Odie Pet Insurance Review 2025: Pros, Cons, and Coverage
Our expert's opinion on Odie
Odie offers two Accident & Illness plans aiming to cover major veterinary bills with a straightforward structure and accessible online support.
The two plans reimburse at 70% (with a $500 annual deductible) or 90% (with a $250 annual deductible), both with a $10,000 annual limit; preventive and routine care are excluded so there is no dedicated wellness budget, and add-on options exist for consultations and some alternative therapies. Compared with main competitors, Odie presents a simple two-tier offering with competitive entry pricing for common breeds and ages but a narrower preventive scope and mixed post-sale service experiences, positioning itself on affordability for core illness and injury cover rather than comprehensive wellness packages.
Best suited for owners who want core accident and illness cover for young to middle-aged dogs and cats, especially those seeking lower-cost entry options rather than full preventive coverage.
Odie is administered under Norse Specialty Insurance Services Inc. with a U.S. mailing address and a listed support phone; operational conveniences include unlimited 24/7 TeleVet chat and possible direct vet pay, but customer feedback has reported claim delays, denials, billing disputes, and slow support responsiveness.
- ✅Two clear reimbursement tiers (70% and 90%)
- ✅$10,000 annual limit
- ✅Lower entry pricing for common breeds and ages
- ✅24/7 TeleVet access
- ✅Direct vet pay option
- ✅Specialist consultations covered
- ✅Consultation and alternative medicine add-ons
- ❌Preventive and routine care exclusion
- ❌Pre-existing conditions excluded if within 18 months
- ❌Frequent customer reports of delayed or denied claims
- ❌No death, cremation, or burial cover
- ❌Key treatments contingent on purchased add-ons
Our expert's opinion on Odie
- ✅Two clear reimbursement tiers (70% and 90%)
- ✅$10,000 annual limit
- ✅Lower entry pricing for common breeds and ages
- ✅24/7 TeleVet access
- ✅Direct vet pay option
- ✅Specialist consultations covered
- ✅Consultation and alternative medicine add-ons
- ❌Preventive and routine care exclusion
- ❌Pre-existing conditions excluded if within 18 months
- ❌Frequent customer reports of delayed or denied claims
- ❌No death, cremation, or burial cover
- ❌Key treatments contingent on purchased add-ons
Score- ✅Two clear reimbursement tiers (70% and 90%)
- ✅$10,000 annual limit
- ✅Lower entry pricing for common breeds and ages
- ✅24/7 TeleVet access
- ✅Direct vet pay option
- ✅Specialist consultations covered
- ✅Consultation and alternative medicine add-ons
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Odie's Guarantees
Odie offers two primary configurations of a comprehensive accident & illness plan that differ mainly by reimbursement level and deductible, allowing owners to choose between a more cost-conscious option and a higher‑reimbursement option. Both configurations target owners seeking substantive medical coverage rather than wellness-only benefits, with core features including emergency care, surgery, imaging, lab tests, and specialist consultations (consultations and some treatments are dependent on purchased add-ons).
Deductible and reimbursement logic is straightforward: the lower‑reimbursement configuration uses a higher annual deductible, while the higher‑reimbursement configuration pairs a lower deductible with a higher reimbursement percentage, both capped at a $10,000 annual limit. Waiting periods are short for accidents and illnesses in general (3 days for accidents, 14 days for illness) but include a longer 6‑month orthopedic waiting period specifically for cruciate ligament events; alternative medicine and certain services are available only via add-on endorsements.
Strengths include clear surgical, imaging, and specialist coverage, 24/7 telehealth access via the member portal, and the option for direct vet payment where arrangements exist; limitations include limited preventive and dental coverage in the base plans, several add‑on dependencies for routine treatments and medications, and explicit exclusions for pre‑existing and certain chronic or bilateral conditions.
