Is Odie Pet Insurance Worth It? Full Review 2025
Our expert's opinion on Odie
Odie Pet Insurance is a US-based provider underwritten by Trisura Insurance Company, aiming to offer customizable accident and illness coverage for cats and dogs. Policyholders can tailor annual limits, deductible, and co-insurance (commonly 70% or 80%), with optional add-ons for exam fees, prescription medications, and rehabilitation. Notably, Odie’s flexibility in policy design distinguishes it from more rigid competitors, with pricing often positioned in the mid to low range depending on selected options. However, strict exclusions—especially for pre-existing conditions, preventive wellness, and specific dental cases—require careful review.
Odie can be most appealing to owners of younger, healthy pets seeking a core accident/illness plan at a competitive premium and those interested in customizing coverage to their specific needs or budget. It is less suited for owners needing comprehensive wellness or dental protection, or for those with pets that may have pre-existing conditions or breed-specific concerns.
Backing comes from Trisura, a well-rated North American specialty insurer (over $1 billion in assets; pet book details not public). Odie’s recent Trustpilot score is low—2.1/5 from 9 reviews—highlighting criticism of customer service, claims handling, and recent premium increases. Rollover from ManyPets customers in 2024 resulted in negative feedback on claim denials and administrative delays. Publicly reported average claim reimbursement times are not stated, but user sentiment suggests delays and unresponsiveness compared to leading US digital insurers.
- ✅Highly customizable: co-insurance, deductible, annual limits
- ✅Comprehensive core illness and accident coverage for dogs and cats
- ✅Optional add-ons for exam, prescriptions, rehab, behavioral consults
- ✅Short waiting periods: 3 days (accident), 14 days (illness)
- ✅Annual policy options: downgrade at any time, upgrade at renewal
- ✅Coverage extends to US, Canada, and US territories
- ✅No impact on premium from individual claims history
- ❌Very poor Trustpilot rating (2.1/5, 9 reviews), customer complaints
- ❌Strict pre-existing and wellness exclusions limit scope
- ❌Reimbursement and claims processing delays reported
- ❌Many conditions require stringent documentation (especially dental)
- ❌Premium reportedly increased sharply after rollovers
- ✅Highly customizable: co-insurance, deductible, annual limits
- ✅Comprehensive core illness and accident coverage for dogs and cats
- ✅Optional add-ons for exam, prescriptions, rehab, behavioral consults
- ✅Short waiting periods: 3 days (accident), 14 days (illness)
- ✅Annual policy options: downgrade at any time, upgrade at renewal
- ✅Coverage extends to US, Canada, and US territories
- ✅No impact on premium from individual claims history
Our expert's opinion on Odie
Score- ✅Highly customizable: co-insurance, deductible, annual limits
- ✅Comprehensive core illness and accident coverage for dogs and cats
- ✅Optional add-ons for exam, prescriptions, rehab, behavioral consults
- ✅Short waiting periods: 3 days (accident), 14 days (illness)
- ✅Annual policy options: downgrade at any time, upgrade at renewal
- ✅Coverage extends to US, Canada, and US territories
- ✅No impact on premium from individual claims history
- ❌Very poor Trustpilot rating (2.1/5, 9 reviews), customer complaints
- ❌Strict pre-existing and wellness exclusions limit scope
- ❌Reimbursement and claims processing delays reported
- ❌Many conditions require stringent documentation (especially dental)
- ❌Premium reportedly increased sharply after rollovers
- ✅Highly customizable: co-insurance, deductible, annual limits
- ✅Comprehensive core illness and accident coverage for dogs and cats
- ✅Optional add-ons for exam, prescriptions, rehab, behavioral consults
- ✅Short waiting periods: 3 days (accident), 14 days (illness)
- ✅Annual policy options: downgrade at any time, upgrade at renewal
- ✅Coverage extends to US, Canada, and US territories
- ✅No impact on premium from individual claims history
- Odie Guarantees
- Odie exclusions
- Odie Rates
- Odie Assistance
- Customer feedback on Odie
- How to contact Odie?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and conditions as well as the premiums of leading insurance policies each year, providing you with reliable and unbiased analysis. Thanks to this commitment, hundreds of thousands of users in the US trust us every month to guide them in making their most important financial decisions.
