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We give Odie Pet Insurance a score of 4.8 out of 5 stars.
Having pet insurance coverage is a accountable transfer if you’re a guardian to a four-legged greatest pal. Injuries, diseases, and wellness are all prices that may rapidly skyrocket past anybody’s funds, and insurance coverage is there to assist. Odie is aiming to vary the pet insurance coverage business by providing an easy-to-understand, customizable, reasonably priced possibility for all of us pet dad and mom on the market (being, on common, 15-30% cheaper than comparable firms). Trust me, having insurance coverage and by no means utilizing it’s higher than discovering your self within the emergency room with out it.
Odie Pet Insurance Review
- Budget-friendly insurance coverage
- Provides protection in all the United States, in addition to Canada
- No breed or age restrictions
- 90% reimbursement on all coated remedies
- Customizable
- 24/7 tele-vet care is included
- Wellness Plan is on the market
- Filing a declare is fast and straightforward
- Very quick ready durations
- No fee elevated based mostly on declare historical past
- The breed record is out of order
- There is not any limitless payout possibility
- Bilateral and behavioral situations are thought of pre-existing and excluded
About Odie Pet Insurance
Odie is a comparatively new kind of insurance coverage firm that has hit the pet protection market, and Odie is rapidly making its title identified amongst the opposite big-name pet insurance coverage suppliers. Having been based by a pet proprietor who was pissed off with the method of discovering insurance coverage for his or her canine Luke and Summer, Odie prides themselves on making pet insurance coverage simple to grasp, reasonably priced, and no fuss! Lucky for all of us, Luke and Summer’s dad and mom are three-generation insurance coverage specialists, so Odie was craftfully designed by somebody with a number of information in that business.
Odie’s manifesto greatest discloses the core ideas of this insurance coverage firm, that are Affordability, Prevention, and Commitment. Odie believes that insurance coverage ought to be an reasonably priced and accessible possibility for all, particularly with the staggering statistic of solely 2% of canine and cat house owners having insurance coverage. When an emergency occurs, vet payments could be devastating – and sometimes have a pet’s life held within the stability over price. Odie believes that training and preventative care assist make pets more healthy, which is why the corporate developed a Wellness plan to additional facilitate blissful pets and scale back claims. Odie’s dedication to their prospects and beloved pets goals to shine by with compassion and wonderful customer support.
Alongside all of this, Odie offers protection in all states and might be one of the complete protection areas of lots of the huge pet insurance coverage gamers. From Odie themselves, “we offer remedy protection whereas the pet is within the US, Canada, or any area underneath US authorities management, together with territories or navy installations/bases in overseas international locations. If a pet requires medical remedy or veterinary companies in these specified areas, the coverage will cowl the related prices per the phrases and situations of the insurance coverage contract.” This additionally provides you peace of thoughts when touring or relocating together with your pet.
All of this being stated some have criticized Odie for not having a vast payout possibility like another pet insurances provide. You can solely select between a $10,000 or $40,000 annual restrict. However, this does assist Odie stay reasonably priced and reality be advised, most common pet house owners is not going to cross the brink of a $40,000 yearly restrict of their pet’s lifetime! As such, pet house owners are likely to overspend on insurance coverage.
On the notice of the common pet proprietor, Odie’s insurance policies are greatest meant to your common pet. Purebred canine and cat breeders, canine sports activities fanatics, and dealing animals aren’t actually the marketplace for Odie – so the insurance policies don’t are likely to cowl medical prices related to these practices. If something, Odie particularly states they won’t cowl prices associated to breeding, coaching canines for racing or sledding, and the like.
Pricing & Plans (Updated in 2024)
Pet Insurance Cost Comparison
| Company | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Learn More |
| Odie | $9 for the Accident Plan, $45 for the Illness and Injury Plan | $6 for the Accident Plan, $25 for the Illness and Injury Plan | Get Quote |
| Lemonade | $19.44 | $11.00 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Policy
Odie has three base insurance policies to select from:
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- This totally customizable plan means that you can select what you need or have to be coated. This helps scale back price, as you gained’t be charged for protection that isn’t vital. On common, this plan comes out to $45 for canine and $25 for cats.
- This plan additionally contains limitless, around-the-clock tele-vet for any questions, issues, or wants. A member of Odie can be obtainable always for any policy-related queries and customer support.
- The ready durations are quick, and claims are processed in a short time.
- There are multi-pet reductions as nicely for this plan
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- This plan is completely for emergency vet visits, which might help pet house owners on a good funds sleep simpler at evening, understanding that any damage brought on by an accident shall be coated. The beginning price is $9 monthly for canine and $6 monthly for cats.
