Our Last Verdict
We give Odie Pet Insurance coverage a score of 4.8 out of 5 stars.
Having pet insurance coverage is a accountable transfer whenever you’re a dad or mum to a four-legged greatest good friend. Accidents, sicknesses, and wellness are all prices that may shortly skyrocket past anybody’s finances, and insurance coverage is there to assist. Odie is aiming to vary the pet insurance coverage trade by providing an easy-to-understand, customizable, inexpensive choice for all of us pet dad and mom on the market (being, on common, 15-30% inexpensive than comparable corporations). Belief 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 coverage Evaluation
Execs
- Funds-friendly insurance coverage
- Supplies protection in all the United States, in addition to Canada
- No breed or age restrictions
- 90% reimbursement on all lined remedies
- Customizable
- 24/7 tele-vet care is included
- Wellness Plan is out there
- Submitting a declare is fast and simple
- Very brief ready durations
- No price elevated based mostly on declare historical past
Cons
- The breed listing is out of order
- There is no such thing as a limitless payout choice
- Bilateral and behavioral situations are thought-about pre-existing and excluded
About Odie Pet Insurance coverage
Odie is a comparatively new kind of insurance coverage firm that has hit the pet protection market, and Odie is shortly making its title identified amongst the opposite big-name pet insurance coverage suppliers. Having been based by a pet proprietor who was annoyed with the method of discovering insurance coverage for his or her canines Luke and Summer season, Odie prides themselves on making pet insurance coverage simple to know, inexpensive, and no fuss! Fortunate for all of us, Luke and Summer season’s dad and mom are three-generation insurance coverage consultants, so Odie was craftfully designed by somebody with plenty of information in that trade.
Odie’s manifesto greatest discloses the core rules of this insurance coverage firm, that are Affordability, Prevention, and Dedication. Odie believes that insurance coverage ought to be an inexpensive and accessible choice 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 infrequently have a pet’s life held within the steadiness over price. Odie believes that schooling and preventative care assist make pets more healthy, which is why the corporate developed a Wellness plan to additional facilitate blissful pets and cut back claims. Odie’s dedication to their prospects and beloved pets goals to shine by with compassion and glorious customer support.
Alongside all of this, Odie supplies protection in all states and might be some of the complete protection areas of lots of the large pet insurance coverage gamers. From Odie themselves, “we offer therapy protection whereas the pet is within the US, Canada, or any area underneath US authorities management, together with territories or army installations/bases in overseas nations. If a pet requires medical therapy or veterinary providers in these specified areas, the coverage will cowl the related prices per the phrases and situations of the insurance coverage contract.” This additionally offers 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 limiteless payout choice like another pet insurances supply. You may solely select between a $10,000 or $40,000 annual restrict. Nonetheless, this does assist Odie stay inexpensive and fact be informed, 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 inclined to overspend on insurance coverage.
On the notice of the typical pet proprietor, Odie’s insurance policies are greatest meant to your common pet. Purebred canine and cat breeders, canine sports activities lovers, and dealing animals aren’t actually the marketplace for Odie – so the insurance policies don’t are inclined 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 (Up to date in 2024)
Pet Insurance coverage Value Comparability
| Firm | Pattern Month-to-month Value For Canine | Pattern Month-to-month Value For Cats | Be taught Extra |
| Odie | $9 for the Accident Plan, $45 for the Sickness and Damage Plan | $6 for the Accident Plan, $25 for the Sickness and Damage 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 Coverage
Odie has three base insurance policies to select from:
The Sickness & Damage Plan
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- This absolutely customizable plan permits you to select what you need or have to be lined. This helps cut back price, as you gained’t be charged for protection that isn’t obligatory. On common, this plan comes out to $45 for canines and $25 for cats.
- This plan additionally consists of limitless, around-the-clock tele-vet for any questions, considerations, or wants. A member of Odie can be obtainable always for any policy-related queries and customer support.
- The ready durations are brief, and claims are processed in a short time.