Odie Guarantees
Odie offers a customizable pet insurance model allowing owners to select annual limit, deductible, and co-insurance (typically 70% or 80%) for core accident and illness coverage, with the ability to add supplemental modules such as office visits/exams, take-home prescription medications, and rehab/holistic care for increased protection.
The strength of Odie lies in its flexible structure and broad base coverage for both dogs and cats, including rapid 3-day accident and 14-day illness waiting periods, with short eligibility gaps compared to market standards, but lacks built-in wellness/preventive care (vaccines, spay/neuter, etc.) and includes strict dental limitations.
Comprehensive dental, behavioral, and rehab coverage is only available if the supplemental benefit is purchased, and multiple exclusions apply for pre-existing conditions, elective procedures, preventive care, alternative therapies, and anything not deemed medically necessary.
While Odie’s modular approach ensures some can tailor coverage to their needs, critical items—ambulance, wellness, cremation, boarding, alternative therapies—are not systematically covered or often excluded, so consumers must carefully select their options and review policy details.
Potential gaps also exist for policy changes and waiting periods in the event of upgrades or adding benefits mid-term, and it is vital to note all costs above the annual limit or outside insured modules remain the pet parent’s responsibility.
| Name of guarantee | Odie Customizable Plan (base + add-ons as selected) |
|---|---|
| Positioning of plan | Fully modular accident & illness with optional paid supplements |
| Type of coverage: accident, accident & illness, etc. | Accident & illness (core), wellness/preventive not included |
| Pets covered | Dogs and cats (no commercial animals) |
| Reimbursement rate (%) | 70% or 80% (chosen by policyholder) |
| Annual reimbursement limit | Selectable by policyholder (value specified at subscription) |
| Annual/per-incident deductible | Selectable, annual only (restarts at policy anniversary) |
| Age min/max for enrollment (dogs) | NC (not stated, subject to underwriting and declaration page) |
| Age min/max for enrollment (cats) | NC (not stated, subject to underwriting and declaration page) |
| Health questionnaire required? | NC (likely required for some conditions or waivers) |
| Waiting period for illness | 14 days |
| Waiting period for accident | 3 days |
| Lifelong guaranteed renewal after enrollment? | Annual contract, renewable but not guaranteed for life |
| Vet consultations (routine, urgent, specialist) | ✅ if office visit/exam add-on purchased; otherwise ❌ |
| Medications | ✅ if Rx medication add-on purchased (on insurer's formulary); ❌ otherwise |
| Hospitalization | ✅ (within covered accident/illness limits) |
| Ambulance fees | ❌ (explicit exclusion) |
| Surgery, anesthesia | ✅ (medically necessary, covered accident/illness) |
| Scans, MRI, ultrasound | ✅ (if medically necessary and within annual limit) |
| Lab tests | ✅ (if medically necessary and within annual limit) |
| Radiotherapy | ✅ (as part of eligible covered treatment) |
| Dental work | Partial (strict conditions: recent anesthesia cleaning, no pre-existing) |
| Descaling | ❌ (not covered as preventive/prophylaxis) |
| Preventive allowance | ❌ (preventive/wellness not covered) |
| Holistic/alternative medicine | ✅ if rehab/holistic add-on selected; otherwise ❌ |
| Therapeutic food | ❌ (excluded unless for eligible covered condition and per policy) |
| Covered travel countries | USA, Canada, US territories/bases only |
| Death/cremation | ❌ (not covered) |
| Euthanasia | ❌ (excluded as part of standard exclusions) |
| Theft/loss/search costs | ❌ (not covered) |
| Boarding fees | ❌ (not covered) |
Good to know
Dental illness claims require proof of cleaning under anesthesia (for pets over age 3) within the last 13 months; dental cleanings, prevention, and non-core supplementary therapies are not covered unless purchased as optional add-ons.