- This can be an ideal possibility for pets with pre-existing situations, whose situations trigger them to be extra prone to accidents.
- Injuries reminiscent of damaged bones, sprains, eye accidents, traumatic dental fractures, bites, lacerations, snake bites, and bee stings are coated. Veterinary remedies related to these accidents, reminiscent of X-rays and emergency care, are additionally coated.
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- This plan is solely to cut back prices for routine pet care, serving to maintain our furry ones wholesome. The Wellness Plan offsets the price of common vital care, reminiscent of flea treatment, yearly check-ups, vaccinations, microchipping, and extra. This is just not a medical health insurance plan, only a plan to help with prices related to pet care. This comes out to $14 monthly for the essential plan and $23 monthly for the plus plan.
- Because this isn’t a medical health insurance providing, there is no such thing as a ready interval nor deductible, and pets with pre-existing situations are relevant (as a result of pre-existing situations don’t matter).
- There are bundles obtainable the place you may pair Odie’s Wellness Plan with their insurance policy.
Customizations
The Illness & Injury Plan
- Choose between a $250 deductible or $500 deductible
- Choose between a $10,000 annual restrict or $40,000 annual restrict
- Office Visit and Exam Fee Coverage is optionally available
- Rehabilitative Care Coverage is optionally available
- Prescriptions Coverage is optionally available
The Accident Only Plan
No customizations. All insurance policies have a $10,000 annual restrict with a 90% reimbursement on emergency care, hospitalization, surgical procedure, lab checks related to an damage, MRIs, CAT scans, and X-rays. The deductible is $250.
The Wellness Plan
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- Rabies Vaccinations: $15
- Flea & Tick Prevention: $50
- Heartworm Prevention: $30
- Vaccination / Titer: $30
- Wellness Exam: $50
- Heartworm Test or FELV Screen: $25
- Blood, Fecal, Parasite Exam: $50
- Microchip: $20
- Urinalysis or ERD: $15
- Deworming: $20
- Does not cowl spay/neuter
- Does not cowl tooth cleanings
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- Spay/Neuter and/or Teeth Cleaning: $150
- Rabies Vaccination: $15
- Flea & Tick Prevention: $65
- Heartworm Prevention: $30
- Vaccination / Titer: $40
- Wellness Exam: $50
- Heartworm Test or FELV Screen: $30
- Blood, Fecal, Parasite Exam: $70
- Microchip: $40
- Urinalysis or ERD: $25
- Deworming: $20
Odie Pet Insurance Price Comparison for Dogs
| Breed Name | Small Mixed Breed | Border Collie |
| Male or Female | Female | Male |
| Age | 8 years previous | 1 12 months previous |
| Location | Los Angeles, CA | Las Vegas, NV |
| Reimbursement Level | 90% | 90% |
| Annual Deductible | $500 | $250 |
| Annual Max | $10,000 | $40,000 |
| Price monthly | $88.71 | $38.50 |
| Breed Name | Under 1 | 5 Years Old |
| Golden Retriever | $29.95 monthly | $40.37 monthly |
| Toy Poodle | $18.89 monthly | $21.25 monthly |
| Cocker Spaniel | $25.55 monthly | $34.44 monthly |
Deductibles & Claims
The Illness & Injury Plan provides you a deductible possibility of both $250 or $500. The The Accident Only Plan has a set deductible of $250. Odie’s Wellness Plan has no deductible.There aren’t any limits to the quantity of claims a buyer could make. The claims course of is kind of easy and is identical or much like different insurance coverage firms. A declare should be submitted inside 180 days of the remedy date. Customers can use their account and on-line portal to submit a declare digitally, which merely requires importing the requested paperwork. Otherwise, prospects can request a declare type, which Odie will mail, electronic mail, textual content message, or fax based mostly on their choice.
Claims are investigated inside 5 enterprise days; nonetheless, this time can range based mostly on the small print of the declare. Claims involving pre-existing situations are the commonest to be denied, however typically talking, claims that fall throughout the coverage phrases are coated.
Please notice that you have to submit your pet’s medical data prior to creating the primary declare. You is not going to should repeat this afterward.
What Does Odie Pet Insurance Cover?
All of Odie’s Pet Insurance plans cowl 90% of prices, so that you’ll solely be out of pocket 10%! This is totally unbelievable, as few insurance coverage firms come this shut.
The annual deductible choices are both $250 or $500, and the utmost yearly protection is optioned at $10,000 per 12 months or $40,000 per 12 months.
