Adoro | Pet Insurance Review

4.6

out of 5

Number of reviews 8

adoro is a new kind of pet insurance, built by industry veterans who knew there had to be a better way. We designed coverage that’s simpler, clearer, and built to stay affordable as pets get older. We do a lot of things better. Here are some: We have a unique deductible lock feature, which means premiums will remain more stable as pets age; We don’t charge you extra to pay monthly; We include exam fees and physical rehabilitation in our accident and illness policy – no adds-ons needed; We are the only company to offer body condition score and customer loyalty discounts. Our claims process is simple, with instant payout options for approved claim payments.
5

out of 5

POSTED: | BY: Linda

adoro claims experience

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.
5

out of 5

POSTED: | BY: Lynn Thompson

Such a great experience

Such a great experience! I have adoro pet insurance for both my dogs and one recently had an ear infection. The claim was so easy to submit and was processed the same day! Highly recommend.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Hannah

adoro claims experience

The claim was reviewed in an amazing amount of time and I received the payback instantly. It was a great experience!
5

out of 5

POSTED: | BY: Tracy

adoro claims experience

Very quick response no issues :-)
2

out of 5

POSTED: | BY: Mars R

Adoro violated their own 24 month look back policy

Adoro advertises “No confusion, no hoops to jump through, no second-guessing.” They also claim to have a 24-month look-back. My policy starts in April 2026, yet Adoro reached back to January 2024; this is 27 months prior, which is a direct violation of the 24-month look-back rule that they explicitly claim. They even included a note from 4 years ago as part of the reasoning behind another pre-existing label. They used that 2024 note to claim: “Since Cat has a history of weight loss, if a future condition is determined to be the cause of this weight loss, it may not be covered.” That is the definition of confusing, and it doesn’t follow logic. Even if this had not violated their own rules, they ignored the doctor’s notes from that same 2024 visit which explicitly state: "Wt loss R/O: due to changed to canned food" and "Needs dental badly." The cat had a dental less than a month later. By September 15, 2025, they had gained 10% body weight and they also had normal bloodwork (Healthcheck Plus NSF). Weight loss was resolved. If that wasn’t frustrating enough, they used a mention in the September 2025 notes that IF he were to lose weight again in the future, an ultrasound should be done. This is a proactive suggestion for a senior pet, IF they were to need it down the road, not a diagnosis. Flagging a resolved weight loss episode outside of their 24-month window is not “clear, predictable, and built to last” for the owner; it’s ensuring that they won’t have to cover anything. Adoro also used a routine dental suggestion on low-grade tartar in a senior pet, after the pet already had a dental in 2024, to insinuate that they "may" not cover a future dental accident. Illness and accident are not the same category. Saying you won’t cover dental accidents because a vet recommended a senior cat have a dental is like a doctor saying that deafness is the result of not having an annual ear cleaning. Happy to edit my review once they amend the evaluation, but it’s now been 2 days without even so much as a “hey we will get back to you shortly!” reply to my message disputing this error.
Read more on Trustpilot
Please leave a review

Monthly Cost

Plan costs depend on your choices, as well as pet breed, age and where you live.

Coverage

Accident and illness coverage, with two wellness optional choices. Exam fees and rehab coverage included in every policy (not an add-on). Payout percentages range from 50% – 85%.

Payout Limits

Range from $3,000 to $100,000 (annual). There are no lifetime limits.

Deductible

Range from $200 to $1,000 (annual).

Age Limits

At least 7 weeks old to enroll (and 14 years or younger). Once the pet is enrolled they may stay insured regardless of age.

Waiting Period

0 days for accidents and 12 days for illnesses after the policy becomes effective. Unlike some providers, adoro does not have any extended waiting periods for orthopedic issues (like torn cruciate ligaments).

Exclusions

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 coverage);
Non-treatment costs (like grooming, boarding, food or cosmetic procedures);
Behavioral-related expenses like costs for pet aggression or training;
Other exclusions may apply. Refer to the exclusions section of the policy for more information.

Provider website

adoro is a new kind of pet insurance, built by industry veterans who knew there had to be a better way. We designed coverage that’s simpler, clearer, and built to stay affordable as pets get older.

We do a lot of things better. Here are some:

  • We have a unique deductible lock feature, which means premiums will remain more stable as pets age;
  • We don’t charge you extra to pay monthly;
  • We include exam fees and physical rehabilitation in our accident and illness policy – no adds-ons needed;
  • We are the only company to offer body condition score and customer loyalty discounts.
  • Our claims process is simple, with instant payout options for approved claim payments.
Provider website

Get a quote today

Leave a review