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?
It’s always smart to put money aside. But life doesn’t always wait for your savings account to catch up. A single emergency vet visit can cost hundreds—or even thousands—of dollars.
With pet insurance, you don’t have to choose between your savings and your pet’s care. You pay what fits your budget now, and when the unexpected happens, you’re ready to say “yes” to treatment.
| Pet Insurance |
|---|
No waiting to build up savings |
Provides financial predictability |
Helps you afford the best care |
| Your Piggy Bank |
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Savings can be wiped out by one big expense |
You can’t predict when an emergency happens |
May force tough decisions due to cost |
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 | | |