An Professional’s Breakdown – Dogster
Our Last Verdict
We give Odie Pet Insurance coverage a score of 4.8 out of 5 stars.
Having pet insurance coverage is a accountable transfer whenever you’re a father or mother to a four-legged greatest pal. Accidents, diseases, and wellness are all prices that may shortly skyrocket past anybody’s funds, and insurance coverage is there to assist. Odie is aiming to vary the pet insurance coverage trade by providing an easy-to-understand, customizable, reasonably priced possibility for all of us pet mother and father on the market (being, on common, 15-30% cheaper than comparable corporations). Belief me, having insurance coverage and by no means utilizing it’s higher than discovering your self within the emergency room with out it.
Odie Pet Insurance coverage Overview
Professionals
- Finances-friendly insurance coverage
- Gives protection in the entire United States, in addition to Canada
- No breed or age restrictions
- 90% reimbursement on all coated remedies
- Customizable
- 24/7 tele-vet care is included
- Wellness Plan is out there
- Submitting a declare is fast and straightforward
- Very quick ready intervals
- No charge elevated primarily based on declare historical past
Cons
- The breed record is out of order
- There isn’t a limitless payout possibility
- Bilateral and behavioral situations are thought of pre-existing and excluded
About Odie Pet Insurance coverage
Odie is a comparatively new kind of insurance coverage firm that has hit the pet protection market, and Odie is shortly making its identify recognized amongst the opposite big-name pet insurance coverage suppliers. Having been based by a pet proprietor who was annoyed with the method of discovering insurance coverage for his or her canines Luke and Summer season, Odie prides themselves on making pet insurance coverage straightforward to grasp, reasonably priced, and no fuss! Fortunate for all of us, Luke and Summer season’s mother and father are three-generation insurance coverage specialists, so Odie was craftfully designed by somebody with quite a lot of information in that trade.
Odie’s manifesto greatest discloses the core rules of this insurance coverage firm, that are Affordability, Prevention, and Dedication. Odie believes that insurance coverage ought to be an reasonably priced and accessible possibility for all, particularly with the staggering statistic of solely 2% of canine and cat homeowners having insurance coverage. When an emergency occurs, vet payments could be devastating – and infrequently have a pet’s life held within the stability over value. Odie believes that training and preventative care assist make pets more healthy, which is why the corporate developed a Wellness plan to additional facilitate joyful pets and cut back claims. Odie’s dedication to their prospects and beloved pets goals to shine via with compassion and glorious customer support.
Alongside all of this, Odie supplies protection in all states and might be one of the vital complete protection areas of most of the large pet insurance coverage gamers. From Odie themselves, “we offer therapy protection whereas the pet is within the US, Canada, or any area below US authorities management, together with territories or navy installations/bases in overseas international locations. If a pet requires medical therapy or veterinary providers in these specified areas, the coverage will cowl the related prices per the phrases and situations of the insurance coverage contract.” This additionally offers you peace of thoughts when touring or relocating along with your pet.
All of this being mentioned some have criticized Odie for not having a limiteless payout possibility like another pet insurances provide. You’ll be able to solely select between a $10,000 or $40,000 annual restrict. Nonetheless, this does assist Odie stay reasonably priced and fact be informed, most common pet homeowners is not going to cross the edge of a $40,000 yearly restrict of their pet’s lifetime! As such, pet homeowners are inclined to overspend on insurance coverage.
On the notice of the common pet proprietor, Odie’s insurance policies are greatest meant in your common pet. Purebred canine and cat breeders, canine sports activities fans, and dealing animals aren’t actually the marketplace for Odie – so the insurance policies don’t are inclined to cowl medical prices related to these practices. If something, Odie particularly states they won’t cowl prices associated to breeding, coaching canines for racing or sledding, and the like.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Price Comparability
| Firm | Pattern Month-to-month Price For Canines | Pattern Month-to-month Price For Cats | Be taught Extra |
| Odie | $9 for the Accident Plan, $45 for the Sickness and Damage Plan | $6 for the Accident Plan, $25 for the Sickness and Damage Plan | Get Quote |
| Lemonade | $19.44 | $11.00 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Coverage
Odie has three base insurance policies to select from:
The Sickness & Damage Plan
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- This absolutely customizable plan permits you to select what you need or have to be coated. This helps cut back value, as you received’t be charged for protection that isn’t vital. On common, this plan comes out to $45 for canines and $25 for cats.
- This plan additionally consists of limitless, around-the-clock tele-vet for any questions, considerations, or wants. A member of Odie can also be accessible always for any policy-related queries and customer support.
- The ready intervals are quick, and claims are processed in a short time.
- There are multi-pet reductions as properly for this plan
The Accident Solely Plan
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- This plan is completely for emergency vet visits, which will help pet homeowners on a decent funds sleep simpler at night time, realizing that any damage brought on by an accident might be coated. The beginning value is $9 per thirty days for canines and $6 per thirty days for cats.
