Odie Pet Insurance

Odie is the newest pet insurance provider to enter the U.S. market. Launched in 2020, Odie offers customizable health insurance plans for dogs and cats. In fact, their coverage option is unique in that you can adjust your quote by selecting optional benefits like office visits or take home medications.

Here are some features and benefits offered by Odie:

Affordable and Customizable Plans
Claims processing in as little as 5 business days.
No Upper Age Limits and No Breed Restrictions
Choose Your Own Vet
24/7 Self-Service Portal

Coverage Options

Odie offers standard accident and illness coverage that is extremely competitive with other, more established providers.

Coverage Options:

Deductible: $250 or $500
Reimbursement: 90% on all plans
Annual Limit: $10k or $40K

Optional Benefits:

Office Visits and Exam Fees
Take Home Prescription Medication
Rehab, Acupuncture and Chiropractic Care

Optional Routine Care Coverage

Odie offers two plans for routine care coverage: a basic plan and a plus plan.

Routine Care Basic

Spay/Neuter and/or Teeth Cleaning: $0
Rabies Vaccine: $15
Flea & Tick Prevention: $50
Heartworm Prevention: $30
Vaccination/Titer: $30
Wellness Exam: $50
Heartworm Test or FELV Screen: $25
Blood, Fecal, Parasite Exam: $50
Microchip: $20
Urinalysis or ERD: $15
Deworming: $20
Maximum Reimbursement Amount: $305

Routine Care Plus

Spay/Neuter and/or Teeth Cleaning: $150
Rabies Vaccine: $15
Flea & Tick Prevention: $65
Heartworm Prevention: $30
Vaccination/Titer: $40
Wellness Exam: $50
Heartworm Test or FELV Screen: $30
Blood, Fecal, Parasite Exam: $70
Microchip: $40
Urinalysis or ERD: $25
Deworming: $20
Maximum Reimbursement Amount: $535

Waiting Periods

In most cases, the waiting periods are as follows below. Please note that waiting periods vary by state and are as low as 0 in some states.

Mostly 3 days for accidents
14 days for illnesses
6 months for cruciate

Cost

We ran a quote for a three year-old, mixed breed dog and it came in well below the national average at $29/month (Odie also charges a $2/month installment fee). Here was the options we chose for an apples-to-apples comparison with other pet insurance providers.