Our Ultimate Verdict
We give Odie Pet Insurance coverage a ranking of four.eight out of 5 stars.
Having pet insurance coverage is a accountable transfer while you’re a father or mother to a four-legged finest buddy. Accidents, sicknesses, and wellness are all prices that may rapidly skyrocket past anybody’s finances, and insurance coverage is there to assist. Odie is aiming to alter the pet insurance coverage business by providing an easy-to-understand, customizable, inexpensive choice for all of us pet mother and father 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
Professionals
Finances-friendly insurance coverage
Supplies protection in the entire United States, in addition to Canada
No breed or age restrictions
90% reimbursement on all lined therapies
Customizable
24/7 tele-vet care is included
Wellness Plan is offered
Submitting a declare is fast and simple
Very quick 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 circumstances are thought-about pre-existing and excluded
About Odie Pet Insurance coverage
Odie is a comparatively new sort of insurance coverage firm that has hit the pet protection market, and Odie is rapidly making its identify 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 canine Luke and Summer time, Odie prides themselves on making pet insurance coverage straightforward to know, inexpensive, and no fuss! Fortunate for all of us, Luke and Summer time’s mother and father are three-generation insurance coverage consultants, so Odie was craftfully designed by somebody with quite a lot of information in that business.
Odie’s manifesto finest discloses the core ideas 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 may 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 completely satisfied pets and cut back claims. Odie’s dedication to their prospects and beloved pets goals to shine by means of with compassion and glorious customer support.
Alongside all of this, Odie supplies protection in all states and might be one of the complete protection areas of most of the large pet insurance coverage gamers. From Odie themselves, “we offer remedy protection whereas the pet is within the US, Canada, or any area below US authorities management, together with territories or army installations/bases in international nations. If a pet requires medical remedy or veterinary providers in these specified areas, the coverage will cowl the related prices per the phrases and circumstances of the insurance coverage contract.” This additionally provides you peace of thoughts when touring or relocating along with your pet.
All of this being mentioned some have criticized Odie for not having an infinite payout choice like another pet insurances supply. You'll be able to solely select between a $10,000 or $40,000 annual restrict. Nevertheless, this does assist Odie stay inexpensive and reality be advised, most common pet house owners won't cross the edge 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 finest meant on 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 Price Comparability
Firm
Pattern Month-to-month Price For Canine
Pattern Month-to-month Price For Cats
Study Extra
Odie
$9 for the Accident Plan, $45 for the Sickness and Harm Plan
$6 for the Accident Plan, $25 for the Sickness and Harm Plan
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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 & Harm Plan
This absolutely customizable plan lets you select what you need or must be lined. This helps cut back price, as you gained’t be charged for protection that isn’t essential. On common, this plan comes out to $45 for canine and $25 for cats.
This plan additionally consists of limitless, around-the-clock tele-vet for any questions, issues, or wants. A member of Odie can be out there 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 properly for this plan
The Accident Solely Plan
This plan is completely for emergency vet visits, which may also help pet house owners on a decent finances sleep simpler at night time, figuring out that any damage brought on by an accident might be lined. The beginning price is $9 per 30 days for canine and $6 per 30 days for cats.
That is additionally a terrific choice for pets with pre-existing circumstances, whose circumstances trigger them to be extra inclined to accidents.
Accidents resembling damaged bones, sprains, eye accidents, traumatic dental fractures, bites, lacerations, snake bites, and bee stings are lined. Veterinary therapies related to these accidents, resembling X-rays and emergency care, are additionally lined.
Odie’s Wellness Plan
This plan is solely to scale back prices for routine pet care, serving to hold our furry ones wholesome. The Wellness Plan offsets the price of common essential care, resembling flea treatment, yearly check-ups, vaccinations, microchipping, and extra. This isn't a medical insurance plan, only a plan to help with prices related to pet care. This comes out to $14 per 30 days for the essential plan and $23 per 30 days for the plus plan.
As a result of this isn't a medical insurance providing, there isn't a ready interval nor deductible, and pets with pre-existing circumstances are relevant (as a result of pre-existing circumstances don’t matter).
There are bundles out there the place you possibly can pair Odie’s Wellness Plan with their insurance policy.
Customizations
The Sickness & Harm 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 damage, MRIs, CAT scans, and X-rays. The deductible is $250.
