Odie Pet Insurance offers customizable plans with no age limits at generally affordable prices.
Odie Pet Insurance Review (2024)
Updated:
Jan 8, 2024
Founded in 2020, Odie is a newer entrant in the pet insurance space. The company’s mission is to make pet health insurance more accessible to pet owners of all budgets. It offers highly customizable deductible and coverage limits, and its policies are more affordable than some competitors.
We’ll review Odie’s coverage, costs and more so you can determine if it’s the best pet insurance policy for you.
Pros and Cons of Odie Pet Insurance
About Odie Pet Insurance
Odie was founded in Agoura Hills, California, in early 2020 and now has additional offices in New York. Miles Thorson co-founded Odie pet insurance after having difficulty finding affordable coverage for his dogs. Thorson’s family runs Thorson Insurance Services, a provider with over 35 years of experience in the specialty insurance industry.
The Odie team used the Thorson family’s decades of expertise to craft a simple, community-focused pet insurance product. Odie’s founders created the company with other pet owners in mind, aiming to democratize pet health care for all.
Odie Pet Insurance Plans and Cost
Odie offers pet insurance plans for dogs and cats. Odie’s dog insurance costs $20 per month on average, and its cat insurance costs $10 per month on average based on quotes our team pulled. You can customize plans and add any additional services you need.
Plans and Costs
Odie offers an accident and illness plan and an accident-only plan.
The accident and illness plan covers costs related to:
- Unexpected accidents/injuries
- Hereditary/congenital conditions
- Emergency veterinary care
- Surgery
- Cancer treatment
- Outpatient veterinary care
- Dental disease or fractures
- Illnesses
- Diagnostic testing
- Hospitalization
- Specialist care
- MRI, CT scan and X-ray
- Ongoing/chronic conditions
The accident-only plan covers costs associated with the treatment of your pet’s accidental injuries.
Odie offers several add-on options for insurance coverage on a wider range of items. The Routine Care package provides preventative care coverage for $14 to $23 per month.
Odie’s additional add-ons help cover other charges you’ll see on your vet bills.
Exam Fee and Non-Regular Office Visit: This add-on provides coverage on the exam fees your vet charges in addition to your pet’s diagnostic testing and treatment fees. Services under this plan include non-routine vet visits, non-routine exams, after-hours visits, referrals and rechecks, and emergency vet visits.
Take Home Prescription Medications: Odie’s prescription add-on covers medications the vet prescribes to treat your pet’s unexpected injuries and illnesses. Odie covers up to 950 prescriptions, which you can find in an alphabetized list on its website. Medications the vet uses to treat your dog in the clinic are covered under the accident and illness plan and do not require this add-on.
Rehabilitation, Acupuncture and Chiropractic Care: This add-on covers the costs of your pet’s rehabilitation and physical therapy after it experiences an unexpected injury or illness. This add-on covers treatments like acupuncture, chiropractic care, laser therapy, cryotherapy and more.
Odie Samples Prices
Here are some sample quotes* for a 3-year-old pet in Boston.
| Species/Breed | Sample Price for Medium Mixed Breed Dog | Sample Price for Golden Retriever (Dog) | Sample Price for Domestic Shorthair Cat | Sample Price for Domestic Mediumhair Cat |
|---|---|---|---|---|
| Accident and Illness Plan | $14.07 | $18.43 | $8.33 | $8.33 |
| Accident and Illness Plan With Preventative Care | $29.07 | $33.43 | $23.33 | $23.33 |
| Accident and Illness Plan With Vet Fees and Physical Therapy Coverage | $17.80 | $23.32 | $10 | $10.54 |
*Quotes represent monthly premiums. Quotes generated for a $10,000 annual limit, $500 deductible, and 80% reimbursement rate. Preventative care costs generated for the Routine Care Basic package.
Deductibles
Your deductible is the amount of money you’ll pay out of pocket before Odie starts covering costs. Odie offers an extensive list of deductible options.
When building your Odie pet insurance plan, you can choose from deductible rates of $50, $150, $200, $250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $800, $850, $900, $950 and $1,000.
