Pet Insurance Review – Odie Pet Insurance

I apologize this blog has taken so long to write! I had surgery in May, but then had complications, so it has been a bumpy road getting back to writing this pet insurance review.

A couple weeks ago, I wrote about pet insurance and if it was worth the cost. Today, I am going to provide a pet insurance review – Odie Pet Insurance… who is really worth looking into.

Odie Pet Insurance

Price: As low as $6.00 for cats; $9.00 for dogs



Odie is a newer pet insurance company that was created for the owner’s two dogs, Luke and Summer. Struggling to understand all the options and plan benefits plus the premium costs (which were unpredictable!), Luke and Summer’s parents decided they were going to make buying pet insurance much easier.

Their belief is everyone has access to affordable veterinarian care, and pet owners shouldn’t have to choose between their pets and their bank account. The company also believes that preventative care and education will ultimately help keep pets healthy and finances intact.

Pet Insurance Review – Odie Plan Options  

The Illness and Injury Plan

This plan covers a number of options if your dog or cat comes down with an illness or injury. Plans average around $25 a month for cats and $45 a month for dogs (based on a 3-year old mixed breed pet).

Plan Details: The Illness and Injury plan gives you deductible options of a $50 – $1,000 (in $50 increments) as well as reimbursement options of 70%, 80%, or 90%. Annual payout options are as follows: $5,000, $10,000, or $40,000.

Whats covered:

Pet Insurance Review - Odie Pet Insurance

What’s NOT Covered:

  • Pre-Existing Conditions
  • Training/Obedience Classes
  • Breeding, Pregnancy, or Birth Expenses
  • Prescription Food
  • Boarding
  • Cosmetic or Elective Procedures
  • Biohazard Fees
  • Preventative Care

Optional Add-Ons:

You have the ability to add on a couple options for an additional fee These options are:

  • Office Visits and Exam Fees: Fees in addition to the diagnostic tests or treatments
  • Take Home Prescription Medications: Odie covers up to 950 different prescriptions
  • Rehabilitation, Acupuncture, and Chiropractic Care: This option covers ongoing physical therapy to help mobility.
The Accident Only Plan

This plan will cover the cost of an emergency based on if your pet has a mishap/accident only up to $10,000 each year. Cost for this plan start at $6.00 for cats and $9.00 for dogs.

Plan Details: Accident only pays up to $10,000 each year. Your annual deductible (out-of-pocket) is $250 and Odie will reimburse you up to 90% of the veterinarian bills.

What’s Covered:

  • Injuries: Broken bones, sprains, damage to eyes, traumatic dental fractures
  • Wounds: lacerations, bite wounds, snake bites, and bee stings
  • Veterinarian Treatment: X-Rays, ultrasounds, lab tests, emergency care, hospitalization, CTs, MRIs, and surgery.

What’s NOT Covered:

  • Illnesses, diseases, and specific conditions: Breed-specific health issues, congenital diseases, chronic conditions, dental illness.
  • Specific Injuries: Preexisting injuries, cruciate ligament events, intentional acts or behavioral condition caused injuries.
  • Preventative Care: Routine / wellness visits, spay/neuter, vaccines, micro chipping, or teeth cleaning.

The Wellness Add-On:

Plan Details: This option can be added onto the Illness and Injury or the Accident Only plan for an additional premium. It is not an insurance plan, but an option that can help with the preventative care costs such as micro chipping, vaccinations, and flea/tick medications. There are no waiting periods, no annual deductible or co-insurance, and it covers pet’s with preexisting conditions.

Add-On Plan Options:

Additional Information


According to Odie, their offerings are superior to those of other pet insurance companies. In reviewing the options, it looks like Odie may have an upper hand on the overall cost; however, it will be based on the plan and options chosen as well as the age, breed, and overall health of your cat or dog.

Take a look at the comparison chart on Odie’s website:

Pet Insurance Review

Waiting Periods and Exclusions

When looking at pet insurance options, it is important to also consider waiting periods and exclusions. Odie has the following per their sample policy:

Waiting Periods

  • 14 days following the Policy Effective Date for any Illnesses and any related conditions.
  • 3 days following the Policy Effective Date for any Injuries and any related conditions.
  • 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related conditions.


  • Pre-Existing Conditions:
    • Chronic Conditions.
    • Bilateral Conditions, if your Pet had at any time any Pre-Existing Conditions
    • Intervertebral disc Conditions, if your Pet had at any time any Pre-Existing Conditions involving the intervertebral discs (due to either degeneration or trauma).
  • Preventative Care:
    • Wellness exams; parasite control, etc.
    • Elective and cosmetic procedures,
    • Spaying or neutering
    • Claims for Pets found to be healthy and presenting with no clinical symptoms
More Exclusions?
  • Other Exclusions (Costs, Fees, or Expenses) related to:
    • Treatments, therapies, and services described under the Supplemental Benefits coverage, if this coverage is not purchased at enrollment;
    • Any prescription or over-the-counter medications that are not included in their covered medication list;
    • Administrative charges for the processing of insurance claims and/or sending medical records;
    • Injuries due to any organized dog fighting, that involves you or a member of your household;
    • Breeding and pregnancy;
    • Boarding and transport expenses, including ambulance transportation;
    • Complications of or diagnostic tests, treatments, therapies, and/ or medications related to Conditions not covered.
    • Anal gland expression;
    • Typical bedding, housing, crates, cages, ramps, feeding accessories, etc
    • Biohazardous waste fees
    • Any Condition resulting from  training for or participating in racing, including track or sled racing;
    • Alternative and Holistic Treatments;
    • Experimental therapies and medications
    • Conditions arising from a repetitive and specific activity that leads to decontamination (e.g., the induction of vomiting), medical, or surgical treatment of your Pet.
    • Training and treatment of Behavioral Conditions
    • Cremation and burial;


Ok, I know that was a TON of information on Odie’s pet insurance options…especially when it pertains to the waiting period and exclusions, but I think it is important to give you the full picture of what to consider when purchasing a product.

