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Affordable Pet Insurance - Is it worth it?
If you're a new pet owner, you may be wondering if pet insurance is worth it. These days, you can insure just about any pet, in addition to the usual cats and dogs, but instead of worrying about your next big, out-of-pocket expense for a routine or life-saving procedure, you can manage your pet's care with affordable pet insurance that covers any unexpected accident, injury or illness that befalls your beloved pet.
The first thing to consider is what does pet insurance cover? Depending on your plan, a pet insurance policy can cover office visits and exam fees, veterinary procedures, routine care, and prescriptions and medications. And while it won't cover preexisting conditions, if your pet has an accident, injury or illness, affordable pet insurance will help foot the bill so you don't have to decide between your pet and your bank account.
Whether you have a pet that's lived with you for years or you just brought a new furry friend home to help brighten your life, the sooner you enroll, the sooner you and your pet are covered if something should happen. Here at Odie, we allow anyone to enroll a pet that's at least seven weeks old, so for just-born or younger pets, you'll have to wait until the cutoff to apply.
If you have an older pet, Odie plans have no upper age limit, so as long as you enroll your pet before they need care, we'll help you cover the bill. We'll also cover dental emergencies, including periodontal disease and other dental issues, as long as proper preventative care has been performed.
But if your pet's already sick or injured, it may be too late. As with all pet insurance, pre-existing conditions are not covered, so if a medical illness, injury, or health condition was known prior to you starting a pet insurance plan, your vet bill would not be covered. However, if you purchase pet insurance and your pet develops diabetes, arthritis, allergies, cancer or heart disease, treatment would be covered under your pet health plan.
For those wondering if you can continue to use your own vet, the answer is yes! With Odie insurance, you can see any licensed veterinarian in the U.S., and there's no network, schedule of benefits or pre-authorization procedures to worry about. We allow you to see whoever you want, and we'll even cover visits to specialists and after-hours emergency clinics. Keep in mind that you'll have to wait three days from the active policy date for accidents, 14 days for illnesses and six months for cruciate ligament events and other related conditions, though you can start routine care after just one day. There are no fees to join and our insurance is available anywhere in the U.S. except in AK, CO, FL, IL, MA, and WA. And because our affordable pet insurance doesn't use a benefit schedule, we'll reimburse a flat percentage of the actual vet bill up to 70, 80 or 90 percent, depending on your plan -- up to the plan's maximum benefit.
Here at Odie, we love helping pet owners take care of their pets. With affordable dog insurance and cat insurance options, as well as other options to fit your specific need, Odie pet insurance is easy, straightforward and affordable, so you'll never be caught high and dry the next time your pet needs help. Call or click to get a quote now and start saving on your next big vet bill.
What is pet insurance?
Pet insurance helps cover the costs of veterinary bills related to your pet's ongoing health. For example if your pet has an unexpected accident, injury or illness, an insurance plan will mitigate your total out of pocket expenses. Depending on your customized policy covered expenses can include office visits and exam fees, veterinary procedures, routine care, and prescriptions and medications.
Who should buy pet insurance?
Buying pet insurance is a personal choice and dependent on each individual's financial position. People who would rather save for a rainy-day fund may not feel comfortable purchasing insurance. We respect that. We also know that many pet owners end up with large medical bills before they've been able to save enough money to cover them. Our two cents is if a pet owner is worried about being able to afford an $800-$5,000 unexpected vet bill, they should consider pet insurance. As more and more people consider pets part of their families, pet insurance especially helps those who would do whatever it takes to keep their pets healthy and happy.
When should I buy pet insurance?
Ideally, pet owners should enroll their dog or cat the moment they bring their new pet home. Pet insurance does not cover pre-existing conditions. Enrolling a pet before any new or unrelated issues start to occur will help ensure your pet is eligible for ongoing coverage. Odie customers can enroll any pet breed starting at just 7 weeks old; there are no upper age limits.
My pet is already sick or injured. Can pet insurance help?
