Odie Pet Insurance coverage Evaluate (2023)

Based in 2020, Odie is a more recent entrant into the pet insurance coverage business. The corporate’s mission is to make pet medical health insurance extra inexpensive for pet homeowners of all budgets. It gives extremely adjustable deductibles and protection limits, and its insurance policies are extra inexpensive than some rivals.

Take a superb take a look at Odies protection, prices and extra so you possibly can determine if it greatest pet insurance coverage coverage for you.

We discovered Odie to have inexpensive costs and complete protection. It gives extremely customizable plans and helpful add-ons. Odie gives a few of the lowest prices available on the market, making it an excellent choice for pet mother and father on a decent finances. Odie does not have a cell app, so you may submit complaints on-line or use the OdieBot chat function for questions.

Odie gives pet insurance policy for canine and cats. Odies canine insurance coverage prices a median of $20 per thirty days and cat insurance coverage prices a median of $10 per thirty days based mostly on quotes from our crew. You’ll be able to customise the plans and add any further providers you want.

Plans and prices

Odie gives an accident and illness plan and an accident solely plan.

The accident and illness plan covers bills associated to:

• Sudden accidents/accidents
• Hereditary/congenital situations
• Emergency veterinary care
• Surgical procedure
• Most cancers remedy
• Outpatient veterinary care
• Dental illness or fractures
• Ailments
• Diagnostic testing
• Hospitalization
• Professional care
• MRI, CT scan and X-ray
• Ongoing/power situations

An accident-only plan covers bills associated to the remedy of unintentional accidents to your pets.

Odie gives a number of further choices for insurance coverage protection with a wider vary of merchandise. The Routine Care package deal offers preventive care protection for $14 to $23 per thirty days.

Odies add-ons assist cowl different costs you may see in your vet payments.

Examination payment and non-regular workplace go to. This complement covers examination charges charged by your veterinarian along with diagnostic and remedy charges in your pets. Companies below this plan embrace non-routine vet visits, non-routine exams, after-hours visits, referrals and check-ups, and emergency vet visits.

Take pharmaceuticals at dwelling. Odies Prescription Complement consists of the medicines your vet prescribes to deal with surprising accidents and diseases in your pets. Odie covers as much as 950 prescriptions, which you will discover on its web site in an alphabetical listing. Medicines that the vet makes use of to deal with your canine on the clinic are coated below the accident and sickness plan and don’t require this complement.

Rehabilitation, acupuncture and chiropractic care. This complement covers the price of rehabilitation and bodily remedy in your pets after an surprising harm or sickness. This complement consists of remedies similar to acupuncture, chiropractic care, laser remedy, cryotherapy, and extra.

Odie Samples costs

Listed below are some pattern quotes* for a 3-year-old pet in Boston.

*Costs signify month-to-month premiums. Quotes are created for a $10,000 annual restrict, a $500 deductible, and an 80% reimbursement fee. Preventive care prices generated for the Routine Care Fundamental package deal.

Reductions

Your deductible is the quantity you may pay out of pocket earlier than Odie begins masking the fee. Odie gives an intensive listing of deductible choices.

When constructing your Odie pet insurance coverage plan, you possibly can select $50, $150, $200, $250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $80, $800, $600, $650, $700, $750, $80 , $50, $50, $50, $200, $250, $300, $350, $400, $450, $500, $650, $700, $650, $700, $750, $80, $800, and $1,000.

Limitations on preventive care

You should have completely different preventive upkeep service limits relying on which routine care package deal you select. The Routine Care Fundamental plan covers as much as $305 in annual well being reimbursement, and the Routine Care Plus plan covers as much as $535.

Protection exclusions

Like all pet insurance coverage suppliers, Odie has some limitations. Odie doesn’t embrace the next in any of its packages or add-ons:

• Pre-existing situations
• Elective or beauty procedures
• Parasites
• Particular meals
• Nutritional vitamins and dietary supplements
• Holistic remedy
• Experimental remedy

Plan changes

Odies plans are customizable so you possibly can create a plan that works for you.

You will begin by selecting from Odies Nice, Higher and Greatest annual restrict choices.

• Wonderful $5,000 annual restrict
• Higher $10,000 annual restrict
• The perfect $40,000 annual restrict

You will additional customise your plan by selecting from completely different deductibles and reimbursement charges.

Annual Deduction Choices$100, $150, $200, $250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $800, $850, $900, $950, $1.00

Reimbursement charges70%, 80%, 90%

You’ll be able to combine and match these charges to create completely different protection and value choices. Understand that your pet’s age, breed, breed, and zip code may also have an effect on month-to-month prices.