The Wellness Plan
The Fundamental Plan
Rabies Vaccinations: $15
Flea & Tick Prevention: $50
Heartworm Prevention: $30
Vaccination / Titer: $30
Wellness Examination: $50
Heartworm Check 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 tooth cleanings
The Plus Plan
Spay/Neuter and/or Enamel Cleansing: $150
Rabies Vaccination: $15
Flea & Tick Prevention: $65
Heartworm Prevention: $30
Vaccination / Titer: $40
Wellness Examination: $50
Heartworm Check 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 Combined Breed
Border Collie
Male or Feminine
Feminine
Male
Age
eight 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 per 30 days
$88.71
$38.50
Breed Identify
Beneath 1
5 Years Outdated
Golden Retriever
$29.95 per 30 days
$40.37 per 30 days
Toy Poodle
$18.89 per 30 days
$21.25 per 30 days
Cocker Spaniel
$25.55 per 30 days
$34.44 per 30 days
Deductibles & Claims
The Sickness & Harm Plan provides 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 aren't any limits to the quantity of claims a buyer could make. The claims course of is sort of easy and is similar or much like different insurance coverage corporations. A declare should be submitted inside 180 days of the remedy 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, electronic mail, textual content message, or fax based mostly on their desire.
Claims are investigated inside 5 enterprise days; nevertheless, this time can fluctuate based mostly on the small print of the declare. Claims involving pre-existing circumstances are the commonest to be denied, however usually talking, claims that fall inside the coverage phrases are lined.
Please notice that it's essential to submit your pet’s medical data prior to creating the primary declare. You'll not must repeat this afterward.
What Does Odie Pet Insurance coverage Cowl?
All of Odie’s Pet Insurance coverage 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 & Harm Plan
Coated
24/7 Televet Chat
Laboratory Checks
Diabetes & Insulin
Emergency Vet Visits
Hereditary & Congenital points
Most cancers Remedy
In a single day Hospital Stays
Breed-specific Circumstances
Tooth Extractions
IV Fluids & Medicines
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
Remedy for Behavioral points
Rehabilitative Care
Workplace Visits & Examination Charges
Dental Illness & Fractures
Prescription Medicines
ACL Tears
Organ or Coronary heart Valve Transplants
Gastrointestinal Points
There are lots of extra coverages, as long as it's not listed within the Not Coated class
Not Coated
Pre-existing circumstances
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
Coaching/obedience courses
Boarding
Breeding, being pregnant, or beginning 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's not included within the prescription formulary
Accidents because of any intentional act, resembling unlawful canine preventing
Problems of diagnostic checks, therapies, 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 taking part in racing, together with observe or sled racing
Holistic and different therapies
Experimental therapies and coverings
Cremation and burial
The Accident Solely Plan
Coated
Damaged bones
Sprains
Eye accidents
Traumatic dental fractures
Chew 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 Coated
Breed-specific well being points or sicknesses, congenital circumstances, continual circumstances, dental Sickness
Pre-existing accidents, cruciate ligament occasions, or Accidents because of behavioral circumstances 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 circumstances should not lined below Odie’s Sickness & Harm Plan. Odie defines pre-existing circumstances as continual circumstances, bilateral circumstances, intervertebral disc circumstances, and any situation that had been recognized earlier than the coverage began or throughout 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 cross earlier than protection begins. Odie’s ready durations are the next:
Unintended Accidents: three days
Diseases: 14 days
Cruciate Ligament Occasions: 6 months
That is why it's essential to have insurance coverage on your pet earlier than one thing unhealthy occurs.
This being mentioned, Odie states that in some cases, the ready durations could also be lowered or waived by means of pre-approved channels the place the animal’s well being is licensed by a taking part veterinarian earlier than protection is bought.
Continuously 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 canine or cats?
At the moment, Odie solely covers canine and cats.
What's a Prescription Formulary that Odie states on their Sickness & Harm Plan?
The Prescription Formulary is a listing of about 950 medicines that Odie’s insurance coverage will cowl below their Take Residence Prescription Treatment 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 electronic mail to cancel your coverage.
Our Verdict
Though Odie is newer to the pet insurance coverage world, there isn't a purpose to hesitate on them – Odie is by far probably the most inexpensive plan on the market! Even for those who can solely afford the Accident Solely insurance coverage plan, that also provides appreciable reduction ought to one thing happen. With masking 90% of remedy prices in each the Harm & Sickness 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 scripting this.