| Plan 1 | Plan 2 | |
|---|---|---|
| Plan positioning | Balanced | Enhanced |
| Type of coverage (accident/illness/both) | Accident & Illness | Accident & Illness |
| Animals covered (dogs, cats, other) | Dogs, cats | Dogs, cats |
| Reimbursement rate | 70% | 90% |
| Annual reimbursement limit | $10,000 | $10,000 |
| Deductible (annual or per claim) | $500 annual deductible | $250 annual deductible |
| Age limits for enrollment | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. |
| Waiting periods (accident / illness) | 3 days / 14 days (6 months for cruciate ligament events) | 3 days / 14 days (6 months for cruciate ligament events) |
| Lifetime coverage | N.C. | N.C. |
| Consultations | Add-on | Add-on |
| Medications | Add-on dependent | Add-on dependent |
| Hospitalization | N.C. | N.C. |
| Surgery | Yes | Yes |
| Diagnostic tests (imaging, lab) | Yes | Yes |
| Dental care | No (dental cleaning not covered) | No (dental cleaning not covered) |
| Preventive care (vaccinations, parasite control) | No | No |
| Alternative medicine | Add-on | Add-on |
| Travel coverage (care abroad) | N.C. | N.C. |
| Civil liability | N.C. | N.C. |
| Euthanasia | N.C. | N.C. |
| Death & cremation coverage | No | No |
| Theft or loss + search expenses | N.C. | N.C. |
| Boarding fees | No | No |
Odie excludes pre‑existing conditions identified in the 18 months prior to policy start or noted during waiting periods, including chronic, bilateral, and intervertebral disc conditions that showed signs before coverage began. Preventive and routine care (wellness exams, vaccinations, parasite control, routine ear cleaning, and elective/cosmetic procedures) are not covered under the base plans.
Many treatments and items are add‑on dependent: office visit coverage, take‑home medications, rehabilitation, and certain alternative or holistic therapies require corresponding supplemental coverage to be eligible. Administrative and non‑medical fees (boarding when not specifically covered, transport including ambulance, grooming, bedding, food, supplements, and similar items) are excluded, as are services related to breeding, intentional acts, organized fighting, and major events such as war or nuclear incidents.
Odie Exclusions
Odie’s exclusions focus on clearly defined medical and non-medical items, with a notable 18‑month pre‑existing condition lookback and a specific 6‑month waiting period for cruciate ligament events.
Routine preventive services are not covered unless a dedicated add-on is purchased, and several treatment types are excluded, including experimental therapies, alternative/holistic treatments, and prescription drugs not on the insurer’s formulary.
Add-on dependent items such as office visits, take‑home medications, and rehabilitation are excluded if the matching supplementary coverage is not selected, while administrative and non‑medical fees (boarding, grooming, supplies, claim processing) are also excluded.
Conditions related to breeding or professional activities, injuries from intentional acts, and losses from major external events are excluded, and end‑of‑life expenses like cremation and burial are not covered.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Treatment-specific exclusions |
|
| Add-on dependent treatments |
|
| Administrative & non-medical |
|
| Breeding & activities |
|
| Intentional acts & major events |
|
| End-of-life |
|
- Pre-existing conditions (18‑month lookback)
- Bilateral, chronic, and intervertebral disc conditions present before coverage
- Cruciate ligament events: 6‑month waiting period
- Experimental or investigational therapies
- Alternative/holistic treatments (e.g., homeopathy, reiki, stem cell therapy)
- Prescription medications not on insurer’s formulary
- Behavioral treatments excluded unless supplemental coverage applies
- Office visits, take‑home medications, rehabilitation excluded if corresponding supplemental coverage not purchased
- Administrative fees, boarding, transport (including ambulance if not covered), grooming, food, supplements, toys, anal gland expression
- Breeding, pregnancy, whelping, nursing, and professional or sporting activities (racing, guarding)
- Injuries from intentional acts (e.g., organized fighting), war, nuclear events, civil commotion, and certain pandemic-related exclusions
- Cremation and burial costs not covered
Odie's Prices
Odie sits in a mid‑range market position with two clear price tiers: a higher‑deductible, lower‑reimbursement option and a lower‑deductible, higher‑reimbursement option (both with $10,000 annual limits). Monthly premiums reflect that structure—policies with a $250 deductible and 90% reimbursement carry noticeably higher premiums than the $500 / 70% option—while breed and age drive further variation (brachycephalic breeds and senior dogs are materially more expensive).
Odie’s competitiveness is shaped by a largely digital cost structure and value add‑ins such as unlimited 24/7 TeleVet access and the possibility of direct vet payments, which reduce friction and justify part of the premium differential versus analog incumbents. Compared with more traditional carriers, Odie emphasizes modular add‑ons and fast digital servicing rather than broad, built‑in wellness packages or lifetime guarantees, which translates into transparent pricing for core accident & illness cover but potential extra spend for optional benefits.
