Pet Insurance

Odie Pet Insurance Review: Do They Offer Transparent, Flexible, Or Affordable Plans?


Last Updated: January 23, 2024 | 2 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Bernese Mountain Dog laying down (caption: Odie Pet Insurance Review)

Odie is a newcomer to the pet insurance industry, which means there isn’t much feedback yet from pet parents about its policies. But how does its coverage compare to other pet insurance companies, and can it fit into your budget? Find out what to expect with Odie in our review.

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Odie Pet Insurance Review

Product Name: Odie Pet Insurance

Product Description: Odie offers pet insurance for dogs and cats.


Odie requires add-ons for basic coverage that competitors include in their policies (i.e., prescription medication, rehab, and more). Being newer to the industry, we hope to see more comprehensive coverage and customer feedback about their experience.

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Overall Score



  • Annual deductible (not per-incident)
  • Pricing is among the least expensive when compared to other companies
  • No age restrictions and coverage starts as early as 7 weeks old
  • Claim processing averages 4-5 business days
  • Wellness coverage available as an add-on
  • 5% multi-pet discount
  • Your pet is covered when they travel with you in the U.S., Canada, or Puerto Rico


  • Must pay extra for office visits, prescription medication, rehab, acupuncture, and chiropractic care coverage
  • Behavioral conditions aren’t covered
  • No unlimited payout limit option
  • Bilateral conditions are excluded
  • Not available in Alaska
  • $2 transaction fee

Alternatives To Odie

Don’t like the cons or uncertainty of a new company? Our pet insurance experts have analyzed over a dozen established pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies or use the tool below to get multiple quotes instantly.

Key Features

  • Underwriters and A.M. Best ratings: PrimeOne Insurance Company (B+) and Clear Blue Insurance Company (A-)
  • Bilateral conditions excluded (a condition or disease that affects both sides of the body): luxating patellas, Cruciate Ligament Events, glaucoma, entropion, ectropion, hip dysplasia, elbow dysplasia, cataracts, cherry eye, and osteochondritis dissecans
  • Claims process:
    • Must submit claims within 180 days of vet visit
    • Submit claims via online member portal, email, mail, or fax
    • Claim processing averages 4-5 business days
    • Reimbursement is available via check
  • 24/7 Televet chat with AskVet
  • Partners with PetRx to offer new and existing customers pet health insurance options in addition to medications and preventative care treatments

Note: Wishbone Pet Insurance is a program managed by Odie Pet Insurance Marketing, Inc., and administered by Thorson Specialty Insurance Services, Inc. Underwriters include PrimeOne Insurance Company, Clear Blue Insurance Company, and Clear Blue Specialty Insurance Company.

Customer Service Options

  • Email, phone, and live chat:
    • Monday-Friday from 8am to 5pm CST
  • FAQs

Waiting Periods*Odie waiting period chart

  • Illnesses: 14 days
  • Accidents: 3 days
  • Cruciate Ligament: 6 months
  • Hip Dysplasia: 14 days
  • Wellness: 1 day

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

What Does Odie Cover?

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please check your policy.

ConditionCovered By Odie
Behavioral Therapies
Alternative/Holistic TherapiesExtra Fee
Prescription MedicationsExtra Fee
Sick Exam FeesExtra Fee
Wellness CareExtra Fee

Accident Only Plan

Odie offers an Accident Only plan with a $10,000 annual payout limit, $250 deductible, and 90% reimbursement. It only covers accidents (as its name suggests), so things like broken bones are covered.

How Much Does Odie Cost?

From the options below, Odie lets you choose your deductible, annual payout, and reimbursement amount. What you select will help determine your monthly cost.

Deductible OptionsPayout OptionsReimbursement Options
$50-$1,000 (in $50 increments)$5,000

Pricing is based on your pet’s details. Visit Odie’s website for a quote specific to your pet. Then use our pet insurance quote form to see how it compares against other providers.

Optional Benefits

Below are some add-on options you can include in your policy for additional coverage (available for extra fees).

  • Office Visits & Exam Fees
  • Take Home Prescription Medications
  • Rehab, Acupuncture & Chiropractic Care
  • Routine Care Plans


Looking for an Odie Pet Insurance promo code? Click here for the best deal we could find.

How Does The Claim & Reimbursement Process Work?

Odie uses a “deductible then copay” reimbursement method. This is calculated in the following way:

  • Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount

Is Odie The Best Pet Insurance Provider?

Odie is relatively new to the pet insurance industry. Its website is less professional than its competitors, with spelling errors and a more outdated feel. And, while the company offers an impressive level of plan customization, our experience with their sign-up process was that it was not very user-friendly.

Odie isn’t our top pick for pet insurance. Find out who is in our pet insurance reviews, where our experts rate and rank companies that have more industry experience than Odie.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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