More playtime, less paperwork
From quote to claim, we designed adoro to be straightforward. No confusion. No hoops. Just a plan that works the way pet owners expect.
Personalize your pet's plan
This is the amount of eligible charges that we pay. It is calculated first and goes towards your deductible and then paid out when the deductible is met.
Choose the amount you pay out of pocket each year before getting paid for eligible claims. See how adoro keeps your pet’s price lower with our
This is the maximum amount your plan will pay for covered care in a year. Once you hit your annual limit, the plan stops paying until the next policy year.
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
How claims work
When your pet is sick or hurt, visit any vet in the US—including emergency clinics & specialists.
Take a photo of your vet invoice and upload it through the adoro app.
We’ll get to work on your claim—with fast claim approvals and even faster payment (with options like your bank account or Venmo).