Odie Pet Insurance Review (2023)

Sometimes, we feel like high veterinary costs dictate whether we can meet our pet’s needs. However, we shouldn’t have to choose between our finances and our beloved animals. A new pet insurance company, Odie, wants to make pet health insurance more accessible to pet owners of all budgets.

In this Odie Pet Insurance review, we’ll talk about how Odie sticks to its mission and how it misses the mark.

We’ll discuss:

  • Plan costs
  • Optional add-ons
  • State availability
  • Coverage exclusions
  • FAQs

Our Review for Odie Pet Insurance

We give Odie 4.1 out of 5 stars for its 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.

Pros and Cons of Odie Pet Insurance

Pros:

  • Highly discounted premiums
  • Customizable plan options
  • Variety of add-ons
  • No breed or age limits

Cons:

  • New to the market
  • No unlimited annual benefit option
  • No mobile app

Odie Pet Insurance Plans and Coverage

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. 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/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 $15-25 per month.

Odie’s additional add-ons help cover other charges you’ll see on your vet bills.

Exam Fee and Non-Regular Office Visits – 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/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.

Samples of Prices for Four Species/Breeds

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:

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 – $50, $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 dog’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 unavailable in Washington, Massachusetts, Illinois, Florida, Colorado, and Alaska. Odie is available in all other states. Pet insurance doesn’t operate through networks, so you can take your pet to any licensed vet.

Odie Pet Insurance Reviews

You need to know what you’re signing up for before purchasing any pet insurance plan. We’ve compiled both positive and negative reviews from real Odie policyholders to give you a better picture of the provider.

Most customers say Odie has a friendly staff and provides great customer service. One customer expressed frustration with claim rejection. Odie replied by explaining different coverage add-ons and customer support resources.

“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

“Great experience.” –T. Platt, 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

Final Thoughts

We’re impressed that 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. 

We hope this Odie pet insurance review helps you compare providers and understand prices, so you can choose an option that fits your needs. With any pet insurance plan, you can rest assured knowing you won’t have to choose between your finances and your pet.

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 we think it’s the best pet insurance option for pet owners seeking cost-effective coverage. It has comparable waiting periods and a multi-pet discount but lacks a mobile app for easy accessibility. 

Factors

Odie

Spot

Lemonade

Embrace

Healthy Paws

ASPCA

Quote

Visit Site

Visit Site

Visit Site

Visit Site

Visit Site

Visit Site

Our Score

4.1/5

4.9/5

4.8/5

4.7/5

4.6/5

4.5/5

Average Monthly Cost for Dogs

$25

$30-$50

$37

$30-$40

$39

$49

Average Monthly Cost for Cats

$10

$18-$25

$15

$15-$20

$12

$29

Waiting Period

3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events

14 days for accident and illness, 14 days for knee or ligament events

2 days for accidents, 14 days for illness, 6 months for cruciate ligament events

2 days for accidents, 14 days for illness, 6 months for orthopedic conditions

15 days for accident and illness, 12 months for hip dysplasia events

15 days for all accident and illness coverage

Multi-pet Discount 

5% off

10% off

5% off

10% off

No

10% off

Mobile App 

No

Yes

Yes

Yes

Yes

Yes

Wellness Add-on 

Yes

Yes

Yes

Yes

No

Yes

Online Chat 

Yes

No

Yes

Yes

No

Yes

BBB Rating

N/A

A

F

A+

A-

N/A

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.

Frequently Asked Questions

What are the advantages of Odie pet insurance?

Odie’s main advantage is its impressively low prices. Other pet insurance providers charge $35-$55 per month for dog insurance and $15-$35 per month for cat insurance. Odie claims that its plans are 15-30% cheaper than competitor plans, and we’ve found this to be true. 

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. Either way, Odie’s base prices are still surprisingly low.

How do I file a claim with Odie?

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.

Does Odie offer exotic pet insurance?

No, Odie only covers dogs and cats. 

Who underwrites Odie pet insurance?

Odie Pet Insurance Marketing, Inc is administered by Norse Specialty Insurance and underwritten by PrimeOne Insurance Company and Clear Blue Insurance Group.

What is Odie’s Prescription Formulary?

Odie’s Prescription Formulary lists over 950 medications covered under the Take Home Prescription Medication Coverage add-on.

What are Odie’s waiting periods?

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.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.