You and your pet are best buddies, and it shows. From couch snuggles to runs through the park, your best friend is always by your side. So, when they need care from a vet, you’ll want a way to provide it. That’s where pet health insurance comes in.
According to the American Animal Hospital Association, as many as 52% of pet owners have skipped veterinary care by either declining vet recommendations or skipping the visit altogether. The reason? Cost. With a pet insurance plan, like those offered by Odie, you can have guaranteed coverage for your pet’s healthcare needs, meaning you’ll never have to deny your pet necessary medical care based on finances. Let’s dive into our Odie Pet Insurance Review so you can decide if their policy is right for you and your pet.
Pros
24/7 Telehealth Care
Prescription coverage
90% expense reimbursement
Up to $40,000 annual coverage
Cons
Limited customization options
Longer waiting periods for some conditions
No direct-pay option
More than average poor customer and expert review scores
Odie Pet Insurance Reviews: Features and Benefits
Odie’s simplistic process for requesting reimbursement, along with their affordable policy options, makes them a fantastic choice for pet parents who don’t want to spend time customizing and building expensive policies. Their website is easy to use, and policies are easily built by answering just a few simple questions about your fur-baby.
Furthermore, the options offered by Odie are all affordable, with low annual deductibles, high reimbursement rates, and up to $40,000 in coverage each year.
- No breed or upper age limits
- Simple reimbursement process
- Premiums starting at $20 per month
- Quick claims processing
- 24/7 Telehealth Care
- Prescription coverage
- 90% expense reimbursement
- Up to $40,000 annual coverage
Odie Pet Insurance Reviews: Editorial Rating
Trusted Company Reviews Rating Score for Odie: 8.0
Odie pet insurance is a contender in the pet insurance industry. It has even landed them on our Best Nationwide Pet Insurance list. Their simplistic approach to pet health insurance makes their policies highly desirable to pet parents who need an affordable option without burdensome requirements for building a complicated policy.
Starting at just $20 per month, pet parents can select a plan that covers care for injuries resulting from accidents, illnesses, and even wellness and preventive care. Even more exciting is that they impose no upper age limits, meaning that even the oldest of pets can be covered.
| Reimbursement or direct Pay? | Reimbursement |
| Maximum Annual Coverage | $40,000 |
| Reimbursement Options | 70%, 90% |
| Deductible Options | $250, $500 |
| Waiting Period | 3-days accidents, 14-days illness |
| Multi-pet discount | 5% |
| Additional Options | 24/7 telehealth, add-ons for office visit and exam fee coverage, prescription medication coverage, and alternative therapy coverage |
| Exclusions | Pre-existing conditions, boarding, breeding, pregnancy and birth, prescription food, cosmetic or elective procedures, and biohazard fees. Please review policy documents for a complete list of exclusions. |
About Odie Pet Insurance
Odie Pet Insurance was founded in 2019 and launched the following year. Its headquarters are based in Agoura Hills, California, and it since has acquired ManyPets US to offer even more coverage across the country. They are also an InsurTech 100 Company, meaning they have shown continued growth and resilience, even in a challenging economy.
Chosen from a pool of 2,100 nominations, this recognition speaks volumes about Odie’s dedication to continuing its mission of eliminating unnecessary financial burdens related to veterinary costs for pet owners.
What does Odie Pet Insurance Cover?
A standard Odie pet insurance policy covers a wide range of veterinary care needs for your pet. These include, but are not limited to, care related to:
- Laboratory Tests
- Diabetes & Insulin
- Emergency Vet Visits
- Hereditary & Congenital issues
- Cancer Treatment
- Overnight Hospital Stays
- Breed-specific Conditions
- Tooth Extractions
- IV Fluids & Medications
- Hip Dysplasia
- Poison Control Consultation
- Medical Supplies
- Foreign Object Ingestion
- Lacerations and Wounds
- Surgeries
- Toxic Poisoning
- Bites & Stings
- MRI/CT Scans
- X-rays & Ultrasounds
- Treatment for Behavioral issues
- Rehabilitative Care
- Office Visits & Exam Fees
- Dental Disease & Fractures
- Prescription Medications
- ACL Tears
- Organ or Heart Valve Transplants
- Gastrointestinal Issues
In addition, each pet parent receives access to 24/7 televet chat services, where you can ask questions and address concerns before making your appointment.
