Pet insurance designed to stay more affordable.
Thanks to our Deductible LockTM
Here’s what other pet insurance companies aren’t telling you:
Many pet insurance plans start with an affordable monthly premium, then increase it significantly* as pets age.
They know this on Day 1. You find out at renewal.
The same dog in each plan. But watch what happens to the price.
Lemonade1
Spot1
Pumpkin1
Pets Best1
It’s as plain as day:
Most other plans raise premiums 300-500%* over a pet's life. adoro keeps age-related increases under 10% a year.
*This statement is based on comparison to age related increases without our deductible lock feature in public filings as of July 1, 2026 for Lemonade, Pets Best, Spot, Pumpkin, Nationwide, and Embrace.
How is this possible?
With other pet insurers, you can raise your deductible at any time. This is a common way for people to lower their premiums after large increases.
At adoro, we freeze or "lock" everyone's deductible when their pet is between age 4-6 (depending on breed), and gradually raise it for you in small, planned amounts each year. And you'll know every future change, down to the dollar, before you even buy.
Why this keeps your total costs lower
When insurers can't predict costs, they constantly raise premiums to "catch up."
Our Deductible Lock™ takes some of the guesswork out of our costs, so we don't have to keep raising yours.
Your exact deductible schedule is in your quote, down to the dollar.
No unknowns or surprises later.
The bottom line
You shouldn't have to wonder if you'll still be able to afford your pet's insurance as they age and need it most. adoro shows you now, in writing, so you can plan ahead and focus on their care, not the cost.
That's the whole point of our Deductible Lock™.
Meet the people (and pets) behind adoro
1 Prices shown are from pricing available on company websites and public filings as of August 1, 2026 for a mixed breed (size medium) dog in zip code 19127 with similar accident and illness coverage with an 80% payout, $500 deductible, and no limit (or $100k limit if unlimited not available) who enrolls as a puppy and excludes discounts.