Preventative Care Limits
You’ll have different per-service preventative care limits depending on which Routine Care package you choose. The Routine Care Basic plan covers up to $305 in annual wellness reimbursements, and the Routine Care Plus plan covers up to $535.
| Covered Item | Routine Care Basic | Routine Care Plus |
|---|---|---|
| Spay/Neuter and/or Teeth Cleaning | $0 | $150 |
| Rabies Vaccination | $15 | $15 |
| Flea & Tick Prevention | $50 | $65 |
| Heartworm Prevention | $30 | $30 |
| Vaccination/Titer | $30 | $40 |
| Wellness Exam | $50 | $50 |
| Heartworm Test or FELV Screen | $25 | $30 |
| Blood, Fecal, Parasite Exam | $50 | $70 |
| Microchip | $20 | $40 |
| Urinalysis or ERD | $15 | $25 |
| Deworming | $20 | $20 |
| Total Annual Benefits | $305 | $535 |
Coverage Exclusions
Like all pet insurance providers, Odie has some limits. Odie doesn’t cover the following items under any of its plans or add-ons:
- Pre-existing conditions
- Elective or cosmetic procedures
- Parasites
- Special food
- Vitamins and supplements
- Holistic treatments
- Experimental therapies
Plan Customizations
Odie’s plans are customizable, so you can build a plan that works for you.
You’ll start by choosing from Odie’s Great, Better and Best annual limit options.
- Great – $5,000 annual limit
- Better – $10,000 annual limit
- Best – $40,000 annual limit
You’ll further customize your plan by choosing from different deductibles and reimbursement rates.
Annual deductible options: $100, $150, $200, $250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $800, $850, $900, $950, $1,000
Reimbursement rates: 70%, 80%, 90%
You can mix and match these rates to build different coverage and cost options. Remember, your pet’s age, species, breed and zip code location will also affect monthly costs.
Discounts
Odie applies a 5% multi-pet discount when you enroll multiple pets. Odie doesn’t currently offer any other standing discounts, but it frequently runs promotions and discount codes online. Customers can follow the company on social media to keep up with new reward opportunities.
Odie Pet Insurance State Availability
Odie Pet Insurance is now available in every state except Alaska. Pet insurance doesn’t operate through networks, so you can take your pet to any licensed vet.
Odie Pet Insurance Customer Reviews
Since Odie is a relative newcomer to the pet insurance industry, there aren’t many customer reviews available online.
The reviews we read said Odie has a friendly staff and provides great customer service. However, a few customers expressed frustration with claim rejection.
“I’m very pleased with Odie for my Sniper. I have been dealing with Jasmine, who I love. She is very knowledgeable, helpful, and sweet. This was the best thing I could have done for my Sniper. Thank you Odie.” – Jeanne C., Trustpilot
“I have on my policy that doctor’s appts would be taken care of such as routine care. However, when I tried to submit paperwork for reimbursement, it was denied. So I don’t understand why it states that in the policy if they are not going to honor it.” – Jazre O., Trustpilot
Odie Pet Insurance vs. Competitors
Odie is one of the newest pet insurance providers in the industry, and it has a lot of competition. Odie’s plans start as low as $10, so it’s a good option for affordable coverage. It has comparable waiting periods and a multi-pet discount but lacks a mobile app for easy accessibility.
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Our Review of Odie Pet Insurance
We found that Odie has affordable prices and comprehensive coverage. It offers highly customizable plans and useful add-ons. Odie offers some of the lowest costs on the market, so it’s a great option for pet parents on a budget. Odie doesn’t have a mobile app, so you’ll file claims online or use the OdieBot chat feature for questions.
Odie offers affordable, customizable plans without compromising coverage. Although Odie is new, its catalog of add-ons and covered services is comparable to other top providers. However, there are limited customer reviews online, and its reputation is not as strong as other top pet insurers. We recommend requesting quotes from multiple providers to make sure you get the best coverage for your pet that fits your budget.
Frequently Asked Questions
Odie’s main advantage is its impressively low prices. Odie claims that its plans are 15% to 30% cheaper than competitor plans. Odie’s dog insurance costs around $25 per month, and its cat insurance costs around $10 per month. These prices will vary depending on which add-ons you select, as well as your pet’s breed, age and zip code location.
To submit a claim online, log into your Odie Member Portal. Before submitting your first claim, you’ll need to upload your pet’s medical records for the past 18 months. After you’ve submitted this documentation, you’ll be ready to proceed. Click Submit Claim and follow the prompts. You’ll have to fill out a questionnaire and upload the invoice and receipt from your vet visit.
Once you’ve submitted the claim, a submission notification will appear in the top right-hand corner of your screen. You’ll be able to track your claim’s progress in your member portal.
No, Odie only covers dogs and cats.
Odie Pet Insurance Marketing, Inc is administered by Norse Specialty Insurance and underwritten by PrimeOne Insurance Company and Clear Blue Insurance Group.
Odie’s Prescription Formulary lists over 950 medications covered under the Take Home Prescription Medication Coverage add-on.
A waiting period is a time frame at the beginning of insurance policies in which coverage doesn’t yet apply. Odie’s waiting periods are 14 days for illnesses, three days for accidents, and six months for cruciate ligament events. You must be out of an item’s waiting period for Odie to reimburse you.
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