Odie Pet Insurance Review 2025: Is it Right for Your Pet?
Odie Pet Insurance, founded in 2019, is a relatively new pet insurance provider based in California that offers flexible and affordable insurance coverage for dogs and cats. suites-card-info#init . Odie Pet Insurance offers customizable accident and illness policies for dogs and cats, as well as accident-only plans and optional wellness add-ons. Business Insider compared Odie to the best pet insurance policies on the market and found it to be more affordable than many competitors. However, it doesn’t offer unlimited annual coverage options and has strict rules around preexisting conditions.
Pros and Cons
Odie Pet Insurance Pros
- Relatively low monthly premiums
- Customizable add-ons
- No upper age limits
- 24/7 Vet hotline access
- Travel coverage in the U.S., Canada, and Puerto Rico
- Optional wellness plan add-ons
Odie Pet Insurance Cons
- No unlimited annual coverage option
- Non-customizable 90% reimbursement
- No coverage for behavioral issues
- No curable preexisting condition coverage
- No prescription food coverage
- No mobile app
- F rating by the Better Business Bureau
Coverage Details
Odie offers two pet insurance plans: an injury and illness plan and an accident-only plan. The injury and illness plan includes coverage for common treatments like diagnostics and surgeries, with optional benefits such as office visit fees, rehabilitative care, and prescription coverage.
Covered Expenses
- 24/7 Tele-vet chat
- Office visits & exam fees
- Laboratory tests
- X-rays & ultrasounds
- MRI/CAT scans
- Medical supplies
- IV fluids & medications
- Emergency vet visits
- Overnight hospital stays
- Surgeries
- Organ or heart valve transplants
- Poison control consultation
- Foreign object ingestion
- Lacerations and wounds
- Toxic poisoning
- Bites & stings
- ACL tears
- Hip dysplasia
- Gastrointestinal issues
- Cancer treatment
- Diabetes & insulin
- Hereditary & congenital issues
- Breed-specific conditions
- Dental disease & fractures
- Tooth extractions
- Rehabilitative care
Cost and Pricing
The cost of Odie Pet Insurance varies based on the pet’s age, species, breed, and location. Sample quotes for a pet owner in Brooklyn, New York, were provided for an injury & illness plan with a $500 deductible, 90% reimbursement, and $10,000 annual limit.
Sample Premiums for Dogs
- French Bulldog (2-year-old): $39.72/month, (6-year-old): $64.47/month
- Labrador Retriever (2-year-old): $26.28/month, (6-year-old): $42.66/month
- Golden Retriever (2-year-old): $23.51/month, (6-year-old): $38.17/month
Sample Premiums for Cats
- Ragdoll (2-year-old): $10.97/month, (6-year-old): $17.81/month
- Maine Coon (2-year-old): $12.07/month, (6-year-old): $18.14/month
- Devon Rex (2-year-old): $12.26/month, (6-year-old): $19.90/month
Alternatives and Comparison
Business Insider compared Odie Pet Insurance with other providers like GEICO and Lemonade. While Odie is more affordable, GEICO offers more comprehensive coverage, including coverage for curable preexisting conditions after a waiting period. Lemonade offers higher annual limits of up to $100,000 and various discounts for bundling policies and enrolling multiple pets.
Customer Service and Claims
Odie has received complaints about delayed claim processing and unresponsive customer service, with an F rating from the Better Business Bureau. However, its policies are underwritten by companies with strong financial ratings.
In conclusion, Odie Pet Insurance is a viable option for pet owners seeking affordable coverage with customizable add-ons. However, its limitations in coverage and customer service concerns should be carefully considered before making a decision.