- That is additionally an incredible possibility for pets with pre-existing situations, whose situations trigger them to be extra inclined to accidents.
- Accidents comparable to damaged bones, sprains, eye accidents, traumatic dental fractures, bites, lacerations, snake bites, and bee stings are coated. Veterinary remedies related to these accidents, comparable to X-rays and emergency care, are additionally coated.
Odie’s Wellness Plan
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- This plan is solely to cut back prices for routine pet care, serving to preserve our furry ones wholesome. The Wellness Plan offsets the price of common vital care, comparable to flea remedy, yearly check-ups, vaccinations, microchipping, and extra. This isn’t a medical insurance plan, only a plan to help with prices related to pet care. This comes out to $14 per thirty days for the fundamental plan and $23 per thirty days for the plus plan.
- As a result of this isn’t a medical insurance providing, there is no such thing as a ready interval nor deductible, and pets with pre-existing situations are relevant (as a result of pre-existing situations don’t matter).
- There are bundles accessible the place you possibly can pair Odie’s Wellness Plan with their insurance coverage.
Customizations
The Sickness & Damage Plan
- Select between a $250 deductible or $500 deductible
- Select between a $10,000 annual restrict or $40,000 annual restrict
- Workplace Go to and Examination Payment Protection is non-compulsory
- Rehabilitative Care Protection is non-compulsory
- Prescriptions Protection is non-compulsory
The Accident Solely Plan
No customizations. All insurance policies have a $10,000 annual restrict with a 90% reimbursement on emergency care, hospitalization, surgical procedure, lab checks related to an damage, MRIs, CAT scans, and X-rays. The deductible is $250.
The Wellness Plan
The Primary Plan
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- Rabies Vaccinations: $15
- Flea & Tick Prevention: $50
- Heartworm Prevention: $30
- Vaccination / Titer: $30
- Wellness Examination: $50
- Heartworm Take a look at or FELV Display: $25
- Blood, Fecal, Parasite Examination: $50
- Microchip: $20
- Urinalysis or ERD: $15
- Deworming: $20
- Doesn’t cowl spay/neuter
- Doesn’t cowl tooth cleanings
The Plus Plan
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- Spay/Neuter and/or Tooth Cleansing: $150
- Rabies Vaccination: $15
- Flea & Tick Prevention: $65
- Heartworm Prevention: $30
- Vaccination / Titer: $40
- Wellness Examination: $50
- Heartworm Take a look at or FELV Display: $30
- Blood, Fecal, Parasite Examination: $70
- Microchip: $40
- Urinalysis or ERD: $25
- Deworming: $20
Odie Pet Insurance coverage Value Comparability for Canines
| Breed Title | Small Blended Breed | Border Collie |
| Male or Feminine | Feminine | Male |
| Age | 8 years previous | 1 12 months previous |
| Location | Los Angeles, CA | Las Vegas, NV |
| Reimbursement Degree | 90% | 90% |
| Annual Deductible | $500 | $250 |
| Annual Max | $10,000 | $40,000 |
| Value per thirty days | $88.71 | $38.50 |
| Breed Title | Beneath 1 | 5 Years Outdated |
| Golden Retriever | $29.95 per thirty days | $40.37 per thirty days |
| Toy Poodle | $18.89 per thirty days | $21.25 per thirty days |
| Cocker Spaniel | $25.55 per thirty days | $34.44 per thirty days |
Deductibles & Claims
The Sickness & Damage Plan offers you a deductible possibility of both $250 or $500. The The Accident Solely Plan has a set deductible of $250. Odie’s Wellness Plan has no deductible.There aren’t any limits to the quantity of claims a buyer could make. The claims course of is kind of easy and is identical or much like different insurance coverage corporations. A declare should be submitted inside 180 days of the therapy date. Clients can use their account and on-line portal to submit a declare digitally, which merely requires importing the requested paperwork. In any other case, prospects can request a declare type, which Odie will mail, e mail, textual content message, or fax primarily based on their choice.
Claims are investigated inside 5 enterprise days; nevertheless, this time can range primarily based on the small print of the declare. Claims involving pre-existing situations are the commonest to be denied, however typically talking, claims that fall inside the coverage phrases are coated.
Please notice that you have to submit your pet’s medical data prior to creating the primary declare. You’ll not need to repeat this afterward.
What Does Odie Pet Insurance coverage Cowl?
All of Odie’s Pet Insurance policy cowl 90% of prices, so that you’ll solely be out of pocket 10%! That is completely unbelievable, as few insurance coverage corporations come this shut.
The annual deductible choices are both $250 or $500, and the utmost yearly protection is optioned at $10,000 per 12 months or $40,000 per 12 months.
