What adoro customers have to say
“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
“The claim was reviewed in an amazing amount of time and I received the payback instantly. It was a great experience!”
— Hannah in Alabama
“I filed my first claim, it got accepted and paid the same day.”
— Brenda in Missouri
“Easy to file [claims] online.”
— Brice in Michigan
“Quick and seamless!”
— Claire in Virginia
See how we're different
| Insurance benefit | adoro | Many Other Insurers |
|---|---|---|
Built to keep your pet’s price more stable over their life |  |  |
Exam fees and physical rehab included in core policy | | |
No extended waiting periods or extra fees | | |
What we cover
We’re here for the unexpected stuff—when your puppy won’t stop itching or your kitten gets a mystery limp. You take care of the cuddles, we’ve got their coverage.
Diagnostic tests (e.g., blood work, fecal tests, urinalysis)
Labwork
Exam fees
Inpatient & outpatient procedures
Prescription meds
Chemotherapy & cancer care
Specialist visits
Allergies
And more
What's not covered
We keep premiums lower by leaving out things most pet owners don’t expect insurance to cover. It keeps costs lower for everyone, and puts the focus where it matters most.
Pre-existing conditions (anything your pet had before your coverage began)
Routine care you can plan for, like vaccines or spay/neuter (unless you add wellness)
Non-treatment costs like grooming, boarding, food, or cosmetic procedures
Behavioral-related expenses like costs for pet aggression or training
Non-veterinary costs, like taxes & fees
Other exclusions may apply. Refer to the exclusions section of the policy for more information.
Why not just save for an emergency?
| Pet Insurance |
|---|
No waiting to build up savings |
Provides financial predictability |
Helps you afford the best care |
| Your Piggy Bank |
|---|
Savings can be wiped out by one big expense |
You can’t predict when an emergency happens |
May force tough decisions due to cost |
Example claim payout
SCENARIO
“Hoagie the Park Playmaker”After a spirited game of fetch at the dog park, Hoagie, a 3-year-old Golden Retriever started limping and wouldn’t put weight on his back leg. He tore his knee ligament and needed surgery—and a long break from his MVP (Most Valuable Player) status.
Lucky for Hoagie, his mom got adoro for him as a puppy. She chose an 85% payout percentage and a $250 deductible.
Total eligible claim:
$10,000
Payout percentage (85%):
$8,500
- Deductible ($250):
$8,250
SCENARIO
“Brighton the Itchy Bernedoodle”Brighton, a 2-year-old Bernedoodle, couldn’t stop scratching—day, night, even mid-snuggle. The only thing that finally brought her relief? A shot every six weeks that cost nearly $200 each time.
On their first day together back when she was a puppy, her mom signed her up for an adoro policy with an 80% payout percentage and a $200 annual deductible.
Total eligible claim:
$1,750(/yr)
Payout percentage (80%):
$1,400
- Deductible ($200):
$1,200
SCENARIO
“Mochi the *Suddenly* Hungry Cat”Mochi, a 7-year-old cat, started eating like every meal was an eating contest—and her behavior was off, too. Tests revealed a tumor that needed to come out right away. Surgery got her back to her usual, selective snacking self.
Mochi got her adoro policy as a kitten, and has an 80% payout percentage with a $500 annual deductible.
Total eligible claim:
$3,000
Payout percentage (80%):
$2,400
- Deductible ($500):
$1,900