Odie Pet Insurance Review 2026: An Expert’s Breakdown

Having pet insurance is a responsible move when you’re a parent to a four-legged best friend. Injuries, illnesses, and wellness are all costs that can quickly skyrocket beyond anyone’s budget, and insurance is there to help. Odie is aiming to change the pet insurance industry by offering an easy-to-understand, customizable, affordable option for all of us pet parents out there (being, on average, 15-30% less expensive than comparable companies). Trust me, having insurance and never using it is better than finding yourself in the emergency room without it.

Odie Pet Insurance Review

About Odie Pet Insurance

Odie is a relatively new type of insurance company that has hit the pet coverage marketplace, and Odie is quickly making its name known amongst the other big-name pet insurance providers. Having been founded by pet owners who were frustrated with the process of finding insurance for their dogs Luke and Summer, Odie prides themselves on making pet insurance easy to understand, affordable, and no fuss! Lucky for all of us, Luke and Summer’s parents are three-generation insurance experts, so Odie was craftfully designed by someone with a lot of knowledge in that industry.

Odie’s manifesto best discloses the core principles of this insurance company, which are Affordability, Prevention, and Commitment. Odie believes that insurance should be an affordable and accessible option for all, especially with the staggering statistic of only 2% of dog and cat owners having insurance. When an emergency happens, vet bills can be devastating - and often have a pet’s life held in the balance over cost. Odie believes that education and preventative care help make pets healthier, which is why the company developed a Wellness plan to further facilitate happy pets and reduce claims. Odie’s commitment to their customers and beloved pets aims to shine through with compassion and excellent customer service.

Alongside all of this, Odie provides coverage in all states and is probably one of the most comprehensive coverage regions of many of the big pet insurance players. From Odie themselves, “we provide treatment coverage while the pet is in the US, Canada, or any region under US government control, including territories or military installations/bases in foreign countries. If a pet requires medical treatment or veterinary services in these specified locations, the policy will cover the associated costs per the terms and conditions of the insurance contract.” This also gives you peace of mind when traveling or relocating with your pet.

All of this being said some have criticized Odie for not having an unlimited payout option like some other pet insurances offer. You can only choose between a $10,000 or $40,000 annual limit. However, this does help Odie remain affordable and truth be told, most average pet owners will not cross the threshold of a $40,000 yearly limit in their pet’s lifetime! As such, pet owners tend to overspend on insurance.

On the note of the average pet owner, Odie’s policies are best meant for your average pet. Purebred dog and cat breeders, canine sports enthusiasts, and working animals aren’t really the market for Odie - so the policies don’t tend to cover medical costs associated with these practices. If anything, Odie specifically states they will not cover costs related to breeding, training canines for racing or sledding, and the like.

Pricing & Plans (Updated in 2026)

Pet Insurance Cost Comparison

* Prices vary depending on your pet's age, breed, and location. Averages updated January 2024.

Base Policy

Odie has three base policies to choose from:

Customizations

The Illness & Injury Plan

• Choose between a $250 deductible or $500 deductible
• Choose between a $10,000 annual limit or $40,000 annual limit
• Office Visit and Exam Fee Coverage is optional
• Rehabilitative Care Coverage is optional
• Prescription coverage is optional

The Accident Only Plan

No customizations. All policies have a $10,000 annual limit with a 90% reimbursement on emergency care, hospitalization, surgery, lab tests associated with an injury, MRIs, CAT scans, and X-rays. The deductible is $250.

The Wellness Plan

Odie Pet Insurance Price Comparison for Dogs

Deductibles & Claims

The Illness & Injury Plan gives you a deductible option of either $250 or $500. The The Accident Only Plan has a set deductible of $250. Odie’s Wellness Plan has no deductible.There are no limits to the amount of claims a customer can make. The claims process is quite simple and is the same or similar to other insurance companies. A claim must be submitted within 180 days of the treatment date. Customers can use their account and online portal to submit a claim digitally, which simply requires uploading the requested documents. Otherwise, customers can request a claim form, which Odie will mail, email, or fax based on their preference.

Claims are investigated in as little as five business days; however, this time can vary based on the details of the claim. Claims involving pre-existing conditions are the most common to be denied, but generally speaking, claims that fall within the policy terms are covered.

Please note that you must submit your pet’s medical records prior to making the first claim. You will not have to repeat this afterward.

What Does Odie Pet Insurance Cover?

All of Odie’s Pet Insurance plans cover 90% of costs, so you’ll only be out of pocket 10%! This is absolutely incredible, as few insurance companies come this close.

The annual deductible options are either $250 or $500, and the maximum yearly coverage is optioned at $10,000 per year or $40,000 per year.

The Illness & Injury Plan

*Note that these are covered only if selected

The Accident Only Plan

Pre-Existing Conditions

Like most pet insurance companies, pre-existing conditions are not covered under Odie’s Illness & Injury Plan. Odie defines pre-existing conditions as chronic conditions, bilateral conditions, intervertebral disc conditions, and any condition that had been diagnosed or showed signs or symptoms of before the policy started or during the waiting period.

Waiting Periods

Insurance companies apply waiting periods to ensure that insurance fraud isn’t committed, which means that your policy requires a select amount of time to pass before coverage begins. Every state will be different, but Odie’s most common waiting periods are the following:

• Accidental Injuries: 3 days
• Illnesses: 14 days
• Cruciate Ligament Events: 6 months

This is why it is crucial to have insurance for your pet before something bad happens.

Frequently Asked Questions (FAQ)

Is there a multi-pet household discount?

Yes! There is a 5% discount for multiple pets.

Does Odie cover pets that are not dogs or cats?

At this time, Odie only covers dogs and cats.

What is a Prescription Formulary that Odie states on their Illness & Injury Plan?

The Prescription Formulary is a list of about 950 medications that Odie’s insurance will cover under their Take Home Prescription Medication Coverage.

What if I want to cancel my policy?

What is unique about Odie is that customers have a 30-day money-back guarantee if no claims are covered. Otherwise, shoot Odie an email to cancel your policy.

Note that the 30-day free look is available in all states except NY.

Our Verdict

Although Odie is newer to the pet insurance world, there is no reason to hesitate on them - Odie is by far the most affordable plan out there! Even if you can only afford the Accident Only insurance plan, that still gives considerable relief should something occur. With covering 90% of treatment costs in both the Injury & Illness and the Accident plans, I am astonished that this is possible. The annual deductible isn’t too high either, and I am definitely putting my own pup on Odie as soon as I finish writing this.