Upgrading your plan (better co-insurance, lower deductible, or adding new benefits) leads to a new policy with a fresh waiting period and new pre-existing exclusions, so prefer to select all desired add-ons at enrollment.
Claims must be filed within 180 days, and reimbursement is always subject to annual limits and exclusions, with payments made to you (not directly to the vet, unless prior arrangement).
For the best value, compare Odie’s flexible options and exclusions with other pet insurers to ensure the cheapest rate and most complete protection for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Odie exclusions
Odie’s exclusions are notably broad and rigorously applied, especially concerning pre-existing conditions within the past 18 months—this includes chronic, bilateral issues, and intervertebral disc disease, without flexibility even on technicalities that some competitors may grant. Preventive, wellness, elective, and most dental care are excluded unless meeting strict conditions; dental, for instance, requires recent professional cleaning, and even then many situations remain non-reimbursable. Breeding, pregnancy, injuries from intentional acts (including organized activities/fighting), and repetitive injuries from the same activity are categorically excluded. Coverage is strictly limited to the US, Canada, and US jurisdictions, with no reimbursement for incidents outside these areas. Importantly, supplemental benefits like prescription drugs or exam fees are only covered if specifically purchased, and alternative/experimental therapies are always excluded.
| Exclusions | Details |
|---|---|
| Medical Exclusions | • Pre-existing conditions (present during last 18 months or waiting period), including chronic, bilateral, or intervertebral disc disease • Preventive care/wellness exams, routine vaccines, dental or parasite care (except if explicitly stated) • Elective/cosmetic procedures, routine spay/neuter unless medically necessary • Dental care unless meeting strict criteria; prior dental disease, prophylaxis, and most non-trauma dental work excluded • Alternative/holistic/experimental treatments • Anal gland expression • Injuries from intentional acts, organized fighting, or repetitive injury from recurring activity (twice in 12 months) • Claims if healthy (no symptoms) • Most behavioral treatment (except consults and Rx if benefit purchased) |
| Medication & Supplemental Exclusions | • Prescription drugs, office/exam fees, rehab/acupuncture/chiropractic—excluded unless corresponding supplemental benefit purchased • Non-formulary or over-the-counter medications not listed by insurer • Admin fees, claim processing fees |
| Geographical Exclusions | • Coverage only in the USA, Canada, or US government jurisdictions (territories, bases) • No reimbursement for treatment outside these areas |
| Identification/Policy Exclusions | • Policy not transferable to other pets • Coverage ceases if pet ownership changes and insurer not notified within 30 days • Breeding, pregnancy, boarding, transport, or ambulance services excluded • No coverage for supplies, foods, treats, toys, grooming |
| Event-Based Exclusions | • Activities related to racing or sports • Cremation, burial, nuclear/chemical/biological/war-related events • Complications due to a listed exclusion |
| Owner Responsibility Exclusions | • Failure to follow required preventive measures, recommended vaccinations, or parasite control |
• Preventive care/wellness exams, routine vaccines, dental or parasite care (except if explicitly stated)
• Elective/cosmetic procedures, routine spay/neuter unless medically necessary
• Dental care unless meeting strict criteria; prior dental disease, prophylaxis, and most non-trauma dental work excluded
• Alternative/holistic/experimental treatments
• Anal gland expression
• Injuries from intentional acts, organized fighting, or repetitive injury from recurring activity (twice in 12 months)
• Claims if healthy (no symptoms)
• Most behavioral treatment (except consults and Rx if benefit purchased)
• Non-formulary or over-the-counter medications not listed by insurer
• Admin fees, claim processing fees
• No reimbursement for treatment outside these areas
• Coverage ceases if pet ownership changes and insurer not notified within 30 days
• Breeding, pregnancy, boarding, transport, or ambulance services excluded
• No coverage for supplies, foods, treats, toys, grooming
• Cremation, burial, nuclear/chemical/biological/war-related events
• Complications due to a listed exclusion
Odie Rates
Odie occupies a median price position in the US pet insurance market, generally offering flexible coverage levels, optional add-ons, and moderate base premiums that reflect the breadth of choices but also the many exclusions present in their contract. The digital-first, pure player model contributes to some administrative cost savings, but this does not place Odie among the least expensive providers, especially once key supplemental benefits are added, since core coverage (accident/illness) does not include wellness, preventive, or comprehensive dental by default.
