"Kemono to Chat" centers on a high school student named Haruto, who discovers a mysterious app on his phone that allows him to communicate with anthropomorphic animals. These animals, known as "Kemono," exist in a parallel digital world and seek human interaction to solve their problems. Haruto is initially skeptical but soon becomes entangled in their world after encountering a fox-like Kemono named Kitsune, who claims to need his help to prevent a looming catastrophe in their realm.

The narrative unfolds as Haruto navigates both his daily life and the digital world of the Kemono. Each episode introduces a new Kemono with unique struggles, ranging from environmental issues to personal conflicts, which Haruto assists in resolving through the app. The Kemono world is intricately connected to the human world, with actions in one realm often affecting the other. As Haruto delves deeper, he uncovers a conspiracy involving a rogue Kemono faction attempting to destabilize the balance between the two worlds.

Key characters include Kitsune, who serves as Haruto's guide and primary ally; Usagi, a timid rabbit Kemono who provides emotional support; and Tora, a fierce tiger Kemono who initially opposes Haruto but later becomes a reluctant ally. The antagonist, a shadowy figure known as Kuro, orchestrates the rogue faction's plans, seeking to merge the human and Kemono worlds for his own gain.

The plot progresses through episodic problem-solving arcs, gradually building toward a climactic confrontation between Haruto and Kuro. Themes of coexistence, empathy, and the consequences of technological advancement are woven into the narrative. The series balances lighthearted moments with darker undertones, exploring the ethical implications of human-Kemono interactions and the responsibilities that come with wielding power over another world. By the end, Haruto must make a critical choice that will determine the fate of both realms.