Pet insurance, as with all insurance, is for unexpected accidents and/or illnesses. Unfortunately pet insurance does not cover pre-existing conditions. However, getting coverage for your pet will cover most future accidents and illnesses should something happen.
Plans & Features
How does the pet insurance plan work?
As an Odie customer, we want to help you provide your dog or cat with as much medical care as necessary, with a plan that meets your personal budget and needs. To that end, we offer flexibility in your choice of Annual Policy Limits, Deductibles, and Co-Insurance percentages as well as other coverage options.
Odie is an annual policy and you will be charged immediately after selecting either a monthly, quarterly, or annual payment plan. Depending on when you sign up, the date your policy is placed in force is generally, 12:01 AM the day after purchase, unless enrolling through an employer group, using payroll deduction, or you requested a future date for your policy to be effective. You will get an email confirmation of your policy agreement and will have access to your Odie account right away.
After your waiting periods have been met, you may begin submitting your first eligible claim through your online Customer Account.
All Odie policies will continue until canceled and will renew automatically every year as long as your premium payments are current.
*To make changes to your policy, please contact us for eligibility
What pet insurance plans do you offer?
We offer two different plan types: Unexpected Illness and Injuries and Unexpected Injuries Only.
*Please note: Pets that have ever shown symptoms, received treatment for, or been diagnosed with any condition including Addison’s Disease, Cushing’s Disease, Diabetes, Cancer, Feline Leukemia or Feline Immunodeficiency Virus, will only be offered an Unexpected Injuries Only plan.
Unexpected Illness and Injuries
If you sign up for an Unexpected Illness and Injuries plan, you will have the ability to customize your coverage according to your budget and pet's needs.
- Annual Benefit Limits: $5,000, $10,000, $25,000, $40,000
- Annual Deductible: ranges between $50 - $1,000
- Reimbursement Percentage: 70%, 80%, 90%
Optional Supplemental Benefits:
- Office Visits & Examination Fees
- Take Home Prescription Medications
- Rehabilitative, Acupuncture, and Chiropractic Care.
- Routine Care
- Routine Care Plus
Unexpected Injuries Only
If you sign up for an Unexpected Injuries Only plan, you will be offered the following coverage option.
- Annual Benefit Limit: $10,000
- Annual Deductible: $250
- Reimbursement Percentage: 90%
A waiting period refers to the amount of time after enrolling before coverage is provided. Odie offers some of the shortest waiting periods in the industry:
- 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
- 3 days following the Policy Effective Date for any Injuries and any related Conditions.
- 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
- Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.
Can I use my own vet?
Yes. You may use any licensed Veterinarian or staff under a Veterinarian’s direct supervision, only while the Pet is in the United States of America, Canada, or any region under US government control, such as territories or military installations/bases in foreign countries.
Depending on the plan you choose, we provide coverage for the actual cost of veterinary treatment for any eligible disease, disorder, sickness, Illness, Injury, abnormality, and/or syndrome displayed by your Pet unless excluded by the policy, after the application of your chosen Co-Insurance, minus your chosen Deductible, up to the Annual limit of your policy.
*If an Unexpected Injuries Only plan is selected, any disease, sickness, illness, or illness related disorder, abnormality, and/or syndrome is not covered.
What's NOT Covered?
In determining which Conditions are Pre-Existing, we look at the 18 months preceding the Policy Effective Date and exclude any Conditions that were Present during that period. Conditions that are Present during the policy Waiting Period are also deemed to be Pre-Existing Conditions. Please note, the following Conditions are deemed Pre-Existing Conditions if they are Present at any time preceding the Policy Effective Date or the expiration of any Waiting Period:
- Chronic Conditions.
- Bilateral Conditions
- Intervertebral disc Conditions
Including, but not limited to:
- Wellness exams; vaccinations or titer tests; parasite control (e.g., flea control, tick control, heartworm medication, and deworming); and dental care.
- Elective and cosmetic procedures.