Limits, deductibles, and reimbursement rates are customizable, allowing policyholders to tailor cost versus risk, but robust coverage—such as high annual limits and broader add-ons—increases monthly price rapidly and approaches or exceeds sector averages for comparable protection.
Clinically, the strictness of exclusions, particularly around dental, preventive, and pre-existing conditions, means that Odie is not positioned as a premium, comprehensive solution, nor as the most basic or restricted either.
Service reputation and premium stability may be concerns based on recent market feedback, so overall Odie sits in a genuinely middle-of-the-road segment on price, mainly appealing to digital-savvy owners seeking flexible but limited coverage.
For those needing high reimbursement, low out-of-pocket costs, and broad benefits included by default, several competitors can offer fuller value for a similar or slightly higher monthly budget.
| Accident & Illness (baseline, 70% / $500 ded.) | Accident & Illness + Exam/Rx (80% / $250 ded.) | Accident Only (70% / $500 ded.) | |
|---|---|---|---|
| Cat young (2–4 yrs) | $28/mo | $38/mo | $14/mo |
| Cat senior (7–8 yrs) | $42/mo | $54/mo | $21/mo |
| Small breed dog | $35/mo | $48/mo | $18/mo |
| Small dog (2–4 yrs) | $32/mo | $44/mo | $16/mo |
| Large breed dog (2–4 yrs) | $44/mo | $62/mo | $20/mo |
| Dog senior (7–8 yrs) | $68/mo | $88/mo | $31/mo |
To ensure you get the best value for your pet’s needs, always compare several providers and request tailored quotes to find the lowest cost for equivalent coverage and service.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Odie promo codes
| Odie Promo Codes | Details |
|---|---|
| HelloSafe | -5% on your quote |
How much will I be reimbursed with Odie?
When you have pet insurance with Odie, your eligible veterinary bills are reimbursed according to your chosen plan—after you pay any annual deductible, Odie reimburses a percentage (like 80%) of the remaining costs, up to your annual coverage limit. Here are some clear examples to show you how much you could be reimbursed with Odie’s highest coverage option (for illustration, we’ve used an 80% co-insurance, $500 annual deductible, and a $10,000 annual limit—remember, the exact figures are customizable in your quote):
Practical Example: Emergency surgery for intestinal obstruction (dog)
Total veterinary costs: $3,500 (emergency exam, x-rays, surgery, post-op care)
Remaining annual deductible: $500 (first claim of the policy year)
Eligible expenses after deductible: $3,500 – $500 = $3,000
80% reimbursement by Odie: $3,000 × 80% = $2,400
👉 You receive $2,400 in reimbursement.
Your out-of-pocket expense ("rest à charge"):
$500 (deductible) + $600 (your 20% co-pay on $3,000) = $1,100
ℹ️ The annual deductible applies once per year, so future claims are not reduced by the deductible until your next renewal. Claim paid out of your $10,000 annual maximum, leaving $7,600 available for the rest of the year.
Practical Example: Ongoing care for diabetes (cat)
Total annual veterinary costs: $1,000 (diagnostics, rechecks, insulin, prescription diet)
Remaining annual deductible: $0 (deductible already used up from prior claim)
80% of $1,000 = $800 reimbursed by Odie
👉 You receive $800 in reimbursement.
Your out-of-pocket expense:
$0 (no deductible; already met) + $200 (your 20% co-pay) = $200
ℹ️ Once your deductible is paid through earlier claims, every new covered bill is reimbursed at 80% up to your plan’s annual limit. Even for chronic conditions, coverage continues each year as long as you renew.
Practical Example: Dental extraction after trauma (dog)—With dental coverage add-on
Total veterinary costs: $900 (exam, x-rays, extraction, anesthesia)
Remaining annual deductible: $0 (already satisfied this year)
80% reimbursement: $900 × 80% = $720
👉 You receive $720 in reimbursement.