About Odie Pet Insurance Plans and Coverages
In addition to their spectacular basic coverage, Odie Pet Insurance offers two add-on options and a limited policy. Each is affordable and easily added or removed via toggle buttons during the plan purchase process.
Accident-Only Policy
If you feel that a comprehensive plan through Odie is unnecessary, but you want to prepare for accidents, you can purchase an accident-only plan for as low as $6 per month. With this plan, Odie covers veterinary testing and treatments due to an accident, such as:
- Broken bone care
- Sprain care
- Eye injury treatment
- Treatment due to traumatic dental fractures
- Care for bite wounds
- Laceration treatment
- Snake bite care
- Care due to a bee sting
- X-rays
- Ultrasounds
- Laboratory tests
- Emergency care
- Hospitalization
- CT and MRI scans
- Surgical care
Routine Care Package
If you’ve already decided on a plan and want to add on even more coverage, you have two options: the ROUTINE CARE package and the PLUS package. The ROUTINE CARE package includes coverage for:
- Rabies Vaccination
- Flea & Tick Prevention
- Heartworm Prevention
- Vaccination / Titer
- Wellness Exam
- Heartworm Test or FELV Screen
- Blood, Fecal, Parasite Exam
- Microchip
- Urinalysis or ERD
- Deworming
Plus Package
The PLUS package, which pet owners can add on instead of the ROUTINE CARE package, provides coverage for the same care options, but at a higher rate, as well as some additional procedures.
- Spay
- Neuter
- Teeth Cleaning
- Rabies Vaccination
- Flea & Tick Prevention
- Heartworm Prevention
- Vaccination / Titer
- Wellness Exam
- Heartworm Test or FELV Screen
- Blood, Fecal, Parasite Exam
- Microchip
- Urinalysis or ERD
- Deworming
How to Get Odie Pet Insurance
Shopping for an Odie pet insurance plan is simple. Just hop over to their website, where you’ll complete a free, quick quiz about your pet. Answer questions related to their age, breed, weight, and overall health, and Odie will provide you with a breakdown of the most comprehensive and affordable plan for your pet.
You can also adjust your annual limit, reimbursement rate, and deductible amounts to create a policy with the coverage and premium that’s right for you. You can also add on a routine care package or their PLUS package for additional coverage.
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| ODIE |
Reimbursement |
$10,000-$40,000 | 70%, 90% | $250, $500 |
Odie Pet Insurance Customer Reviews
Odie’s customer satisfaction ratings are mixed. On Trustpilot, it holds a score of just over 2 out of 5, and the Better Business Bureau assigns it an F rating, largely due to unresolved complaints and poor responsiveness. Many customers who transitioned from ManyPets have reported issues such as denied claims for previously covered conditions, long response times, and limited support channels. These problems have contributed to growing frustration, particularly among policyholders with complex veterinary needs.
That said, not all feedback is negative. Some customers report successful reimbursement experiences, especially when enrolling pets before any pre-existing conditions develop. For budget-conscious pet owners looking for basic accident and illness coverage, Odie’s low starting premiums and straightforward claims process still make it an appealing option. While it’s important to read the fine print and manage expectations, Odie may be a workable solution for pet parents prioritizing affordability over customization or premium-level service.
Odie Alternatives
While Odie may appeal to budget-conscious pet owners, its customer review scores suggest there may be more reliable options available. If you’re looking for better-rated providers with broader coverage, faster claims processing, or more customizable plans, consider these alternatives:
- Careplus by Chewy: Highly rated overall, with direct vet pay and strong policy features
- Spot Pet Insurance: Exceptional customization, including 100% reimbursement options
- Embrace Pet Insurance: Great for senior pets and hereditary condition coverage
- Lemonade Pet Insurance: Fast, app-based claims and affordable, flexible coverage options
Frequently Asked Questions
How does Odie Pet Insurance work?
How to get the most out of your pet insurance policy?
Source
Logo image source: getodie.com
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.
Tammy McKinney
Last Updated: January 3, 2026
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