- Spaying or neutering.
- Claims for Pets found to be healthy and presenting with no clinical symptoms.
- Training and treatment of Behavioral Conditions with the exception of consultations and prescription medications (if the appropriate Supplemental Benefits are purchased).
For a full look at what's covered and not covered, please refer to our Sample Policy.
Good dental care is vitally important to the overall health of your pet. Our plans include coverage for periodontal disease and other dental issues if proper preventative care as outlined in the policy document has been performed.
Do you use a benefit schedule?
No, our plans do not use a benefit schedule, which is a list that puts a limit on what each type of treatment can cost. Instead, we reimburse your choice of up to 70%, 80%, or 90% of your actual vet bill after the deductible you choose, up to your plan’s maximum benefit.
Depending on your policy, these Supplemental Benefits may or may not be included. Please refer to your policy declaration page for detail on your selected Supplemental Benefits.
Office Visits & Exam Fee coverage
Coverage for all examinations performed by a veterinarian in the course of treating an otherwise eligible condition. This includes, but is not limited to, any exam, check-up, consultation, physical, physical consultation, health inspection, office visit, office call, after-hour fee, referral or recheck.
Take Home Prescription Medication coverage
Prescription and over the counter drugs, medications, supplements, remedies, and treatments prescribed by a Veterinarian and administered outside the clinic for an otherwise eligible Condition. This coverage is limited to those items listed on our formulary of covered medications (the current formulary is available on our web site at odiepetinsurance.com). Drugs, medications, or treatments administered by a Veterinarian in a clinic for treatment of an eligible Condition are part of your underlying coverage and do not require this Supplemental Benefit.
Rehabilitation, Acupuncture, and Chiropractic Care coverage
Also called physical therapy or rehabilitative services. This involves the treatment of physical impairments and disabilities to promote mobility and functional ability through examination, evaluation, diagnosis and physical intervention. This is limited to acupuncture, electro-acupuncture, chiropractic, e-stim therapy, treadmill therapy, laser therapy, therapeutic exercises, range of motion exercises, stretching, joint mobilization, gait training, therapeutic ultrasound therapy, cryotherapy, and heat therapy. This Supplemental Benefit is restricted to the treatment of an otherwise eligible Condition.
Routine Care/Routine Care Plus
Depending on your policy, a Routine Care or Routine Care Plus endorsement may or may not be included. Please refer to your policy declaration page for detail on your selected Routine Care or Routine Care Plus endorsement.
What is Routine Care coverage?
This coverage provides reimbursement for preventative care shown below up to the following maximum amount.
|Preventative Benefit||Routine Care||Routine Care Plus|
|Spay/Neuter - Teeth Cleaning||$0||$150|
|Heartworm test of FELV screen||$25||$30|
|Blood, fecal, parasite exam||$50||$70|
|Urinalysis or ERD||$15||$25|
|Total Annual Benefits||$305||$535|
Can I add Routine Care to my plan at any time?
You may remove or change the Routine Care or Routine Care Plus endorsement option only at renewal of the base policy.
Is there a deductible with Routine Care coverage?
No, there is no deductible or waiting periods to meet.
How do I update my address?
You can request an address change by logging into your Member Portal at OdiePetInsurance.com/login/.
On the Dashboard, navigate to the Personal Information box and click on the Edit Information button.
Please note: an address change may cause a change in your Pet's premium. We require notification within 30 days of an address change.
How do I change my policy plan?
Downgrades: We are happy to help you lower your premium at any time. Downgrades are a decrease in your Annual limit, removal of a Supplemental Benefit, a decrease in Co-Insurance, e.g. moving from 80% Co-Insurance to 70%, or an increase in your Annual Deductible. You can request a change of this kind at any time, but your future claims will be held to the new lower benefit level.
Upgrades: Conversely, you may be eligible to upgrade your policy, but these changes can only be made on your Policy Renewal Date. Upgrades are limited to an increase in Co-Insurance, e.g. moving from 70% Co-Insurance to 80%, or a decrease in your Annual Deductible.
