How adoro pet insurance compares.

adoro was created by people who spent years working in pet insurance and knew it could be better.

See the difference for yourself.

Questions to ask before you buy

Most pet insurance plans look nearly identical at first glance. Here's what actually separates them.

Most other insurers will raise your premium 300-500% over your pet’s life.* They know this on Day 1. You find out at renewal.

adoro keeps age-related increases under 10% a year with our Deductible Lock™ feature.

Some plans look cheaper because the basics, like exam fees and rehab, are priced separately as add-ons.

adoro includes exam fees and rehab for accidents and illnesses in the core policy. No add-on needed.

A great plan on paper doesn't help much if a claim payment takes weeks.

adoro pays fast, with instant options like Venmo or straight to your bank account for approved claims.

Most companies charge you for paying monthly instead of annually, or tack on admin fees at checkout.

adoro has no surprise fees at checkout or for paying monthly. What you see is what you pay.

^*This statement is based on comparison to age related increases without our Deductible Lock™ feature in public filings as of 7/1/26 for Lemonade, Pets Best, Spot, Pumpkin, Nationwide, & Embrace.

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See how we compare

	adoro	Lemonade	Pets Best	Spot	Trupanion	Pumpkin
Built to keep your pet’s price more affordable through our Deductible Lock™ feature
Exam fees included in core policy
Physical rehab included in core policy
Fast payment options available on all approved claims, with instant options like Venmo
No added fees at checkout
No extended waiting periods for orthopedic issues, like torn ligaments
Loyalty & healthy body condition score discounts available

Comparisons are based on our review of these companies' websites and policy documents as of 8/1/2026. We've tried to be fair, accurate and up-to-date. If you notice anything you think needs updating or correcting, please let us know at info@adoropet.com. Coverage may vary or may not be available in all states. Discounts may not be available in all states.

When claims happen, speed matters.

“Very fast payment and covered more than I thought I was going to get back! Very good customer service response, too. Very helpful and personable! ”

— Kent in Massachusetts

“I filed a claim and within one hour my claim refund was in my bank account, this is the fastest turnaround time I have ever seen from any company. I am so glad that I chose my dog’s insurance through adoro.”

— Linda in Delaware

“Customer service has been outstanding. Emails are replied to very very quickly and everyone I interacted with has been knowledgeable and courteous. ”

— Heather in Indiana