The Sickness & Damage Plan
Lined
- 24/7 Televet Chat
- Laboratory Exams
- Diabetes & Insulin
- Emergency Vet Visits
- Hereditary & Congenital points
- Most cancers Remedy
- In a single day Hospital Stays
- Breed-specific Situations
- Tooth Extractions
- IV Fluids & Medicines
- Hip Displaysia
- Poison Management Session
- Medical Provides
- Overseas Object Ingestion
- Lacerations and Wounds
- Surgical procedures
- Poisonous Poisoning
- Bites & Stings
- MRI/CAT Scans
- X-rays & Ultrasounds
- Remedy for Behavioral points
- Rehabilitative Care
- Workplace Visits & Examination Charges
- Dental Illness & Fractures
- Prescription Medicines
- ACL Tears
- Organ or Coronary heart Valve Transplants
- Gastrointestinal Points
- There are numerous extra coverages, as long as it isn’t listed within the Not Lined class
Not Lined
- Pre-existing situations
- Dental prophylaxis and related care
- Endodontic therapy for tooth aside from the canines and carnassials
- Open or closed root planing at any time for any motive
- Any therapy for supernumerary tooth, absent tooth, and malocclusion
- Coaching/obedience courses
- Boarding
- Breeding, being pregnant, or start bills
- Prescription meals
- Beauty or elective procedures
- Biohazard charges
- Preventative Care (this may be added with the Wellness Plan)
- Any prescription or over-the-counter drugs that isn’t included within the prescription formulary
- Accidents on account of any intentional act, comparable to unlawful canine combating
- Problems of diagnostic checks, remedies, therapies, and/ or drugs associated to Situations not coated or restricted
- Anal gland expulsion
- Pet care merchandise
- Any Situation ensuing from actions associated to coaching for or taking part in racing, together with observe or sled racing
- Holistic and different remedies
- Experimental therapies and coverings
- Cremation and burial
The Accident Solely Plan
Lined
- Damaged bones
- Sprains
- Eye accidents
- Traumatic dental fractures
- Chunk wounds
- Lacerations
- Snake bites
- Bee stings
- X-rays associated to accidents
- Ultrasounds associated to accidents
- Laboratory checks associated to accidents
- Emergency care associated to accidents
- Hospitalization associated to accidents
- CT Scan associated to accidents
- MRI associated to accidents
- Surgical procedure associated to accidents
Not Lined
- Breed-specific well being points or diseases, congenital situations, power situations, dental Sickness
- Pre-existing accidents, cruciate ligament occasions, or Accidents on account of behavioral situations or intentional acts
- Routine or wellness care consists of checkups, vaccinations, spay/neuter, microchipping or teething cleansing
- All the pieces else aside from the above protection
Pre-Present Situations
Like most pet insurance coverage corporations, pre-existing situations will not be coated below Odie’s Sickness & Damage Plan. Odie defines pre-existing situations as power situations, bilateral situations, intervertebral disc situations, and any situation that had been recognized earlier than the coverage began or in the course of the ready interval.
Ready Durations
Insurance coverage corporations apply ready intervals to make sure that insurance coverage fraud isn’t dedicated, which implies that your coverage requires a choose period of time to move earlier than protection begins. Odie’s ready intervals are the next:
- Unintentional Accidents: 3 days
- Sicknesses: 14 days
- Cruciate Ligament Occasions: 6 months
This is the reason it’s essential to have insurance coverage in your pet earlier than one thing dangerous occurs.
This being mentioned, Odie states that in some cases, the ready intervals could also be decreased or waived via pre-approved channels the place the animal’s well being is licensed by a taking part veterinarian earlier than protection is bought.
Regularly Requested Questions (FAQ)
Is there a multi-pet family low cost?
Sure! There’s a 5% low cost for a number of pets.
Does Odie cowl pets that aren’t canines or cats?
Presently, Odie solely covers canines and cats.
What’s a Prescription Formulary that Odie states on their Sickness & Damage Plan?
The Prescription Formulary is an inventory of about 950 drugs that Odie’s insurance coverage will cowl below their Take Residence Prescription Medicine Protection.
What if I wish to cancel my coverage?
What is exclusive about Odie is that prospects have a 30-day money-back assure if no claims are coated. In any other case, shoot Odie an e mail to cancel your coverage.
Our Verdict
Though Odie is newer to the pet insurance coverage world, there is no such thing as a motive to hesitate on them – Odie is by far essentially the most reasonably priced plan on the market! Even if you happen to can solely afford the Accident Solely insurance coverage plan, that also offers appreciable aid ought to one thing happen. With masking 90% of therapy prices in each the Damage & Sickness and the Accident plans, I’m astonished that that is attainable. The annual deductible isn’t too excessive both, and I’m positively placing my very own pup on Odie as quickly as I end penning this.