Your out-of-pocket expense:
$0 (deductible met already) + $180 (your 20% co-pay) = $180
ℹ️ Dental treatments for traumatic injuries are covered under Odie’s dental benefit, provided required dental health maintenance is up to date. Without insurance, you would have paid the full $900—here, you pay only $180.
With Odie’s comprehensive plan, major accidents and costly diagnoses won’t catch you off guard. The higher your selected reimbursement percentage and annual limit, the less you’ll ever have to pay out-of-pocket when your pet needs help most!
Odie Assistance
Odie Pet Insurance does not offer an advance of payment system such as direct-to-vet billing or Payvet, requiring owners to pay bills upfront and wait for reimbursement.
There is no evidence of flexible payment facilities for premiums, which may be limiting compared to some US competitors.
No dedicated mobile app offers claim submission or account management, and information on user experience support is lacking.
Reimbursement claims must be submitted manually, and only owners who proactively arrange on a case-by-case basis may have the option of direct payment to vets, which is rare.
Odie does not provide a 24/7 veterinary helpline, teleconsultation, or an emergency network, and coverage abroad is limited to the US, Canada, and US territories, with no global protection.
| Assistance Odie | Available? | Details |
|---|---|---|
| Advance of fees/payment | ❌ | No direct payment system such as Payvet or CareCredit. Owners must pay bills up front and file for reimbursement. Direct vet payment only if arranged and rare. |
| Payment flexibility (installments) | ❌ | No public information about installment or multi-payment options for premiums. |
| Mobile application | ❌ | No dedicated mobile app for Odie. Users need to manage claims and coverage via web or customer service only. |
| Dematerialized reimbursement management | ❌ | Claims are submitted manually; no real-time claim tracking or digital-only management through an app. Customer complaints highlight delays and lack of transparency. |
| Emergency veterinary/teleconsultation | ❌ | No 24/7 emergency helpline or telemedicine platform included. Owners must seek emergency care independently. |
| Veterinary network/partner clinics | ❌ | No partner network or preferred clinics promoted by Odie. Any licensed US or Canadian vet is accepted, but no special deals or networks. |
| Coverage outside US/Canada/territories | ❌ | Coverage strictly limited to USA, Canada, and US-controlled territories/bases. No international help or global emergency support beyond these regions. |
Customer feedback on Odie
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 2.1 / 5 (“Poor”) – 9 reviews |
We have analyzed the reviews from the site listed above. In terms of positive elements, Odie policyholders most frequently mention:
- A good price and friendly staff: one customer notes a positive experience with the offered price and cordiality from team members.
In terms of negative elements:
- A very high frequency of claims rejections: many customers report their claims were denied, often citing pre-existing conditions they believe to be incorrect.
- Extremely slow or absent customer service: several reviews highlight unreturned calls, no email replies, and ineffective communication channels, especially when needing support for claims or policy clarification.
- Steep and unexpected premium increases: customers transferred from other insurers, notably ManyPets, complain of premiums doubling with very little notice.
- Administrative errors: instances of account mistakes, incorrect policyholder information, and account issues preventing reimbursements are noted.
- Lack of policy transparency: customers describe difficulty in finding clear, accurate coverage information and express a sense of dishonesty or misleading marketing.
- Fast payment withdrawals but poor reimbursement: the insurer is described as quick to take premiums, but slow or unwilling to reimburse valid veterinary expenses.
- Minimal company engagement: recent negative reviews do not receive responses or attempts at resolution from the company.
How to 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. |
| To request and track a reimbursement |
|
| To obtain a certificate of insurance |
|
| To contact assistance |
|
| To cancel my contract |
|
- Submit your claim within 180 days of treatment by filling out the claim form and attaching all required veterinary bills/information.
- Send supporting documents and forms by email to [email protected] or contact the service at 877-327-0471.
- Prepare access to your pet’s medical record if requested.
- Reimbursements are paid by the method chosen at subscription (often bank transfer).
