or in all states. Rates and discounts vary, they are determined by many factors and are subject to change. Accident and illness coverages and the preventive and wellness plan is administered by Kanguro Insurance LLC as a managing general agent with offices in 1800 SW 1st Ave, FL 33129 and underwritten by Cimarron Insurance Company with offices in 7301 Carmel Executive Park Dr, Charlotte, NC 28226.