How Cloud Insurance Enabled adoro’s Rapid Entry into the US Pet Insurance Market

The US pet insurance market continues to grow rapidly, driven by rising veterinary costs and increased consumer demand for financial protection. Yet despite this growth, overall penetration remains low, only a small percentage of pets are currently insured, leaving a large opportunity for innovation and modern solutions.
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In this context, we’re proud to have partnered with adoro Pet Insurance - a new pet insurance company co-founded by industry veterans with deep experience in pet insurance. adoro recently launched its pet insurance products across multiple US states with Cloud Insurance as their core technology platform.
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Meeting the challenge of a rapidly evolving market

adoro’s founders knew they were entering an under-penetrated market with a strong demand for better products and experiences. Rather than building technology from scratch or relying on legacy systems, they chose a modern, cloud-native core platform to accelerate their go-to-market:

“Partnering with Cloud Insurance allowed us to launch quickly with a modern and scalable technology foundation, without the constraints of legacy systems,” says Gavin Friedman [Co-founder & CEO, adoro]. 

By selecting Cloud Insurance, adoro was in a quick timeframe able to support both the business and operational needs required for their market launch:

• Fast product configuration of their core product including state specific pricing and customized coverage setup
• Utilizing a API-first architecture which enabled smooth integrations with other relevant partners ranging from frontend specialists to advanced marketing softwares
• Cloud-native scalability to deliver reliable performance as the business grows

This combination not only supports a more efficient internal operation, but also enables better experiences for pet owners across the US.

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A real example of tech-enabled insurance transformation.

From concept to customer, adoro’s journey highlights a broader trend in insurance: companies that adopt next-generation platforms can bring products to market faster and with less friction. Traditional core systems often require long implementation cycles, heavy customization, and complex integrations that delay valuable business outcomes.

With Cloud Insurance, adoro have among others gone to market with:

• Product innovation: adoro designed customer tailored offerings, targeting the pet-owners specific need and situation, including features powered by the Cloud Insurance platform, such as deductible lock periods for end-customer predictability
• Product Scalability and flexibility: A cloud-native platform means it’s easier to support additional states, new channels and future expansion without rearchitecting core systems.
• Operational agility: By centralizing policy administration, claims processing, and customer interaction workflows, the company can more easily observe performance, gather insights, and iterate on both products and processes.
• Instant payouts: Adoro’s platform enables quicker claims processing and immediate reimbursements, ensuring policyholders get the support they need when they need it

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Industry impact and insights

For both established insurers and new market entrants, the choice of core platform has a direct impact on how fast you can move, what you can build, and how efficiently you can operate. The difference between legacy systems and a cloud-native core shows up in timelines, cost, and day-to-day execution.

A modern platform enables insurers to:

• Launch new products and enter new markets without multi-year IT projects
• Reduce operational complexity by minimizing manual processes and handovers
• Give policyholders clearer visibility into their coverage and faster service when it matters
• Integrate partners and data sources without heavy custom development

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As customer expectations rise and competition increases, insurers that can adapt quickly and operate efficiently will have a clear advantage. The technology foundation you choose plays a larger role than ever in how competitive you can be.

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Future Outlook

Today, only a small fraction of pets in the US have insurance coverage. That means there is a large opportunity for insurers to meet real needs with better products and experiences. adoro’s launch is a strong example of what’s possible when experienced industry operators combine their expertise with the right technology partner.

As more companies explore how to modernize, launch new products, and scale efficiently, we expect to see increased adoption of platforms designed to support growth, flexibility, and innovation.

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If you’re thinking about modernizing your core, building new value propositions, or launching innovative insurance products, the lessons from adoro’s launch journey are worth considering. Cloud Insurance is proud to support forward thinking insurers who sees today’s current technology need and that want to move faster, reduce operational friction, and deliver better outcomes for their policyholders.