Affordable pet insurance for your non-human family member.

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Meet Odie. Flexible, Transparent, Simple.

As loving pet owners, we know you’re always on the lookout for quality products & services for your dogs & cats. As the cost of vet care rises, you need an affordable pet insurance plan to protect your pet & your bank account.

Odie helps modern-day pet owners, just like you, budget for those unexpected vet care costs. No matter your pet’s breed or age, comprehensive coverage with customizable options is just a click away.

Getting started right now is easy.

Fill out the form to get an instant quote.

Instant Coverage

Fill in this form to get an instant quote and receive a policy in minutes from Odie.

Upload receipts into the portal.

Upload Vet Receipts

After your waiting periods are up start uploading your pet’s medical invoices into the 24/7 Customer Portal.

Get reimbursed within 5 business days.

Get Reimbursed

We’ll process your claims within 5 business days and mail reimbursements directly to your home.

Are you a broker or provider? Head to our broker/provider section for more information.

Customizable coverage, your way.

Accident & Illness Insurance

With Odie, unexpected accidents and illnesses are included in every plan. From X-rays and CT scans to hospital stays and surgeries, as long as it isn’t pre-existing, rest easy that we have you covered.

accident and illness coverage

Optional Benefits

For dogs and cats who need more coverage, Odie has plenty of options. Get coverage for things such as take home prescription medications or alternative therapy such as acupuncture and chiropractic care.

Optional Benefits

Routine Care Plans

Get reimbursed for the things you already do with your pet such as vaccinations, flea and tick medication and even microchipping. What’s even better is there is no annual deductible and no waiting periods.

Routine Care Plan

Why affordable pet insurance is so important.

Easily afford the rising costs of medical care.

According to the AMERICAN VETERINARY MEDICAL ASSOCIATION, or the AVMA, American households are home to more than 130 million dogs and cats. We love our pets like family, and like all family members, our furry companions are going to get sick and injured from time to time. The AVMA estimates that the average household expense for veterinary care for dogs and cats is nearly $600 per year. That comes to a total of approximately $78 billion

All of us who have pets know that vet bills can quickly climb into the range of thousands of dollars if not more. For too many pet owners, these costs come directly out of their pockets, and for too many others, these expenses can lead to excruciating, tragic choices. You need to protect yourself and all of your loved ones with pet insurance.

More options for emergency situations.

Affordable pet insurance will help you take care of your pet or pets when – not if – something arises. Pet insurance is a safeguard, much like health insurance in humans, against those unforeseen costs that can be debilitating to families who are working hard just to get ahead. However, unlike human health insurance, as you’ll see below, Odie’s affordable pet insurance program doesn’t limit you in your choices or options. 

Please take a closer look below at our pet insurance options. Affordable pet insurance will have you sleeping easier knowing that your furry friends are going to get the care they need without you having to face the potential for a terrible choice. Get started with your pet insurance policy today!

Here's why dog and cat owners are choosing Odie.

Plan FeaturesOdieTrupanionNationwideEmbraceHealthy PawsFIGOPumpkinLemonade
Flexible Annual Limitcheck icon check icon check icon check icon check icon check icon check icon check icon
Customizable Deductible & Reimbursement Percentagecheck icon check icon check icon check icon check icon check icon check icon check icon
5 Day Claims Processcheck icon check icon check icon check icon check icon check icon check icon check icon
Wellness/Preventative Care Planscheck icon check icon check icon check icon check icon check icon check icon check icon
No Upper Age Limits or Breed Restrictionscheck icon check icon check icon check icon check icon check icon check icon check icon
Short Waiting Periodscheck icon check icon check icon check icon check icon check icon check icon check icon

What our members are saying.

Minnie was adopted recently and we knew we needed to get pet insurance after we had a traumatic experience with our last foster dog. 

We were walking our foster puppy, Uri, who was a 12 week old Coonhound, in Central Park when 2 other dogs attacked him leaving his floppy ears needing stitches.  Young puppies have an incredible amount of energy that can lead to a ride to the vet.  After doing a thorough online comparison, I discovered Odie offered superior coverage for the lowest cost.  We even had our first claim paid fast and easy after Minnie came down with a urinary tract infection that needed vet attention/meds.  The unparalleled customer service that we received prompted me to write this review and I recommend Odie over other companies without any reservation.”

– Steven F, New York, NY

Odie helped with an emergency allergic reaction.

My dog had a severe allergic reaction to carpet cleaner over the Christmas holiday. We were out-of-state so we couldn’t wait to see her usual vet and ended up taking her to a local emergency hospital. Luckily, Odie covered the claim which was probably triple what taking her to a regular vet would’ve cost.

-Dana, New York, NY

Dana review dog

Backed by experienced insurance companies

Odie Pet Insurance

Odie was born out of three generations of pet lovers who just happened to be in the insurance business. After recognizing the growing costs of vet bills and expensive wellness plans, we saw the growing need for better pet insurance. Our belief has been that all pets deserve great medical care and that owners should not have to choose between their finances and a loved one’s well-being. Our program aims to make pet insurance more affordable with easy to understand policies and a convenient tech-based claims process.

Thorson Specialty

Thorson Specialty Insurance Services Inc. “Thorson Specialty” is the exclusive managing general agency for PrimeOne. With more than 30 years of program management experience and concentrated expertise, Thorson delivers exceptional client experiences nationwide.


PrimeOne Insurance Company is a property and casualty insurance company. The Company is A-Rated Exceptional by Demotech, fully licensed and admitted in the states it does business, and reinsured by one of the most trusted names on the planet, Swiss Re.

Clear Blue

The Clear Blue Insurance Group is a property and casualty insurance group providing insurance programs in partnership with MGAs / program administrators and reinsurers to produce commercial and personal lines coverages nationwide. Clear Blue consists of three P&C insurance companies group rated A – (Excellent) by A.M. Best: Clear Blue Insurance Company, Clear Blue Specialty Insurance Company and Rock Ridge Insurance Company.

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