New Policy: Adding any Supplemental Benefit or increasing your Annual limit will require that you cancel your current policy and that we issue a new one with new Waiting Periods, a new Policy Effective Date, and a new Policy Renewal Date. Cancelling your current policy and starting a new policy will result in the Pre-Existing Conditions exclusion (see Section 9.A.) being applied at the Policy Effective Date of the new policy. This means that any Condition showing signs or symptoms at the time you request the change or during the Waiting Period will be considered Pre-Existing to the new policy and any related claims will be denied.
Please contact us at [email protected] to check your eligibility.
How do I cancel my policy plan?
If at any time you wish to cancel, simply notify us by phone, mail, or email and your policy will be cancelled the day we receive your notice.
Phone: (877) 327-0471
Mail: 29899 Agoura Road, Suite 100, Agoura Hills, CA 91301
Email: [email protected]
Your billing date is the date of the initial transaction and on the same date of each subsequent month.
You can see your next billing date, when you log into your Member Portal at OdiePetInsurance.com/login/ and navigate to the Dashboard. You will find your next billing date under "Important Dates".
What happens if my card gets declined?
Your Pet's premium is payable as described on your policy declaration page. You will be automatically charged every month, quarter or year depending on your policy plan.
If we cannot successfully charge your card, you will receive an email notification from us to update your billing information as soon as possible. We will attempt to recharge the card again at a later date.
If premiums are unpaid, the Company may cancel this policy by sending a notice of cancellation to you at your last known address at least 30 days before the effective date of cancellation. If you fail to make a premium payment before the cancellation date the Company will cancel your policy back to the date to which your premiums were pre-paid.
If the policy is cancelled for non-payment of premiums, we may, at our option, reinstate the policy if we receive the full past due premium, along with a written or verbal request for reinstatement within 15 days after the effective date of cancellation. Cancelled policies for non-payment of premium are subject to underwriting review prior to coverage being reinstated.
The successful payment of your premiums constitutes your acceptance of all terms and conditions contained in this policy.
What will NOT cause a change in my Pet's premium?
Your premium will not change based on your Pet’s individual claims experience.
What WILL cause a change in my Pet's premium?
If you decrease your Annual Policy Limit.
If you increase or decrease your Deductible.
If you increase or decrease your Co-Insurance percentage.
If you remove any Supplemental Benefits.
Your Pet’s Policy Renewal Date:
- This adjustment will be based on the changes in your Pet’s age as well as the overall cost of care.
- If the Company adjusts your premium, we will notify you in writing by mail or by email (to the last address known to us) at least 30 days before your change takes effect.
What MAY cause a change in my Pet's premium?
If your address changes. We require notification within 30 days of an address change.
Your policy will continue until canceled and will renew automatically every year as long as your premium payments are current.
If there is a change in your premium, we will notify you in writing by mail or by email (to the last address known to us) at least 30 days before your change takes effect.
How do I file a claim?
You must submit a complete claim form and supporting paid invoice(s) within 180 days of the treatment date.
For the fastest and easiest claim filing experience, please log into your Member Portal t at www.odiepetinsurance.com/login/ and use our electronic claims upload process to submit your documents. Alternately, you can request a personalized claims form by email at [email protected] and we will mail, email, text message or fax one to you.
We may require complete medical history/records associated with your Pet to process your claim.
Vet Direct Pay
You are financially responsible to your Veterinarian for the payment of all fees and costs.
You may have your claims paid directly to the treating Veterinarian if an arrangement to do so exists between us and the treating Veterinarian. Please email us at [email protected] for details.
What is the average claim turn around time?
At Odie, we aim to process claims within 5 business days. Delays may occur if medical history/records associated with your Pet's claims are needed.
Can I talk to a real person?
Yes. You can click the live chat button on our website to chat live with a customer care or sales agent Monday - Friday 9am to 5pm.