Affordable Pet Insurance Plans
Plans to fit your budget. Not the other way around.
Learn how to build the perfect health insurance plan for your pet.
Step 1: Pick an Annual Limit
An annual insurance limit is the maximum amount of money Odie will pay toward your pet’s covered health services in any given year. Odie offers limits from $5,000 up to $40,000. For healthy dogs and cats who are low to moderately active, a lower annual limit is a great start. Older pets or pets who are highly active and adventurous, a higher limit may be necessary.
Step 2: Choose the Annual Deductible
A deductible is the amount you pay for your pet’s covered health care before the insurance kicks in. You only pay the annual deductible once, so when that’s reached any eligible claims will be reimbursed according to your plan. Odie lets you choose your annual deductible starting from just $50 to $1,000.
Step 3: Select your Reimbursement Percentage.
The reimbursement percentage is the amount the insurance company pays toward your pet’s medical bills after you’ve reached your annual deductible. With Odie, you can choose a 70%, 80% or 90% reimbursement plan. Your reimbursement percentage remains the same whether you visit your regular vet, a specialist or an emergency hospital.
What does pet insurance Cover?
Coverage for the things that make you go, “uh oh”.
Want a more detailed view? Take a look at a sample policy.
Pet Insurance Terms
All of this insurance jargon can get pretty confusing. We’re here to help explain the terms so you know exactly what you’re purchasing.
What is coinsurance?
Coinsurance is the amount you pay for your pet’s covered services after you’ve paid your annual deductible. The remaining balance is covered by the insurance company. This is often confused with a copay which is a flat fee you pay on the spot when you visit the doctor.
In this example, let’s say you’ve chosen a plan with a 90% insurance reimbursement. Your coinsurance would be 10%.
($1,500 Vet Bill x 10% Coinsurance) + $250 Annual Deductible = You Pay $400
With Odie, you can choose a 10%, 20% or 30% coinsurance plan. Your coinsurance percentage remains the same whether you visit your regular vet, a specialist or an emergency hospital.
What is a deductible?
A deductible is the amount you pay for your pet’s covered health care before the insurance kicks in.
For example, let’s say your plan’s annual deductible is $250. The next time you take Pumpkin to the vet, you would pay for the first $250 of covered services. After you meet your annual deductible, insurance will pay for covered services minus your coinsurance.
($900 Vet Bill x 10% Coinsurance) = You Pay $90
Odie lets you choose your annual deductible starting from just $50 to $1,000. The lower your annual deductible, the higher your monthly premium will be.
What is an annual insurance limit?
An annual insurance limit is the maximum amount of money Odie will pay toward your pet’s covered health services.
Odie offers limits up to $5,000, $10,000, $25,000 and $40,000 depending on the plan you choose.
What is a waiting period?
A waiting period is the amount of time you’ll need to wait before your insurance policy goes into effect. Basically you’ll need to wait until the waiting period is up before you can make a claim.
Odie offers some of the shortest waiting periods in the industry. Once met, waiting periods are waived for continuous, uninterrupted policy renewals.
- 3 days for Accidents
- 14 days for Illnesses
- 6 months for Cruciate Ligament Events and any related conditions.
- Routine care plans can be used the day after you enroll.
Have more questions? Check out our FAQs page.