Overall, I think Odie has a good policy. The company is fairly new to the insurance world, so there are not a ton of reviews out there; however, for the price and types of coverage, Odie has a decent offering.

There is only one thing left for you to do and that is…get a quote to see if Odie is right for you and your family!

12 thoughts on “Pet Insurance Review – Odie Pet Insurance”

  1. Hi Kelly, thank you for another informative post. On your surgery, I wish you a quick recovery. I like the illness and injury plan from Odie pet insurance. Much more excited that it covers poisons. I have had issues with my dog when poisoned. I had to walk through it alone to ensure he survive. From my experience, I believe this is an insurance every pet owner should pick up

    1. Thank you so much for the well wishes! I agree…the illness and injury plan seems to be the most comprehensive plan for those who are exposed to poisons, snake bites, etc…It at least helps to reduce the total cost, but also gives you a veterinarian to talk to 24/7. You won’t have to walk it alone next time.

  2. Wow, what an informative and detailed review of Odie Pet Insurance! I appreciate the thoroughness and clarity in explaining the different plan options and their coverage details. It’s great to see that Odie was created with the intention of making pet insurance more accessible and affordable for pet owners.

    One aspect that stands out to me is the focus on preventative care and education. It’s refreshing to see a pet insurance company recognizing the importance of keeping pets healthy and promoting responsible pet ownership. By covering options like office visits and exam fees, take-home prescription medications, and rehabilitation services, Odie seems to prioritize comprehensive care for pets.

    I’m particularly intrigued by the Wellness Add-On, which can assist with preventative care costs such as vaccinations and microchipping. It’s impressive that this option covers pets with preexisting conditions, and the absence of waiting periods, annual deductibles, and co-insurance makes it even more appealing.

    However, I do have a few questions regarding Odie’s offerings. Are there any age restrictions for pets to be eligible for coverage? Additionally, I would be interested to know if Odie offers any coverage for hereditary conditions, as this can be a concern for certain breeds.

    In terms of exclusions, it’s understandable that pre-existing conditions and chronic illnesses are not covered, as these are commonly excluded in pet insurance policies. However, I noticed some limitations in coverage for certain treatments, therapies, and medications under the Supplemental Benefits coverage. It would be helpful to have more information on what falls under this category and whether it can be added to the policy.

    As mentioned in the review, Odie is a relatively new player in the pet insurance industry, which might explain the limited number of reviews available. It would be interesting to hear from pet owners who have already enrolled their pets with Odie and learn about their experiences with claims processing, customer service, and overall satisfaction.

    Overall, based on the information provided, Odie Pet Insurance seems to offer a competitive policy with various options to suit different pet owners’ needs. I appreciate the transparency in outlining the waiting periods and exclusions, as these are crucial factors to consider when choosing a pet insurance provider.

    Thank you for sharing this comprehensive review


    M.T. Wolf

    1. Thanks M.T.! There is no age restriction; however, the older the pet, the more expensive the premium will be. I also did not see if there were specific hereditary restrictions; however, if the dog has been diagnosed with the hereditary disease, it probably won’t be covered because it would be a pre-existing condition. 

      The most important aspect when looking at coverages, would be to read the policy and talk to the company to ensure you have the coverage needed for your pet!

      Thanks again!

  3. I think that pet insurance is a must for anyone that cares about our small friends. If you consider making a health insurance for your family why not make one for your dog or cat. Aren’t these family too? As someone that had pets for more than 30 years I can say with certainty that a health insurance but be the absolute best thing someone can do for their pet.

    1. I agree! Pet Insurance can definitely decrease the amount paid out of pocket as well as decrease the amount of anxiety when seeing the vet bill!

  4. Thank you for the thorough review of Odie Pet Insurance! Despite being a newer company, Odie seems to offer affordable plans and good coverage options. While limited reviews may be available, the commitment to accessible veterinary care is commendable. It’s absolutely crucial for potential customers to consider waiting periods and exclusions before making a decision – thanks for pointing that out. Overall, your review provides valuable insights for those interested in pet insurance and Odie in particular.

  5. A well-written and informative review article. It will be of interest to anyone who is in the market for pet insurance.

    I liked the use of headlines, infographics and short paragraphs in your layout. It made your article easy to read and understand.

    Pets are a big market sector these days as people love their pets almost as much as their children. So their pet’s health is a priority. Having pet insurance solves the headache of big unexpected vet bills.

    1. Pet Insurance can definitely help alleviate headaches when it comes to vet bills…especially with how expensive appointments cost. 

      Thanks for the comments!

  6. Hi Kelly,

    Thanks for such a great review of Odie-pet-Insurance. 

    Coincidently, we’ve only just created a new policy for our little Boston terrier… He hurt his paw while running along the beach and we had to take him to the emergency vet on Sunday a couple of months ago. 

    All told it cost us $1200… OUCH!

    So, we quickly signed up with a reputable company here in the UK.

    Again, thanks for the heads up and hope you’re feeling better after your op’



    P.S: I read the other comments, and there’s not a lot more I can add ; )

    1. Yes! Emergency bills are soooo expensive. I am glad you found a pet insurance co in the UK that can help out.

      Hopefully, you won’t have to use the insurance too much in the future.

      Thanks for the comments!

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