Odie Pet Insurance Review
Odie is an accident-and-illness pet insurer built around two products: an Illness & Injury plan for unexpected vet bills and an optional Wellness Plan for routine care. Most of its policies have no upper age limit, which makes it a common pick for owners of senior dogs and cats.
We are an Odie affiliate partner, so we may earn a commission if you get a quote through the links on this page. Our 4.4-out-of-5 editorial rating is based on our own research and does not change based on that commission.
Editorial Rating
4.4/5
independent of commission
Est. Monthly Cost
$25–$45
quote required for exact rate
Annual Limit
$10,000 or $40,000
Reimbursement
70% or 90%
Age Limit
No upper age limit on Trisura-backed policies
Accredited-backed policies enroll pets 8 weeks to 14 years, depending on your state
Bottom Line
Odie is worth a quote if you want an accident-and-illness plan with a genuinely optional wellness add-on and, on most policies, no age cutoff for enrolling an older pet. It is not the right fit if your pet already has a diagnosed chronic condition, since that condition will be permanently excluded, or if you want a firm price without requesting a quote first. Deductibles run $250 to $1,000, reimbursement is 70% or 90%, and annual limits top out at $10,000 or $40,000.
What Is Odie Pet Insurance?
Odie sells accident-and-illness pet insurance for dogs and cats, plus a separate wellness add-on for routine care. Depending on the state you live in, your policy is underwritten by either Trisura Specialty Insurance Company or Accredited Surety and Casualty Company, which is why some of Odie's own age and coverage rules vary from state to state. That underwriter split is worth knowing, because it is the reason Odie can market itself as having no upper age limit in some states while capping new enrollments at 14 years in others.
For most shoppers, the practical takeaway is simple: Odie is a reasonable option to add to your quote comparison, especially if your pet is past the age where competitors stop accepting new enrollments. Confirm your state's specific age and coverage rules on the quote form before you commit.
Odie Pet Insurance Plans
Odie sells three separate products. Two are insurance plans that cover unpredictable vet bills, and one is a wellness add-on for costs you already expect to pay.
Illness & Injury Plan
Odie's comprehensive plan. It covers accidents, illnesses, emergency care, surgery, diagnostics, hospitalization, specialist visits, cancer treatment, and hereditary or congenital conditions that are not pre-existing. Reimbursement is 70% or 90%, with a $250 to $1,000 deductible and a $10,000 or $40,000 annual limit.
This is the plan most owners choose, and the one this review focuses on.
Accident-Only Plan
A fixed-rate plan that reimburses accidental injuries only, such as fractures, bite wounds, or swallowed objects. The terms are fixed rather than customizable: 90% reimbursement, a $250 deductible, and a $10,000 annual limit.
Illness, including cancer and chronic disease, is not covered under this plan.
Wellness Plan (Add-On)
Not an insurance product, so it is not subject to a deductible or waiting period the same way. It reimburses up to $150 a year per category for routine exams, vaccinations, parasite prevention, and dental cleanings, plus up to $50 a year toward eligible Petivity devices and Purina products.
Stack it onto either insurance plan, or skip it if you already budget for routine care separately.
What's Covered
- Accidents and injuries
- Illnesses, including chronic conditions diagnosed after enrollment
- Cancer diagnosis and treatment
- Hereditary and congenital conditions (not pre-existing)
- Behavioral treatment tied to a diagnosed condition, under the Illness & Injury plan
- Prescription medication and alternative or rehabilitative therapy
What's Not Covered
- Pre-existing conditions, for the life of the policy
- Routine and preventive care, unless you add the Wellness Plan
- Illness under the Accident-Only plan
- Conditions diagnosed during a waiting period
- Cosmetic or elective procedures not tied to a medical need
Odie Pet Insurance Cost
Based on the rate ranges we track for the providers on this site, Odie premiums run roughly $25 to $45 a month. That is an estimate, not a quote. Odie does not publish fixed prices on its site, and your actual premium depends on your pet's species, breed, age, and location, plus the deductible and reimbursement level you pick.
| Variable | Options |
|---|---|
| Deductible | $250, $500, or $1,000 |
| Reimbursement rate | 70% or 90% |
| Annual limit | $10,000 or $40,000 |
| Estimated monthly range | $25–$45 (varies by pet and location; get a quote for your rate) |
A higher deductible and a 70% reimbursement rate will lower your monthly premium. If you want to maximize what you get back per claim, the 90% reimbursement and $250 deductible combination costs more per month but pays out more when you actually file.
