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Your pet's insurance, made simple

What's covered

We've got your pet covered for accidents, illnesses, injuries, and recovery. This include costs like:

• Physical rehab
• Dental disease & injuries
• Exam fees
• Diagnostics & imaging
• Surgeries & procedures
• Mobility & support devices
• Emergency care & hospitalization
• Specialty & advanced care (like chemo)
• Prescription meds

If you ever have to say goodbye to your pet, we also help with end-of-life costs like euthanasia, cremation, or burial — no deductible or copay needed. Coverage for end of life costs requires you to sign your pet up before they turn 3.

Dental care

• If your pet breaks a tooth or has a dental injury, you're covered.
• We'll also help with dental illness if your pet had a vet exam and cleaning in the past year.
• Want routine cleanings covered too? Add one of our optional wellness plans!

Wellness coverage (optional)

• Add wellness and we'll chip in for things like vaccines, exams, microchipping, and even flea or heartworm meds.
• There are two plan levels depending on how much coverage you want.

When coverage starts

• Accidents? You're covered right away.
• Illness claims have a 12-day waiting period. Cruciate ligament events (e.g. torn knee ligament) have a 12-day waiting period unless caused by an accident.
• After that, you're all set!

What's not covered

• Anything your pet has before your coverage began (pre-existing conditions).
• Behavior or training issues, grooming, food and vitamins, cosmetic procedures, or injuries from competition or neglect.
• We'll cover one foreign object ingestion per year - if your pet eats socks often, be warned!
• Other exclusions may apply. Refer to the exclusions section of the policy for more information. Coverage may not be available in all states.

How payments work

• You pick your deductible and adoro’s payout percentage (like 70%, 80%, etc.).
• Your payout percentage is the amount of eligible charges that we pay. This is calculated first and goes towards your deductible and then paid out when your deductible is met - up to the annual limit your choose.

How to file a claim

• Use the adoro app or website.
• Snap a pic of your vet invoice and upload it.
• We might ask for vet records - but we'll keep it as simple as possible!

Other helpful info

• Your plan renews every year - we'll let you know if anything changes.
• You can cancel anytime. If you paid ahead, we'll refund the unused portion.
• You can add or remove wellness on your policy anniversary date.