Overall Rating: 3.3 / 5
Odie is a newer U.S. pet insurer with a deliberately simple Illness & Injury plan — two deductible options, two reimbursement rates, two annual limits — plus an optional wellness add-on that's unusually generous for the price. Premiums are competitive and the plan design is easy to understand. The catch: customer reviews on claims turnaround and support responsiveness are decidedly mixed, and that matters more for pet insurance than almost any other product, since you only find out how good your insurer is when you actually need to file a claim.
| Category | Rating | Notes |
|---|---|---|
| Coverage breadth | 4/5 | Standard accident & illness coverage, hereditary conditions included |
| Price / value | 4.5/5 | Competitive premiums, especially for cats |
| Plan simplicity | 4/5 | Easy to compare — only 2 deductibles, 2 reimbursement rates, 2 limits |
| Claims experience | 2/5 | Customer reviews report delays and denials more often than top-rated competitors |
| Wellness add-on | 4/5 | $34.99/mo for up to $700/yr in value — no waiting period, available even with pre-existing conditions |
Best for: Budget-conscious owners who want a straightforward plan without a long list of settings to configure, and who mainly want protection against a single large unexpected bill.
Not ideal for: Owners who prioritize a fast, hassle-free claims process above price — reviews suggest more established insurers currently have smoother claims handling.
Odie Pet Insurance Plans and Pricing
| Setting | Options |
|---|---|
| Annual deductible | $250 or $500 |
| Reimbursement rate | 70% or 90% |
| Annual limit | $10,000 or $40,000 |
| Eligible age | 8 weeks to 14 years |
| Waiting period (accident) | 3 days (varies by state) |
| Waiting period (illness) | 14 days |
| Waiting period (cruciate/ligament) | 6 months |
Sample monthly premiums (accident & illness plan, $250 deductible, 80–90% reimbursement):
- Domestic shorthair cat: ~$15–$26/month
- Labrador Retriever (1 year old): ~$30–$52/month
- French Bulldog (1 year old): ~$65–$110/month
What Odie Covers
- Accidents and injuries
- Illnesses — including chronic and hereditary conditions not present before enrollment
- Diagnostics, surgery, hospitalization, specialist referrals
- Prescription medications for covered conditions
- 24/7 vet telehealth through the member portal
Not covered: Pre-existing conditions — Odie looks back 18 months before your policy start date and excludes anything that showed symptoms in that window. Routine wellness care is excluded from the base plan (available via the wellness add-on).
Odie Wellness Add-On
For $34.99/month, Odie's wellness add-on provides up to $700/year in value covering annual exams, vaccines, flea/tick/heartworm prevention, dental cleanings, vitamins and supplements, acupuncture, chiropractic care, and some prescription food. Unlike the base insurance plan, the wellness add-on has no waiting period and is available even for pets with pre-existing conditions — useful if you want preventive-care budgeting without the underwriting restrictions of the illness & injury plan.
Claims Process
Claims must be submitted within 180 days of treatment. Odie does not pay vets directly — you pay upfront and submit for reimbursement, which arrives in 2–5 business days by direct deposit or 5–7 days by check. This is where Odie's reviews diverge most from its plan design: customer feedback on review sites reports longer-than-expected claim decisions and difficulty reaching support in some cases. If a fast, predictable claims process is your top priority, weigh this carefully against Odie's price advantage.
Pros and Cons
| Pros | Cons |
|---|---|
| Competitive premiums, especially for cats | Claims and customer service reviews are mixed — more complaints than top-rated competitors |
| Simple plan structure — easy to compare against other insurers | No direct vet payment; you pay upfront and wait for reimbursement |
| Generous, flexible wellness add-on with no waiting period | Only 2 deductible and 2 annual-limit options — less customizable than Spot or Pets Best |
| High annual limit option ($40,000) available | Newer brand — shorter track record than established insurers |
| 24/7 vet telehealth included | 6-month waiting period for cruciate/ligament conditions |
Frequently Asked Questions
Is Odie pet insurance good?
Odie's plan design and pricing are genuinely competitive — a simple, easy-to-understand structure with a strong wellness add-on. However, customer reviews on claims turnaround and support are mixed compared to more established insurers. It's worth getting a quote to compare price, but read recent customer reviews before deciding if the savings are worth the trade-off.
How much does Odie pet insurance cost?
Roughly $15–$26/month for cats and $30–$110/month for dogs, depending on breed, age, deductible, and reimbursement rate chosen. Cats are notably affordable; high-risk dog breeds like French Bulldogs cost significantly more.
Does Odie cover pre-existing conditions?
No — like virtually all pet insurers, Odie excludes pre-existing conditions, defined as anything that showed symptoms in the 18 months before your policy started. The optional wellness add-on is available regardless of pre-existing conditions, since it isn't underwritten insurance.
Does Odie pay vets directly?
No. You pay the vet bill upfront and submit a claim for reimbursement, which Odie states is typically processed within 2–7 business days once approved.