Odie Pet Insurance Review

Odie pet insurance plans and cost

You can add a routine care wellness plan, take a basic accident-only plan, or go with an Illness & Injury plan. On the Illness & Injury plan, published price examples put dogs at an average of $45 per month and cats at $25 per month. That figure is one published example drawn from the company average, so it isn't a typical price for your pet.

Plan settings give you fixed options to choose from for coverage limits and what you pay out of pocket. The deductible is what you pay each year toward covered vet bills before the plan begins paying. Reimbursement is the percentage the insurance company pays back to you on a covered vet bill.

• [Yearly deductibles: $250 or $500 per year.
• [Payout rates: covered costs are paid back at 70%, 80%, or 90%.
• [Annual limits: the yearly payout cap is $10,000 or $40,000.
• [Multi-pet discount: 5% off applies when multiple pets are enrolled in an Illness & Injury policy.

Coverage and exclusions from Odie

Unexpected accidents, illnesses, and behavioral problems are covered by the Illness & Injury plan. The plan also covers hereditary conditions, though dental illness coverage is limited.

A number of services fall outside the base policy unless you buy an optional add-on:

• Office visit exam fees.
• Alternative therapy treatment.
• Routine wellness visits for everyday preventive care.

If signs show up before coverage begins, or during a waiting period, the illness or injury is pre-existing. According to the policy rules, key exclusions are never covered:

• Pre-existing conditions on any policy.
• Breeding and pregnancy, plus giving birth.
• Grooming and cosmetic procedures, such as ear cropping, tail docking, and declawing.

Waiting periods and age limits for Odie

A waiting period is how long you wait after buying a policy before your coverage really starts. Under the sample policy, a condition isn't covered until your pet has passed these waiting times:

• Accidents: 3 days.
• For illnesses, 14 days.
• For orthopedic conditions, 6 months.
• Cruciate ligament knee issues: 6 months.

To sign up for coverage, puppies and kittens have to be at least 7 weeks old. There's no upper age limit for older pets, so dogs and cats in their senior years can still sign up for a new plan.

Claims and reimbursement with Odie

Once you've had a vet visit, you submit your claim so eligible costs get paid back to you. Policyholders have no named mobile app to use, so you file claims online through the member portal.

How quickly claims get processed or paid isn't stated in the policy documents. Once your annual deductible is met, the plan pays you back at the rate you picked, up to your yearly limit.

Who Odie fits

This coverage works well for owners of older dogs or cats, because no upper age limit applies when you enroll. It also suits owners on a budget who want either an accident-only plan or a brief 3-day accident waiting period.

If you'd like vet exam fees covered as part of the base plan rather than paying for an add-on, you may want to look elsewhere. A 6-month cruciate ligament wait also applies to owners of dogs prone to knee injuries, and pre-existing conditions stay excluded from coverage.

Common questions

Is it worth getting Odie pet insurance?

A senior pet enrollment can make this policy a practical fit, and so can wanting a basic accident-only plan. Before you decide, check what optional add-ons such as exam fee coverage or routine care cost you each month.

Are pre-existing conditions covered by Odie pet insurance?

Chronic or ongoing pre-existing conditions are not covered by any policy when signs appeared before the end of your coverage or waiting period. Still, an infection that cleared up fully before you enroll doesn't count as pre-existing if it returns.

How can I get a quote for Odie pet insurance?

To request a quote online, use the company website and enter the details of your dog or cat. You can then compare prices across the deductible and annual limit combinations available, before buying.