To help you find the best match between your needs and budget, compare the monthly estimated prices by profile below.
| Profile of the animal | Annual Deductible $500, Reimbursement 70%, Annual Limit $10,000 | Annual Deductible $250, Reimbursement 90%, Annual Limit $10,000 |
|---|---|---|
| Dog Labrador 1 year | $46.13 | $78.58 |
| Dog Labrador 3 years | $46.13 | $78.58 |
| Dog Labrador 7 years | $90.46 | $154.09 |
| Dog Australian Shepherd 1 year | $34.66 | $59.04 |
| Dog Australian Shepherd 3 years | $34.66 | $59.04 |
| Dog Australian Shepherd 7 years | $53.38 | $90.93 |
| Dog French Bulldog 1 year | $87.09 | $148.34 |
| Dog French Bulldog 3 years | $87.09 | $148.34 |
| Dog French Bulldog 7 years | $170.77 | $290.89 |
| Cat European Shorthair 1 year | $16.85 | $28.70 |
| Cat European Shorthair 3 years | $18.57 | $31.64 |
| Cat European Shorthair 7 years | $29.65 | $50.50 |
| Cat Maine Coon 1 year | $19.13 | $32.59 |
| Cat Maine Coon 3 years | $21.09 | $35.92 |
| Cat Maine Coon 7 years | $33.66 | $57.34 |
| Cat British Shorthair 1 year | $18.24 | $31.07 |
| Cat British Shorthair 3 years | $20.11 | $34.25 |
| Cat British Shorthair 7 years | $32.10 | $54.67 |
Odie Promo Codes
| Odie Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Odie?
✅ Example 1: Consultation for ear infection
Total vet costs: $150 (consultation + medication)
Deductible amount to subtract: $150 (first expense of the policy year)
Amount reimbursable after deductible with the 90% plan: $150 – $150 = $0
90% of that amount reimbursed: $0 × 90% = $0
Remaining out-of-pocket cost: $150
👉 You receive a reimbursement of $0.
ℹ️ If the deductible is not exhausted by a small claim, future eligible expenses in the same year will be reimbursed once the remaining deductible is met.
✅ Example 2: Cruciate ligament surgery (stabilization)
Total vet costs: $4,500 (surgery, anesthesia, diagnostics, post-op meds)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable after deductible with the 90% plan: $4,500 – $0 = $4,500
90% of that amount reimbursed: $4,500 × 90% = $4,050
Remaining out-of-pocket cost: $450
👉 You receive $4,050.
ℹ️ A 6-month waiting period applies to cruciate ligament events; only surgeries occurring after that waiting period are eligible for reimbursement.
✅ Example 3: Emergency hospitalization and imaging for acute illness
Total vet costs: $2,200 (ER visit, hospitalization, imaging, medications)
Deductible amount to subtract: $250 (annual deductible)
Amount reimbursable after deductible with the 90% plan: $2,200 – $250 = $1,950
90% of that amount reimbursed: $1,950 × 90% = $1,755
Remaining out-of-pocket cost: $250 (deductible) + $195 (10% coinsurance) = $445
👉 You receive $1,755.
ℹ️ Reimbursements apply toward the $10,000 annual limit; direct vet pay may be available to reduce your upfront expenses.
Odie Assistance
Odie’s assistance is strong on telemedicine: unlimited 24/7 TeleVet chat with licensed veterinarians via the member portal provides rapid triage and guidance for urgent concerns.
Direct vet pay is offered where a prior arrangement with the clinic exists, which can minimize upfront costs for covered treatments, but ambulance services and cremation are not covered under standard plans.
Claims can be submitted through an online member portal and by email, supporting a paperless workflow, though customer reports indicate potential delays or difficulty reaching live support at times.
Some services are add‑on (consultations, alternative medicine) and international care details are N.C., so confirm specific support and partner clinic arrangements before relying on direct billing abroad.
| Assistance Odie | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Direct vet pay available if a prior arrangement exists with the veterinarian. This allows payment directly to the clinic to reduce your upfront outlay. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Member portal supports TeleVet and claims; mobile app presence and ratings N.C. |
| Paperless claims process | ✅ | Claims can be submitted via the online member portal or by email. Reimbursements processed electronically; direct vet pay when applicable. |
| Emergency vet service | ✅ | Unlimited 24/7 TeleVet chat with licensed veterinarians through the member portal for triage and emergency guidance. |
| Vet/clinic partner network | ✅ | Direct vet pay indicates arrangements with participating clinics. Contact support to confirm if your veterinarian is a partner. |
| Coverage abroad | ❌ | N.C. |
This allows payment directly to the clinic to reduce your upfront outlay.