Waiting Periods and Pre-Existing Conditions
Waiting Periods
- Accidents: 0 to 3 days
- Illness: 14 days
- Congenital or hereditary conditions: 30 days to 6 months, depending on your state
Waiting periods are typically waived if you renew your policy continuously without a lapse in coverage.
Pre-Existing Conditions
Odie's policy defines a pre-existing condition as anything that showed signs or symptoms in the 18 months before your policy's effective date, or during your waiting period. Once a condition is classified as pre-existing, it is excluded for the life of the policy. This is standard across the pet insurance industry, not a rule specific to Odie.
The practical implication: enroll a healthy pet as early as possible. The longer your pet goes without symptoms before you apply, the less likely a future condition gets flagged as pre-existing.
Odie Pros and Cons
Pros
- No upper age limit for enrollment on Trisura-backed policies, a real advantage for senior pets
- Genuinely optional wellness add-on rather than a bundled cost
- Covers alternative and rehabilitative therapy under the Illness & Injury plan
- Behavioral treatment is covered under the Illness & Injury plan when it is tied to a diagnosed condition
- Two reimbursement levels (70% or 90%) and three deductible tiers give some room to fit a budget
Cons
- Pre-existing conditions are never covered, standard for the industry but still a real limit
- Pricing is not published; you need to submit a quote request to see your rate
- The no-age-limit selling point only applies to policies underwritten by Trisura; Accredited-backed policies cap new enrollment at 14 years
- The Accident-Only plan has fixed terms, so you cannot adjust the deductible or reimbursement rate
Who Odie Is Good For (and Who Should Look Elsewhere)
Consider Odie if you:
- Have an older dog or cat that other insurers have started to age out
- Want a wellness add-on you can skip without affecting your insurance rate
- Value alternative therapy or rehab coverage for a pet with joint or mobility issues
- Are comfortable requesting a quote before comparing final prices
Look elsewhere if you:
- Have a pet with a diagnosed chronic condition you need covered; it will be excluded as pre-existing everywhere, including Odie
- Want unlimited annual coverage, since Odie caps out at $40,000
- Prefer to see exact pricing on the provider's website before requesting a quote
How Odie Claims Work
- 1
File within 180 days
Submit your claim through Odie's online member portal within 180 days of the date of treatment.
- 2
Attach documentation
Include an itemized veterinary invoice, proof of payment, and your pet's medical records. Odie may request additional records to process the claim.
- 3
Claim review
Odie reviews the claim against your policy's covered conditions, deductible, and waiting periods.
- 4
Reimbursement
Approved claims are paid by direct deposit in about 2 to 5 days, or by paper check in 5 to 7 days.
Odie vs. Other Pet Insurance Providers
Odie is one option among several worth comparing. Rows below are ordered by our editorial rating, not by commission.
| Provider | Rating | Monthly Cost | Deductible | Best For | Get a quote |
|---|---|---|---|---|---|
Healthy Paws | 4.8/5 | $30 - $80 | 100, 250, 500 | Comprehensive coverage | Get quote |
Lemonade | 4.5/5 | $20 - $60 | 100, 250, 500 | Budget-conscious pet owners | Get quote |
Odie | 4.4/5 | $25 - $45 | 250, 500, 1000 | Senior pets & wellness add-ons | Get quote |
Embrace | 4.3/5 | $25 - $70 | 200, 300, 500 | Customizable coverage | Get quote |
Trupanion | 4.2/5 | $35 - $90 | 250, 500, 750 | Maximum reimbursement | Get quote |
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For a full side-by-side breakdown of every provider we track, including coverage details beyond what fits in this table, visit our pet insurance comparison page.
Get an Odie quoteOdie Pet Insurance FAQs
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How much does Odie pet insurance cost?
Does Odie cover pre-existing conditions?
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Does Odie have an age limit for pet insurance?
What does the Odie Wellness Plan cover?
How do I cancel Odie pet insurance?
How do Odie pet insurance claims work?
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Our Review Methodology
We rate pet insurance providers on price transparency, coverage breadth, enrollment age limits, and reimbursement terms. Our editorial rating for Odie is based on this research, not on commission. We are an Odie affiliate partner and may earn a commission when you get a quote through links on this page; that relationship does not change the rating or the facts reported here.
Plan, pricing structure, waiting period, and claims process details on this page were verified directly against Odie's official website and help center as of August 2026. Odie does not publish fixed premiums, so the monthly cost range shown is an estimate based on the rate ranges we track for the providers on this site. Insurance products, rates, and availability vary by state and by pet.
Last updated: August 2026
Advertising Disclosure: CheckItAll.net is an independent comparison site. We may receive compensation when you click links or sign up with partners featured on our site. This compensation may affect how and where products appear on this site. Our opinions are our own. Read our full disclosure.