Reductions

Odie applies a 5% multi-pet low cost while you register a number of pets. Odie at present doesn’t supply every other everlasting reductions, but it surely often runs promotions and low cost codes on-line. Clients can observe the corporate on social media to maintain monitor of recent rewards alternatives.

Odie Pet Insurance coverage is now out there in all states besides Alaska. Pet insurance coverage doesn’t work via networks, so you possibly can take your pet to any licensed veterinarian.

Since Odie is comparatively new to the pet insurance coverage business, there aren’t many buyer opinions on-line.

The opinions we learn stated Odie has pleasant employees and offers glorious customer support. Nonetheless, a number of prospects expressed dismay on the declare being denied.

I’m very pleased with the Odie for my sniper rifle. I’ve been coping with Jasmine, whom I like. She could be very educated, useful and candy. This was the most effective factor I might have performed for my Sniper. Thanks Odie! Jeanne Okay., Trustpilot

It’s my coverage that doctor purposes ought to present care similar to routine care. Nonetheless, once I tried to file for reimbursement, it was denied. So I do not perceive why it says that within the coverage if they are not going to honor it. Jazre O., Trustpilot

Odie gives inexpensive, customizable plans with out compromising on protection. Though Odie is new, its catalog of add-ons and coated providers is akin to different main suppliers. Nonetheless, there are restricted buyer opinions on-line and its repute shouldn’t be as sturdy as different main pet insurers. We suggest requesting quotes from a number of suppliers to make sure you are getting the most effective protection in your pet that matches your finances.

Odie is without doubt one of the latest pet insurance coverage suppliers within the business, and it has lots of competitors. Odies plans begin below $10, so it is a good choice for inexpensive protection. It has comparable wait instances and multi-pet reductions, however lacks a cell app for simple entry.

Odie was based in Agoura Hills, California in early 2020 and now has further places of work in New York. Miles Thorson based Odie Pet Insurance coverage after struggling to seek out inexpensive protection for his canine. The Thorson household runs Thorson Insurance coverage Companies, a specialty insurance coverage supplier with over 35 years of expertise.

The Odie crew leveraged the Thorson household’s a long time of expertise to create a easy, community-focused pet insurance coverage product. The founders of Odies created the corporate with different pet homeowners in thoughts, with the purpose of democratizing pet well being care for everybody.

Our evaluation of pet insurance coverage firms is predicated on in-depth business analysis that features studying lots of of buyer opinions, secret purchasing quotes and buying processes, talking on the cellphone to evaluate customer support experiences, and surveying 1,000 canine and cats. homeowners throughout the nation to find out crucial components of pet insurance coverage.

We fee every supplier on a 100-point scale based mostly on these components. We then divided this closing rating by 20 to calculate an total star ranking out of 5.0 stars.

Listed below are extra particulars about every issue and its weighting:

• Month-to-month costs (25 items). The perfect pet insurance coverage firms mix complete protection and planning choices at inexpensive charges.
• Plans (15 factors). The perfect pet insurance coverage firms supply accident and illness plans, accident-only plans, and wellness or preventive care dietary supplements to permit prospects to decide on the most effective plan for his or her pet.
• Lined remedy (15 factors). We scored firms based mostly on the remedies and procedures they coated. Firms with a breadth of included remedies and distinctive coverages scored increased than suppliers with extra normal or blanket insurance policies.
• Customization choices (10 factors): Suppliers with extra choices for annual limits, deductibles, and reimbursement charges earned the best scores.
• Buyer care (10 factors). We scored firms on their web site accessibility and total usability, customer support accessibility, cell apps (if any), money-back ensures and vet telehealth choices, awarding factors to insurers with extra buyer expertise choices.
• The repute of the business (10 factors). We reviewed up-to-date rankings and accreditation info from the Higher Enterprise Bureau (BBB) ​​and evaluated firms on their years of expertise within the business and authorities attain.
• Ready durations (10 factors). Firms with shorter accident, sickness, and orthopedic ready durations between enrollment and protection initiation scored increased than firms with longer ready durations.
• Eligible age (5 factors): Some firms don’t supply insurance policies for pets over a sure age. We have now deducted factors from suppliers which have age restrictions for coated pets.

We use our rating system to check and distinction every firm’s key elements to assist us decide the most effective pet insurance coverage firms within the business. Learn our to be taught extra Full pet insurance coverage methodology for provider evaluation and analysis.