- The processing time is not specified, but several weeks can be expected according to customer reviews.
- Request it by email at [email protected] or call 877-327-0471.
- Mention your contract information and the subject of your request to receive the certificate quickly by email or mail.
- Call 877-327-0471 for a quick response.
- You can also send your questions or a request for assistance by email to [email protected].
- Mailing address for correspondence: Odie Pet Insurance, 29899 Agoura Rd, Ste 110, Agoura Hills, CA 91301, USA.
- Cancellation is possible at any time: send a written request (email or letter) specifying your policy number to [email protected] or to Odie Pet Insurance, 29899 Agoura Rd, Ste 110, Agoura Hills, CA 91301, USA.
- Attach proof of identity and any information to help identify you if needed.
- If no claim has been reported within 30 days of subscription, full refund and retroactive cancellation.
- After this period, pro-rated refund for the remaining period.
- No notice required, cancellation is effective upon receipt of the written request.
FAQ
Do I have to pay the vet bills upfront with Odie?
Yes, with Odie Pet Insurance, you must pay your veterinarian directly at the time of service. Odie does not offer a direct pay or "payvet" system, so you are responsible for covering costs up front, then submitting a claim for reimbursement according to your policy terms.
How can I cancel my pet insurance contract with Odie?
To cancel your Odie pet insurance, simply send a written notice of cancellation at any time—email or postal mail are both accepted. If you cancel within the first 30 days and no claims were made, your premium is fully refunded. After that, cancellation is effective from the request date, with a prorated refund, and no special documents are needed beyond your request.
What types of treatments and conditions does Odie cover?
Odie covers the actual cost of veterinary treatment for accidents, injuries, and most illnesses, subject to your chosen deductible, co-insurance, and annual limit. Some optional add-ons can extend coverage to office visits, prescription drugs, and rehabilitation. Preventive care, routine wellness, and pre-existing conditions are not covered.
Are there any waiting periods before coverage starts with Odie?
Yes, Odie requires waiting periods before coverage applies: 3 days for injuries, 14 days for illnesses, and 6 months for cruciate ligament events. Waiting periods may be waived if you have continuous coverage (sometimes from another insurer), or, in some cases, with a vet’s certification at enrollment.
What are the main exclusions to be aware of with Odie?
Odie does not cover pre-existing conditions, preventive or routine wellness care (like vaccines and cleanings), elective or cosmetic procedures, breeding or pregnancy-related costs, and many dental issues unless strict requirements are met. Always review your policy for a detailed list of exclusions.
Do I have to pay the vet bills upfront with Odie?
Yes, with Odie Pet Insurance, you must pay your veterinarian directly at the time of service. Odie does not offer a direct pay or "payvet" system, so you are responsible for covering costs up front, then submitting a claim for reimbursement according to your policy terms.
How can I cancel my pet insurance contract with Odie?
To cancel your Odie pet insurance, simply send a written notice of cancellation at any time—email or postal mail are both accepted. If you cancel within the first 30 days and no claims were made, your premium is fully refunded. After that, cancellation is effective from the request date, with a prorated refund, and no special documents are needed beyond your request.
What types of treatments and conditions does Odie cover?
Odie covers the actual cost of veterinary treatment for accidents, injuries, and most illnesses, subject to your chosen deductible, co-insurance, and annual limit. Some optional add-ons can extend coverage to office visits, prescription drugs, and rehabilitation. Preventive care, routine wellness, and pre-existing conditions are not covered.
Are there any waiting periods before coverage starts with Odie?
Yes, Odie requires waiting periods before coverage applies: 3 days for injuries, 14 days for illnesses, and 6 months for cruciate ligament events. Waiting periods may be waived if you have continuous coverage (sometimes from another insurer), or, in some cases, with a vet’s certification at enrollment.
What are the main exclusions to be aware of with Odie?
Odie does not cover pre-existing conditions, preventive or routine wellness care (like vaccines and cleanings), elective or cosmetic procedures, breeding or pregnancy-related costs, and many dental issues unless strict requirements are met. Always review your policy for a detailed list of exclusions.
