Adoro Pet Insurance

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Policy Exclusions

  • Pre-existing conditions (anything your pet had before your coverage began), including bilateral pre-existing conditions

  • 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

  • Behavior-related expenses, like costs for pet aggression or training

  • Non-veterinary costs, like taxes and fees

View an Adoro Pet Insurance sample policy for details.

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*The waiting period for illnesses and cruciate ligament events may be waived upon the completion of a comprehensive medical examination by a veterinarian, and if you submit a completed Adoro waiting period waiver form. If approved, any remaining portion of the applicable waiting period will expire as of the day after this examination.

**Unless caused by an accident.

This is a summarized overview. For detailed terms and conditions, visit https://www.adoropet.com/en. Pre-existing conditions are not covered, and various terms such as waiting periods, deductibles, co-insurance, benefit limits, and exclusions may apply. Products, schedules, rates, and discounts are subject to change.

Author: Katheryn Ulrich

Reviewed By: Alex Murray

Updated on Date: February 05, 2026

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