- There are multi-pet reductions as nicely for this plan
The Accident Solely Plan
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- This plan is solely for emergency vet visits, which can assist pet house owners on a good finances sleep simpler at night time, figuring out that any harm attributable to an accident will likely be lined. The beginning price is $9 monthly for canines and $6 monthly for cats.
- That is additionally an ideal choice for pets with pre-existing situations, whose situations trigger them to be extra vulnerable to accidents.
- Accidents reminiscent of damaged bones, sprains, eye accidents, traumatic dental fractures, bites, lacerations, snake bites, and bee stings are lined. Veterinary remedies related to these accidents, reminiscent of X-rays and emergency care, are additionally lined.
Odie’s Wellness Plan
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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 obligatory care, reminiscent of flea medicine, yearly check-ups, vaccinations, microchipping, and extra. This isn’t 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.
- As a result of 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 Sickness & Damage Plan
- Select between a $250 deductible or $500 deductible
- Select between a $10,000 annual restrict or $40,000 annual restrict
- Workplace Go to and Examination Price Protection is non-compulsory
- Rehabilitative Care Protection is non-compulsory
- Prescriptions Protection is non-compulsory
The Accident Solely 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 harm, MRIs, CAT scans, and X-rays. The deductible is $250.
The Wellness Plan
The Fundamental Plan
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- Rabies Vaccinations: $15
- Flea & Tick Prevention: $50
- Heartworm Prevention: $30
- Vaccination / Titer: $30
- Wellness Examination: $50
- Heartworm Take a look at or FELV Display screen: $25
- Blood, Fecal, Parasite Examination: $50
- Microchip: $20
- Urinalysis or ERD: $15
- Deworming: $20
- Doesn’t cowl spay/neuter
- Doesn’t cowl enamel cleanings
The Plus Plan
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- Spay/Neuter and/or Tooth Cleansing: $150
- Rabies Vaccination: $15
- Flea & Tick Prevention: $65
- Heartworm Prevention: $30
- Vaccination / Titer: $40
- Wellness Examination: $50
- Heartworm Take a look at or FELV Display screen: $30
- Blood, Fecal, Parasite Examination: $70
- Microchip: $40
- Urinalysis or ERD: $25
- Deworming: $20
Odie Pet Insurance coverage Value Comparability for Canine
| Breed Identify | Small Blended Breed | Border Collie |
| Male or Feminine | Feminine | Male |
| Age | 8 years previous | 1 yr previous |
| Location | Los Angeles, CA | Las Vegas, NV |
| Reimbursement Degree | 90% | 90% |
| Annual Deductible | $500 | $250 |
| Annual Max | $10,000 | $40,000 |
| Value monthly | $88.71 | $38.50 |
| Breed Identify | Beneath 1 | 5 Years Previous |
| 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 Sickness & Damage Plan offers you a deductible choice of both $250 or $500. The The Accident Solely Plan has a set deductible of $250. Odie’s Wellness Plan has no deductible.There are not any limits to the quantity of claims a buyer could make. The claims course of is kind of easy and is similar or much like different insurance coverage corporations. A declare should be submitted inside 180 days of the therapy date. Prospects can use their account and on-line portal to submit a declare digitally, which merely requires importing the requested paperwork. In any other case, prospects can request a declare type, which Odie will mail, e-mail, textual content message, or fax based mostly on their desire.
Claims are investigated inside 5 enterprise days; nevertheless, this time can differ 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 lined.
Please notice that you could submit your pet’s medical data prior to creating the primary declare. You’ll not should repeat this afterward.
What Does Odie Pet Insurance coverage Cowl?
All of Odie’s Pet Insurance policy cowl 90% of prices, so that you’ll solely be out of pocket 10%! That is completely unimaginable, as few insurance coverage corporations come this shut.
The annual deductible choices are both $250 or $500, and the utmost yearly protection is optioned at $10,000 per yr or $40,000 per yr.
