Odie Pet Insurance

Overall Rating






Customer Service


Founded in 2019, Odie Pet Insurance was created by three generations of pet lovers who have been in the insurance business for 35 years. Their goal was to provide all dog and cat owners access to essential pet care services through a centralized digital hub. Odie is headquartered in the greater Los Angeles area, and distributes pet insurance plans underwritten by Prime One Insurance Company, Inc. and Clear Blue Insurance Group. Odie’s strategy is geared toward Millennials and Gen Zs by offering greater coverage flexibility, easy to understand policies, and stable, predictable annual premiums. Their platform vertically integrates marketing and distribution, underwriting, and program management.

  • Plans typically cost 15% to 30% less than competitors
  • Coverage is available for pets 7 weeks and older
  • Wellness coverage is offered as an add-on
  • Claims process takes only five days
  • Annual, rather than per-incident, deductibles
  • Multi-pet policy holders receive a 5% discount
  • Customizable, affordable plans
  • Covered treatments are reimbursed at 70% to 90%
  • Coverage is available in the United States, Puerto Rico, and Canada
  • No breed restrictions or maximum age limit
  • Self-service portal is available 24/7
  • Excludes bilateral limb conditions
  • No BBB rating is available, since Odie is a newer company
  • A $2 transaction fee is required
  • No coverage is offered for intervertebral disc conditions
  • Policies are not available to Alaskan residents


Pros Explained

Odie features standard accident and illness coverage that is highly competitive with other, more established providers. Their plans typically cost 15% to 30% less than equivalent products and services, and they offer additional benefits, such as take-home prescription medications, rehabilitation and ongoing physical therapy, acupuncture, and chiropractic care.

Odie’s annual deductibles range from $50 to $1,000, and they usually reimburse 70% to 90% of treatments covered. Odie doesn’t impose breed restrictions, and they have no maximum age limit. Claim processing typically takes only about five days, meaning expedited reimbursements.

Odie provides easy to understand, transparent policies that allow pet parents to customize their plan according to their budget and their pet’s specific needs. Customers also can access a 24/7 self-service portal to manage claims, view account information, and add additional pets. Multi-pet policy holders receive a 5% discount.

Cons Explained

Odie does not cover some orthopedic conditions that occur bilaterally (i.e., they affect the right and left sides), so a pet with a pre-existing cranial cruciate ligament tear in their right hind limb will not be covered for their left hind limb.

Odie does not cover intervertebral disc conditions, which can cause acute spinal pain and varying levels of paralysis, whether they are caused by injury or degeneration.

The Better Business Bureau (BBB) has not yet rated Odie, since this company is relatively new. Odie does not provide coverage for Alaskan residents.

Final Thoughts

According to National Insurance Quotes, Odie is overall an outstanding pet insurance for modern-day, tech-savvy pet owners. They provide affordable, flexible coverage that allows their clients to customize a monthly plan according to their budget and their pet’s needs.

Odie’s clients can choose their desired annual deductible, annual limit, and reimbursement amount. In addition, Odie offers routine care add-ons to help pay for regular veterinary visits, which include routine checkups, blood work, urinalysis, and fecal exams, with no annual deductible.

Odie’s rates fall well below the national pet insurance average, which allows pet owners to pay for unexpected health and wellness expenses. When searching for pet insurance, ensure Odie is on your comparison list.