Reimbursements processed electronically; direct vet pay when applicable.
Contact support to confirm if your veterinarian is a partner.
Customer reviews on Odie
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.6/5 (31 reviews) |
Some customers note positive interactions with support staff and report satisfactory transactions, including cases where claims were processed and refunds issued without prolonged dispute. Other users highlight helpful responses in early communications and occasional smooth claim experiences that left them satisfied with the service.
However, a recurrent theme among reviewers is frustration with delayed claim payments, slow or unresponsive customer support channels, and difficulties following the transition from a previous provider. Several accounts describe billing or portal issues and lengthy response times that eroded trust for some policyholders.
Here are some examples of customer reviews:
- KarenStrong — 21/07/2025 — “I was transferred over from ManyPets… my dog’s allergy treatments are NOT covered as promised… horrific customer service. Nobody answers chat, nobody answers the phone…”
- Patricia W — 24/07/2025 — “I have submitted multiple claims since May 2025… yet to receive reimbursement — or even meaningful communication… claim portal offers minimal transparency.”
- Kayla — 05/08/2025 — “We were transferred over to Odie from ManyPets… Every claim we submit is delayed by weeks… emails 7–15 days to reply… good luck getting an answer on the phone.”
Contact Odie
| Odie Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Visit the Odie website (getodie.com) to start an online quote or subscription. |
| To request and track a reimbursement | Submit claims via the Odie online portal. To request a claim form, email support@odiepetisurance.com. Required documents: N.C. Deadlines for submission: N.C. Reimbursement method: Direct vet pay may be available if a prior arrangement exists; otherwise N.C. |
| To obtain a certificate of insurance | Request process: N.C. Channels to request: N.C. Information required to issue a certificate: N.C. |
| To contact assistance | Phone: 877.327.0471; Email: support@odiepetisurance.com; Postal mail: Norse Specialty Insurance Services Inc., Department: Odie Pet Insurance, 29899 Agoura Rd, Ste 110, Agoura Hills, CA 91301; Online portal: getodie.com. |
| To cancel my policy | How to cancel: Contact Odie by phone, email, or postal mail to request cancellation. Information to provide: N.C. Deadlines for cancellation: N.C. Refund conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Odie?
Odie can pay veterinarians directly when a prior arrangement exists between your clinic and Odie, enabling eligible charges to be billed to the insurer.
To arrange direct vet pay, contact Odie before treatment so they can preauthorize and coordinate with your clinic.
If direct pay is not available, you will pay the clinic at the time of service and submit a claim for reimbursement afterward.
You remain responsible for any deductible, coinsurance, or items not covered by your selected plan at the point of care.
Keep invoices and authorization details to streamline direct payments or faster claim processing.
How do I cancel my pet insurance policy with Odie?
To cancel, contact Odie customer service by phone at 877.327.0471 or via the member portal or email as shown in your account.
Provide your policy number, policyholder name, and the pet’s identifying details so the agent can verify the request.
Odie may request a written cancellation request or completion of a form; follow the representative’s instructions and submit any required documents.
Ask for written confirmation of the cancellation and the effective date to keep a clear record of the termination.
Check your policy terms or ask the agent about any notice period or billing adjustments that may apply to your account.
What are the waiting periods for accident and illness coverage?
Odie applies short waiting periods: 3 days for accidents and 14 days for illness coverage from the policy start date.
Certain orthopedic events, such as cruciate ligament issues, have a longer waiting period of 6 months.
Clinical signs that appear during a waiting period are generally excluded from coverage.
Waiting periods may be relevant if coverage is canceled and later reinstated, so confirm start dates when enrolling.
Plan add‑ons or endorsements may have their own waiting requirements—check your selected options for specifics.
What reimbursement rates and deductibles does Odie offer?
Odie commonly offers plans with 70% and 90% reimbursement options to choose from.
Example pricing shows annual deductibles such as $500 (70% plan) and $250 (90% plan) in available configurations.
After you meet the annual deductible, Odie pays the chosen percentage of eligible veterinary expenses up to the annual limit.
Verify whether your deductible is annual (most common) and how it applies to multiple claims in the policy year.