The Sickness & Damage Plan
Lined
- 24/7 Televet Chat
- Laboratory Exams
- Diabetes & Insulin
- Emergency Vet Visits
- Hereditary & Congenital points
- Most cancers Therapy
- In a single day Hospital Stays
- Breed-specific Circumstances
- Tooth Extractions
- IV Fluids & Drugs
- Hip Displaysia
- Poison Management Session
- Medical Provides
- International Object Ingestion
- Lacerations and Wounds
- Surgical procedures
- Poisonous Poisoning
- Bites & Stings
- MRI/CAT Scans
- X-rays & Ultrasounds
- Therapy for Behavioral points
- Rehabilitative Care
- Workplace Visits & Examination Charges
- Dental Illness & Fractures
- Prescription Drugs
- ACL Tears
- Organ or Coronary heart Valve Transplants
- Gastrointestinal Points
- There are various extra coverages, as long as it isn’t listed within the Not Lined class
Not Lined
- Pre-existing situations
- Dental prophylaxis and related care
- Endodontic therapy for enamel aside from the canines and carnassials
- Open or closed root planing at any time for any motive
- Any therapy for supernumerary enamel, absent enamel, and malocclusion
- Coaching/obedience lessons
- Boarding
- Breeding, being pregnant, or start bills
- Prescription meals
- Beauty or elective procedures
- Biohazard charges
- Preventative Care (this may be added with the Wellness Plan)
- Any prescription or over-the-counter medicines that isn’t included within the prescription formulary
- Accidents resulting from any intentional act, reminiscent of unlawful canine combating
- Problems of diagnostic checks, remedies, therapies, and/ or medicines associated to Circumstances not lined or restricted
- Anal gland expulsion
- Pet care merchandise
- Any Situation ensuing from actions associated to coaching for or collaborating in racing, together with monitor or sled racing
- Holistic and different remedies
- Experimental therapies and coverings
- Cremation and burial
The Accident Solely Plan
Lined
- Damaged bones
- Sprains
- Eye accidents
- Traumatic dental fractures
- Chunk 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
- Surgical procedure associated to accidents
Not Lined
- Breed-specific well being points or sicknesses, congenital situations, continual situations, dental Sickness
- Pre-existing accidents, cruciate ligament occasions, or Accidents resulting from behavioral situations or intentional acts
- Routine or wellness care consists of checkups, vaccinations, spay/neuter, microchipping or teething cleansing
- Every thing else aside from the above protection
Pre-Present Circumstances
Like most pet insurance coverage corporations, pre-existing situations should not lined underneath Odie’s Sickness & Damage Plan. Odie defines pre-existing situations as continual situations, bilateral situations, intervertebral disc situations, and any situation that had been recognized earlier than the coverage began or in the course of the ready interval.
Ready Durations
Insurance coverage corporations 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 go earlier than protection begins. Odie’s ready durations are the next:
- Unintentional Accidents: 3 days
- Diseases: 14 days
- Cruciate Ligament Occasions: 6 months
That is why it’s essential to have insurance coverage to your pet earlier than one thing unhealthy occurs.
This being stated, Odie states that in some cases, the ready durations could also be decreased or waived by pre-approved channels the place the animal’s well being is licensed by a collaborating veterinarian earlier than protection is bought.
Incessantly Requested Questions (FAQ)
Is there a multi-pet family low cost?
Sure! There’s a 5% low cost for a number of pets.
Does Odie cowl pets that aren’t canines or cats?
At the moment, Odie solely covers canines and cats.
What’s a Prescription Formulary that Odie states on their Sickness & Damage Plan?
The Prescription Formulary is a listing of about 950 medicines that Odie’s insurance coverage will cowl underneath their Take House Prescription Medicine Protection.
What if I need to cancel my coverage?
What is exclusive about Odie is that prospects have a 30-day money-back assure if no claims are lined. In any other case, shoot Odie an e-mail to cancel your coverage.
Our Verdict
Though Odie is newer to the pet insurance coverage world, there is no such thing as a motive to hesitate on them – Odie is by far probably the most inexpensive plan on the market! Even if you happen to can solely afford the Accident Solely insurance coverage plan, that also offers appreciable reduction ought to one thing happen. With protecting 90% of therapy prices in each the Damage & Sickness and the Accident plans, I’m astonished that that is attainable. The annual deductible isn’t too excessive both, and I’m positively placing my very own pup on Odie as quickly as I end scripting this.
