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: April 9, 2026
Editorial Reviews
Must Reads
Are Data Removal Services Worth It?
If you search your name online, the results can be unsettling. Home addresses, phone numbers, past residences, and even relatives can show up on data broker sites you’ve never heard of. That visibility isn’t random. Data brokers collect information from public...
What Happens If I Don’t Pay A Collections Agency?
Ignoring a debt collector can lead to collection calls and letters, damage your credit score, and, in some cases, result in a lawsuit. If a creditor or collector wins a court judgment, wage garnishment or bank account levies may also be possible. However, the...
Farmers Insurance vs State Farm
Farmers and State Farm are two of the most recognizable insurance companies in the country, and both offer competitive home and auto bundles, but compared side-by-side, they win on different fronts. This comparison breaks down where each carrier leads, where it falls...
Benefits of Bundling Home and Auto Insurance
Key Takeaways Bundling home and auto insurance typically saves policyholders between 10% and 25% on combined premiums. Having a single insurer simplifies billing, policy management, and claims for both home and auto. Some insurance providers offer a single combined...
Late Car Insurance Payment? What Happens and How to Avoid Cancellation
Key Takeaways Most auto insurers offer a grace period of 7 to 30 days for a late car insurance payment before canceling the policy. A canceled policy creates a coverage lapse, which often leads to higher rates when you reinstate or shop for new coverage. Driving...
How Late Can You Be on a Car Payment Before You Lose Your Car?
Key Takeaways Most car loans include a 10 to 15-day grace period before late fees apply. Missed payments will appear on your credit report at 30 days past due, often dropping your score by 50 to 100 points. Technically, lenders reserve the right to repossess your...
Risks of Using Online Will Services Without a Lawyer
The risks of using online will services without a lawyer include unclear wording that leads to legal challenges, missing state law requirements, and documents that do not fully reflect complex family or financial situations. Risks of Using Online Will Services Without...
What to Do With Extra Money
Written by Deane Biermeier, a Certified Financial Educator who has studied and now helps people apply real-world strategies for budgeting, debt management, and personal finance. Every once in a while, a little extra money shows up. Sometimes it’s $50 left over...
What to Look for in the Most Trusted Review Sites
If you’ve ever looked at a “best of” list and wondered whether you can actually trust it, you’re not alone. Many review sites claim to rank the best companies objectively, but in reality, the process isn’t always as transparent as it should be. In some cases, the...
Debt Consolidation Loans for Bad Credit: What You Need to Know
Debt consolidation loans for bad credit can help you roll high-interest credit card debt and other balances into one single monthly payment. The key to success is to understand the process, the expected outcome, and your follow-up actions. Here's what you need to...
Social Links
