Adoro Pet Insurance

Adoro Pet Insurance is a direct-to-consumer pet insurance carrier operating in 46 US states as of mid-2026, offering accident and illness coverage for cats and dogs. The company was founded in late 2025 by Gavin Friedman (CEO) and Tricia Plouf (President and COO), both veterans of Trupanion. Policies are underwritten by United States Fire Insurance Company (NAIC #21113), a Delaware-domiciled insurer with over 20 years of pet insurance underwriting experience through Crum and Forster.

The carrier emphasizes pricing stability over a pet's lifetime and same-day claims payouts, with a digital-first quote and claims platform accessible via mobile and desktop. Pet owners can build personalized plans based on individual pet profiles, with an optional wellness add-on covering preventive care. A multi-pet discount of 5% applies for households with two or more pets. Distribution has expanded to include employer benefits channels, with a Chief Business Development Officer hired in June 2026 to lead that effort.

Adoro is venture-backed by Griffin Highline Capital LLC and Badger Equity US LLC. The company launched in 28 states in Q4 2025 and reached 46 states by mid-2026, reflecting rapid regulatory licensing progress. Financial metrics including direct written premium and loss ratios have not been publicly disclosed.