Odie pet insurance review 2026: 2.7 out of 5 stars

Learn more: How to compare pet insurance quotes

Does Odie have a multi-pet discount?

Odie doesn’t have a multi-pet discount if you enroll more than one dog or cat. Most pet insurance companies we reviewed offer a multi-pet discount of around 5% or 10%.

Can Odie pet insurance pay the vet directly?

No, Odie can’t pay the vet directly. You’ll need to pay for your pet’s veterinary expenses upfront and submit a claim for reimbursement. However, Odie might be willing to make a special arrangement if you're expecting a big vet bill for something like surgery.

Learn more: Pet insurance that pays the vet directly

How to file a claim with Odie

To file a pet insurance claim with Odie, follow these steps:

• To file a claim: Log in to your member portal, click on “Submit Claim,” and answer the questions. You’ll need to upload your paid invoice and your pet’s medical records. If you’re submitting the first claim, ask your vet to provide a copy of your pet’s complete medical history with their exam notes.

• To track your claim: You can track pet insurance claims through the Odie member portal. From the dashboard, click on “Claims,” find the claim you want to track, then click “View Details.”

• If your claim is denied: If your claim is denied, you can request an appeal. The appeal process requires an explanation of why you disagree with the decision, and a letter from your veterinarian with relevant medical documentation. To submit an appeal, email the completed Appeal Form and vet documents to This email address is being protected from spambots. You need JavaScript enabled to view it..

How long do I have to submit claims to Odie?

You have 180 days from the date of treatment to submit claims to Odie.

How fast does Odie pay pet insurance claims?

Odie says pet insurance claims are paid in two to five days for direct deposits and five to seven days for paper checks. You can choose your reimbursement option through the member portal.

Odie’s mobile app

Odie doesn’t have a mobile app. Customers can use their online member portal to manage their policy, submit and track claims, upload medical records, add pets, and access 24/7 virtual vet support.

Odie pet insurance FAQs

Where is Odie pet insurance available?

Odie’s accident and illness pet insurance policy is available in every state except Idaho and Minnesota. The wellness plan is offered in all 50 states.

Does Odie require an exam?

Odie doesn’t require an exam before you can enroll your pet. But when you file your first claim, you might need to show proof that your pet had at least one comprehensive exam within the 12 months prior to enrollment.

How do I contact Odie customer service?

Here’s how you can contact Odie’s customer service team:

• Call 1-877-327-0471 Monday through Friday from 8 a.m. to 5 p.m. CST

• Email This email address is being protected from spambots. You need JavaScript enabled to view it.

How do I cancel an Odie policy?

Here’s an overview of Odie’s cancellation policy:

• Cancelling in the first 30 days, with no claims: If you cancel within the first 30 days of the policy and you haven’t filed any claims, you’ll receive a full refund.

• Cancelling in the first 30 days, with claims, or after the first 30 days: If you cancel within the first 30 days and you submitted claims, or if you cancel at any point after the initial 30 days, you won't receive any refund. Your plan will stay active for the duration of the policy period.

• Cancelling because your pet passed away or is lost: If you’re cancelling because your pet passed away or is lost, Odie will provide a retroactive refund based on the date of loss.

You can submit a cancellation request through the online member portal. Cancellations are processed within two to three business days. You’ll receive an email confirmation once the cancellation is complete.

Tim Manni edited this article.

Methodology

We researched the coverage details and prices for 28 pet insurance and wellness plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue.

Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments.

No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points.

Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.