Reimbursements reduce the available annual limit, so large claims can affect remaining coverage for the year.
Are pre-existing conditions and exclusions covered?
Pre-existing conditions are excluded; this includes conditions present in the 18 months before the policy start date or that appear during waiting periods.
Bilateral and chronic conditions that showed signs before coverage are also treated as pre‑existing and not covered.
Routine wellness care, elective procedures, many alternative therapies, and certain prescription items are excluded unless you purchase specific add‑ons.
Some hereditary or orthopedic conditions may have specific exclusions or extended waiting periods under the illness endorsement.
Review your policy’s exclusion list carefully to understand which treatments and situations are not eligible for reimbursement.
How do I use Odie’s 24/7 telemedicine and support services?
Odie provides unlimited 24/7 TeleVet access to licensed clinicians through the member portal for guidance and triage.
Log in to your account or the member portal to start a chat, phone, or video session as offered by the service.
TeleVet is intended for advice, triage, and non‑diagnostic support and can help determine whether in‑person care is needed.
It does not replace hands‑on veterinary exams when diagnostics or procedures are required, but it can speed decision‑making.
Save consult notes and any recommendations from TeleVet to support follow‑up care and claims where relevant.
Do I have to pay upfront for veterinary fees with Odie?
Odie can pay veterinarians directly when a prior arrangement exists between your clinic and Odie, enabling eligible charges to be billed to the insurer.
To arrange direct vet pay, contact Odie before treatment so they can preauthorize and coordinate with your clinic.
If direct pay is not available, you will pay the clinic at the time of service and submit a claim for reimbursement afterward.
You remain responsible for any deductible, coinsurance, or items not covered by your selected plan at the point of care.
Keep invoices and authorization details to streamline direct payments or faster claim processing.
How do I cancel my pet insurance policy with Odie?
To cancel, contact Odie customer service by phone at 877.327.0471 or via the member portal or email as shown in your account.
Provide your policy number, policyholder name, and the pet’s identifying details so the agent can verify the request.
Odie may request a written cancellation request or completion of a form; follow the representative’s instructions and submit any required documents.
Ask for written confirmation of the cancellation and the effective date to keep a clear record of the termination.
Check your policy terms or ask the agent about any notice period or billing adjustments that may apply to your account.
What are the waiting periods for accident and illness coverage?
Odie applies short waiting periods: 3 days for accidents and 14 days for illness coverage from the policy start date.
Certain orthopedic events, such as cruciate ligament issues, have a longer waiting period of 6 months.
Clinical signs that appear during a waiting period are generally excluded from coverage.
Waiting periods may be relevant if coverage is canceled and later reinstated, so confirm start dates when enrolling.
Plan add‑ons or endorsements may have their own waiting requirements—check your selected options for specifics.
What reimbursement rates and deductibles does Odie offer?
Odie commonly offers plans with 70% and 90% reimbursement options to choose from.
Example pricing shows annual deductibles such as $500 (70% plan) and $250 (90% plan) in available configurations.
After you meet the annual deductible, Odie pays the chosen percentage of eligible veterinary expenses up to the annual limit.
Verify whether your deductible is annual (most common) and how it applies to multiple claims in the policy year.
Reimbursements reduce the available annual limit, so large claims can affect remaining coverage for the year.
Are pre-existing conditions and exclusions covered?
Pre-existing conditions are excluded; this includes conditions present in the 18 months before the policy start date or that appear during waiting periods.
Bilateral and chronic conditions that showed signs before coverage are also treated as pre‑existing and not covered.
Routine wellness care, elective procedures, many alternative therapies, and certain prescription items are excluded unless you purchase specific add‑ons.
Some hereditary or orthopedic conditions may have specific exclusions or extended waiting periods under the illness endorsement.
Review your policy’s exclusion list carefully to understand which treatments and situations are not eligible for reimbursement.
How do I use Odie’s 24/7 telemedicine and support services?
Odie provides unlimited 24/7 TeleVet access to licensed clinicians through the member portal for guidance and triage.
Log in to your account or the member portal to start a chat, phone, or video session as offered by the service.
TeleVet is intended for advice, triage, and non‑diagnostic support and can help determine whether in‑person care is needed.
It does not replace hands‑on veterinary exams when diagnostics or procedures are required, but it can speed decision‑making.
Save consult notes and any recommendations from TeleVet to support follow‑up care and claims where relevant.
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