The Illness & Injury Plan
- 24/7 Televet Chat
- Laboratory Tests
- Diabetes & Insulin
- Emergency Vet Visits
- Hereditary & Congenital points
- Cancer Treatment
- Overnight Hospital Stays
- Breed-specific Conditions
- Tooth Extractions
- IV Fluids & Medications
- Hip Displaysia
- Poison Control Consultation
- Medical Supplies
- Foreign Object Ingestion
- Lacerations and Wounds
- Surgeries
- Toxic Poisoning
- Bites & Stings
- MRI/CAT Scans
- X-rays & Ultrasounds
- Treatment for Behavioral points
- Rehabilitative Care
- Office Visits & Exam Fees
- Dental Disease & Fractures
- Prescription Medications
- ACL Tears
- Organ or Heart Valve Transplants
- Gastrointestinal Issues
- There are many extra coverages, as long as it’s not listed within the Not Covered class
- Pre-existing situations
- Dental prophylaxis and related care
- Endodontic remedy for tooth aside from the canines and carnassials
- Open or closed root planing at any time for any purpose
- Any remedy for supernumerary tooth, absent tooth, and malocclusion
- Training/obedience courses
- Boarding
- Breeding, being pregnant, or start bills
- Prescription meals
- Cosmetic or elective procedures
- Biohazard charges
- Preventative Care (this may be added with the Wellness Plan)
- Any prescription or over-the-counter drugs that isn’t included within the prescription formulary
- Injuries as a result of any intentional act, reminiscent of unlawful canine combating
- Complications of diagnostic checks, remedies, therapies, and/ or drugs associated to Conditions not coated or restricted
- Anal gland expulsion
- Pet care merchandise
- Any Condition ensuing from actions associated to coaching for or taking part in racing, together with monitor or sled racing
- Holistic and different remedies
- Experimental therapies and coverings
- Cremation and burial
The Accident Only Plan
- Broken bones
- Sprains
- Eye accidents
- Traumatic dental fractures
- Bite wounds
- Lacerations
- Snake bites
- Bee stings
- X-rays associated to accidents
- Ultrasounds associated to accidents
- Laboratory checks associated to accidents
- Emergency care associated to accidents
- Hospitalization associated to accidents
- CT Scan associated to accidents
- MRI associated to accidents
- Surgery associated to accidents
- Breed-specific well being points or diseases, congenital situations, continual situations, dental Illness
- Pre-existing accidents, cruciate ligament occasions, or Injuries as a result of behavioral situations or intentional acts
- Routine or wellness care contains checkups, vaccinations, spay/neuter, microchipping or teething cleansing
- Everything else aside from the above protection
Pre-Existing Conditions
Like most pet insurance coverage firms, pre-existing situations usually are not coated underneath Odie’s Illness & Injury Plan. Odie defines pre-existing situations as continual situations, bilateral situations, intervertebral disc situations, and any situation that had been identified earlier than the coverage began or in the course of the ready interval.
Waiting Periods
Insurance firms apply ready durations to make sure that insurance coverage fraud isn’t dedicated, which implies that your coverage requires a choose period of time to cross earlier than protection begins. Odie’s ready durations are the next:
- Accidental Injuries: 3 days
- Illnesses: 14 days
- Cruciate Ligament Events: 6 months
This is why it’s essential to have insurance coverage to your pet earlier than one thing dangerous occurs.
This being stated, Odie states that in some situations, the ready durations could also be diminished or waived by pre-approved channels the place the animal’s well being is licensed by a taking part veterinarian earlier than protection is bought.
Frequently Asked Questions (FAQ)
Is there a multi-pet family low cost?
Yes! There is a 5% low cost for a number of pets.
Does Odie cowl pets that aren’t canine or cats?
At this time, Odie solely covers canine and cats.
What is a Prescription Formulary that Odie states on their Illness & Injury Plan?
The Prescription Formulary is an inventory of about 950 drugs that Odie’s insurance coverage will cowl underneath their Take Home Prescription Medication Coverage.
What if I wish to cancel my coverage?
What is exclusive about Odie is that prospects have a 30-day money-back assure if no claims are coated. Otherwise, shoot Odie an electronic mail to cancel your coverage.
Our Verdict
Although Odie is newer to the pet insurance coverage world, there is no such thing as a purpose to hesitate on them – Odie is by far essentially the most reasonably priced plan on the market! Even if you happen to can solely afford the Accident Only insurance coverage plan, that also provides appreciable aid ought to one thing happen. With protecting 90% of remedy prices in each the Injury & Illness and the Accident plans, I’m astonished that that is doable. The annual deductible isn’t too excessive both, and I’m positively placing my very own pup on Odie as quickly as I end penning this.
