5
out of 5
POSTED: | BY: Theresa
Claims Experience
Rapid processing and clear communication is standard.
4.9
out of 5
Number of reviews 42
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: Kris
Claims Experience
Quick approval
5
out of 5
POSTED: | BY: John
adoro claims experience
Fast response to my claim. Fast approval, fast payment.
5
out of 5
POSTED: | BY: Heather M
Customer service has been outstanding
Customer service has been outstanding. Emails are replied to very very quickly and everyone I interacted with has been knowledgeable and courteous.
Since they do a medical review at sign-up and state what your pet's pre-existing conditions are, there will be no surprises down the line on whether or not a claim will be paid.
Very positive initial impressions.
5
out of 5
POSTED: | BY: Andrew Huang
Fast and easy — literally didn't have to think about it.
We just got a puppy and purchased the wellness plan in addition to the base policy, knowing that we'd have wellness checks, vaccines, and all the other puppy stuff.
After our wellness visit, we submitted our bill through the app, and even though it was at night on a weekend, our claim was approved by the time we woke up.
Payment was pretty much instant too — it was available to send to my Venmo when the claim was approved.
Fast and easy — literally didn't have to think about it.
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
A range of choices between $3,000 and unlimited (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.
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.