Affordable Pet Insurance Plans

Mix, match, & craft the perfect plan to cover all those unexpected vet bills.

Plans that fit your budget & provide quality coverage, all in one place

Customize and purchase your insurance policy for dogs & cats — no breed or age limits–, all from one simple platform.

Take your pet’s coverage to the next level

Build your policy starting with one of our four base plans. Then choose your annual deductible and reimbursement percentage to find a monthly payment that fits your budget. If you think your pet will need more coverage, add on some optional benefits!

Base Plan

Choose your base plan based on an annual limit between $5,000-$40,000.

Annual Deductible

Pick the annual deductible you’re comfortable paying out of pocket for.

Reimbursement Percentage

Select a reimbursement percentage of 70%, 80%, or 90%.

Optional Benefits

Add one or all of the available supplemental benefits to your pet’s coverage.

Plan & prepare for regular visits with a Routine Care Plan

From annual wellness exams to vaccines to flea & tick meds, get reimbursed for the things you already do to keep your pet healthy.

Join pet owners across the US who use Odie to protect their dogs and cats

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.


Accidents or Injuries
Emergency Care
Hereditary and Congenital Conditions
Cancer Treatments
Chronic Conditions
Dental Disease
Diagnostic Testing
CT Scans
Hospital Stays

Not Covered

Regular, preventative, or routine vet visits/care.
Pre-existing conditions
Breeding or conditions related to pregnancy
Prescription food
Elective or cosmetic procedures
Experimental procedures
Alternative or holistic treatments
Training or treatment for behavioral conditions (some exclusions apply)

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.

Have more questions? Check out our FAQs page.

Pet insurance wasn’t something on my mind when I got Monty. It wasn’t until he fractured his tibia at four months that I realized I wish I had him covered.

Since then Odie has helped Monty with just about everything. He was recently diagnosed with idiopathic head tremors after a very scary episode and a trip to the emergency room. Except this time, he had insurance and was covered for a very high bill. I am so grateful that Monty has Odie Pet Insurance because they always help take care of his needs and give me a peace of mind knowing that because of his plan he will be covered. 

-REBECCA B, Chicago, IL

Monty, IL