Frequently Asked Questions

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Pet Insurance Basics

It’s a safety net for the things you can’t plan for—like when your dog leaps off the couch and lands wrong, or your cat mistakes tinsel for lunch. It helps cover unexpected vet bills so you can choose the best care without worrying how to pay for it.

Coverage

Claims & Payments

Getting Started

¹ This statement is based on comparison to age related increases without deductible changes in the public filings as of September 1, 2025 for Lemonade, Pets Best, Spot, Nationwide, and Embrace.

Frequently Asked Questions

Have a question?

Pet Insurance Basics

What is pet insurance, really?

Do I really need it?

Can I cover more than one pet?

Is this like human health insurance?

Coverage

What’s included in Adoro's coverage?

What’s not covered?

When will my coverage begin and what changes can I make after I enroll?

Are pre-existing conditions covered?

Does my vet need to be in-network?

Can my policy be canceled if my pet gets sick or hurt?

Claims & Payments

When can I start filing claims?

How do I file a claim?

How long does it take to get payment for an eligible claim?

How do deductibles and claim payments work?

How do I get paid?

What is your deductible lock feature?

Getting Started

When can I sign up?

What if I change my mind?

Can I get a discount through my employer?