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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.
How much does pet insurance cost?
To customize a free pet insurance quote for your dog or cat, please visit our Get A Quote page.
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.
What is a pre-existing condition?
A pre-existing condition is any medical illness, injury or health condition that was known and existed prior to starting a pet health insurance plan. Examples include but are not limited to diabetes, arthritis, allergies, cancer, and heart disease.
Odie Pet Insurance
Can I use my own vet?
Yes. When your pet is insured with Odie Insurance, you can use any licensed veterinarian in the U.S. We have no network, no schedule of benefits and no pre-authorization procedures. We want your pet to receive the best care possible, which is why we also cover visits to specialists and emergency after-hours clinics.
Are there any waiting periods?
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: just 3 days following the policy effective date for accidents, 14 days for illnesses, and 6 months for cruciate ligament events and any related conditions. Routine care plans can be used the day after you enroll. Once met, waiting periods are waived for continuous, uninterrupted policy renewals.
Is there an enrollment fee to join?
No. There is no enrollment fee to join ODIE.
Where is Odie Pet Insurance available?
Currently, Odie Pet Insurance is available across the United States except in AK, CO, FL, IL, MA and WA.
Is my pet too old for pet insurance?
Odie has no upper age limits, so you can insure your dog or cat at any age over 7 weeks. As your pet ages, more medical problems may develop and the need for pet health insurance will likely increase. Chronic disorders and medical problems that wouldn't be dangerous when young can be easily life threatening as your pet grows older.
Will you cover my pet’s dental needs?
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.
Who underwrites Odie's pet insurance policies?
Odie's pet health insurance programs are administered by Thorson Specialty Insurance Services, Inc. and underwritten by PrimeOne Insurance Company, Clear Blue Insurance Company and Clear Blue Specialty Insurance Company.
Supplemental Coverage
What optional coverage does Odie offer?
Odie offers additional coverage options for those who want a more robust plan. Our additional coverage options include:
- Office Visits & Exam Fees
- Take Home Prescription Medications
- Rehab, Acupuncture, & Chiropractic Care
- Routine Care
What’s included with the Office Visits & Exam Fee benefit?
Coverage for all examinations performed by a veterinarian in the course of treating an otherwise eligible condition.
Examples include but aren’t limited to: check-ups, consultations, office visits, referrals and more.
What’s included with the Take Home Prescription Medication benefit?
Coverage for prescription and over the counter drugs, medications, supplements, remedies and treatments prescribed by a veterinarian. The coverage is limited to those items listed in our formulary. Click here for the formulary.
What’s included with the Rehabilitation, Acupuncture, and Chiropractic Care benefit?
Also called physical therapy or rehabilitative services. This coverage involves the treatment of physical impairments and disabilities to promote mobility and functional ability through examination, evaluation, diagnosis and physical intervention.
Examples include but aren’t limited to: acupuncture, treadmill therapy, laser therapy, gait training, joint mobilization and more.
What is Routine Care coverage?
Coverage for dogs and cats that helps pay for your pet’s regular veterinary visits. Routine checkups, dental cleanings and blood work may help catch disease early. It’s an excellent way to budget for your pet’s medical expenses. This coverage is more robust than the office visits/exam fee coverage as it pays up to a certain amount for routine procedures and treatments. Each treatment pays up to the following per year with no deductible.
| Spay/Neuter - Teeth Cleaning | $0 |
| Rabies | $15 |
| Flea/Tick Prevention | $50 |
| Heartworm Prevention | $30 |
| Vaccination/Titer | $30 |
| Wellness Exam | $50 |
| Heartworm test of FELV screen | $25 |
| Blood, fecal, parasite exam | $50 |
| Microchip | $20 |
| Urinalysis or ERD | $15 |
| Deworming | $20 |
| Total Annual Benefits | $305 |
Do I need the routine care option?
If you prefer, you can simply pay the annual expenses of routine care, like dental cleaning, vaccinations and blood work, on your own. However, our routine care options are designed to save you money on expected and preventative care for your pet.
Is there a deductible with routine care coverage?
No! Our routine care coverage does not have a deductible to meet. These plans help pay for routine diagnostic testing, spaying/neutering, teeth cleaning, blood work, vaccinations and more. For more details check out our Routine Care page.
Account
How do I log into my account?
To login, please follow these steps:
- Select the "Login" button in the top right corner.
- Enter in the email address and password associated with your account.
- Welcome to your dashboard!
Having trouble logging in? Contact us at [email protected] or click on the live chat box.
How do I update my address?
To update your address, please follow these steps:
- Select the "Login" button in the top right corner.
- Enter in the email address and password associated with your account.
- On the left hand column, click on "Settings".
- Click on "Update Address" under the "Home Address" box.
- Enter in your new address and press save.
Kindly 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 update my credit card?
To update your credit card information, please follow these steps:
- Select the "Login" button in the top right corner.
- Enter in the email address and password associated with your account.
- On the left hand column, click on "Settings".
- Click on "Edit Payment" under the "Billing Details" box.
- Enter in your new credit card information.
- Press save!
How do I upgrade my policy?
You may be eligible to upgrade your policy 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. Please contact us to check your eligibility.
Can I add Supplemental Benefits to my current policy?
Yes. 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.
Kindly note that cancelling your current policy and starting a new policy will result in the pre-existing conditions exclusion being applied at the policy effective date of the new policy. This means 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.
How do I downgrade my policy?
You may 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.
Billing
When will I be billed?
To access your next billing date, please follow these steps:
- Select the "Login" button in the top right corner.
- Enter in the email address and password associated with your account.
- In the Dashboard you will see your next billing date under the "Important Dates" box.
Does my policy auto-renew?
Yes. Your policy will renew automatically every year. 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.
Why do rates go up as my pet gets older?
As they age, our pets face the same increasing risk of cancer, heart disease, kidney failure, and other problems of aging that we all do. Prices increase as your pet ages to cover the increased veterinary costs associated with growing older.
Claims
How do I file a claim?
The easiest and fastest way to file a claim is through your Customer Account by logging into the ODIE Portal.
To submit a claim in the ODIE Portal, please follow these steps:
- Select the "Login" button in the top right corner.
- Enter in the email address and password associated with your account.
- Click on "Make A Claim" under the "Claims" box.
- In the top right corner, click on "Make A Claim" and choose the pet you would like to submit a claim for.
- Fill out the form and upload a pdf of your receipt.
- Click on "Submit Claim".
Having trouble logging in? Contact us at [email protected] or give us a call at 877-327-0471 and we can help you out.
Most claims are processed within 5 business days and reimbursements are sent as paper checks or free direct deposit - your choice.
How fast will I receive my reimbursement?
We process most claims in five business days, and if you choose a paper check, you can expect to receive it about two weeks after filing your claim. If you choose direct deposit, your reimbursement will be deposited as soon as two business days after we process your claim.
Cancellation
How do I cancel my policy?
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]
Customer Support
Contact Us
Email Us: [email protected]
Call Us: (877) 327-0471
Address: 29899 Agoura Road, Suite 100, Agoura Hills, CA 91301
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 8am to 5pm PST.