Affordable Pet Insurance Plans
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!
Choose your base plan based on an annual limit between $5,000-$40,000.
Pick the annual deductible you’re comfortable paying out of pocket for.
Select a reimbursement percentage of 70%, 80%, or 90%.
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.
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.
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