Odie vs Embrace
We’re a new kind of pet insurance. See how we compare.
At Odie, we’re building upon all the things we love about traditional pet insurance and adding coverages modern pet owners can actually use. Things like giving you comprehensive accident and illness coverage with the ability to add-on exam fee coverage, take home prescription medication coverage and even routine care coverage.
Basically, old dog…new tricks.
Key Differences
| Odie Pet Insurance | Embrace Pet Insurance | |
|---|---|---|
| Type of Pet Insurance | Accident & Illnesses | Accident & Illness |
| Reimbursement Rate | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual Coverage Limit | $5,000, $10,000, $25,000, $40,000 | $5,000, $8,000, $10,000, $15,000, $30,000 |
| Deductible | Flexible $50-$1,000 | Flexible $200-$1,000 |
| 5 Day Claims Processing | 
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| Accident Waiting Period | 3 days, Cruciate Ligament 120 days | 48 hours |
| Illness Waiting Period | 14 days | 14 days |
| Cruciate Ligament Waiting Period | 6 months | 6 months |
| Types of Pets Covered | Dogs, Cats | Dogs, Cats |
| No Breed Restrictions |
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| No Upper Age Limits |
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| Routine Care/Preventative Care Plans |
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| Hereditary & Congenital Conditions Covered |
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| Travel Coverage | Yes – U.S., Canada, Puerto Rico | Yes – U.S., Canada, Internationally up to 6 months |
| Optional Coverages | Office Visits & Exam Fees, Take Home Prescription Medications, Rehabilitation, Acupuncture, & Chiropractic Care | Wellness Rewards |
Ready to join Odie?
Click below to begin customizing your pet’s health insurance plan.