Compare Odie Pet Insurance

Comparison Fact Sheet
Updated 02/01/2026

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Odie
Also Known As / Affiliates / Partners Formally Known As - Milo Pet Insurance

Odie Pet Insurance manages plans for Wishbone Pet Insurance
Address 1600 N 71st St, Ste 540
Scottsdale, AZ 85254
Phone 1-877-327-0471
Website getodie.com
Plans That Provide Full Accident and Illness Coverage Odie Illness and Injury Plan *
States Covered Trisura policies
Available in all states

Accredited policies
Not available in Idaho and Minnesota at this time
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Trisura Insurance Company or Accredited Surety and Casualty Company.

Trisura Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 02/01/2026.

Accredited Surety and Casualty Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 02/01/2026.

For the most recent ratings go to: AM Best
Year Company Started 2019

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Trisura policies
Must be at least 7 weeks old. No upper age limits.

Accredited policies
Must be at least 8 weeks of age. Upper age limit is 14 years of age
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period Trisura policies
3 days for injuries
14 days for illness
6 months for cruciate ligament events

Accredited policies
15 days for accidents and illness

**Waiting Periods can vary by state. See actual policy or contact Odie to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate ligament events

**Waiting Periods can vary by state. See actual policy or contact Odie to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, Canada, and any region under US government control, such as territories or military installations/bases in foreign countries.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Odie for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US, Canada, and any region under US government control, such as territories or military installations/bases in foreign countries.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Odie for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization.

Trisura policies
Take Home Prescription Drug coverage and Exam Fee coverage require an extra add-ons purchase

NOTE - According to Trisura's sample policy, adding any supplement Add On at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing. This also applies to the Alternative Therapy add-ons as well.

Accredited policies
Exam fee and Prescription drugs are included
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization.

Trisura policies
Take home Prescription Drug coverage and Exam Fee coverage require an extra add-ons purchase

NOTE - According to Trisura's sample policy, adding any supplement Add On at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing. This also applies to the Alternative Therapy add-ons as well.

Accredited policies
Exam fee and Prescription drugs are included
Behavioral Therapy Coverage Trisura policies
According to their sample policy: Training and treatment of Behavioral Conditions are not covered, with the exception of consultations and prescription medications if you purchase their Exam Add-On and the Take Home Prescription Drug Add-On.

Accredited policies
Does not appear to be covered

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage Trisura policies
Alternative Therapy Coverage is available through an add-on for an additional fee.

NOTE - According to Trisura's sample policy, adding any supplement Add On at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing. This also applies to the Exam Add-On and the Take Home Prescription Drug Add-On as well.

Accredited policies
Included in policy

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

**See actual policy or contact Odie for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage Trisura policies
Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)

Accredited policies
Hereditary and congenital conditions coverage is not mentioned
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

It is not clear if cancers due to hereditary conditions are covered by Accredited policies
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia Trisura policies
Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)

Accredited policies
Not clear
Prescription Drug Coverage Accredited policies
Prescription Drugs appear to be covered by the base policy

Trisura policies
Coverage for Take Home Prescription Drugs that are prescribed by a vet and administered at home requires an additional add-on.

Medications that are administered by a veterinarian in a clinic for an eligible condition ARE covered by the base policy.

Take Home Prescription medications that are NOT included in their formulary of covered medications are NOT covered.

NOTE - According to Trisura's sample policy, adding this supplement at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing. This also applies to the Exam and Alternative Therapy add-ons as well.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter Trisura policies
Included in Wellness Plan

Accredited policies
Does not appear to be included
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy Trisura policies
If a bilateral condition happens on one side before the policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.

The way it is written in their sample policy it appears this applies to all bilateral conditions (e.g. eye problems, ear problems, knee problems, hip problems, etc)

Accredited policies
Future treatment of any injuries or conditions of a leg when cruciate ligament problems to any other leg existed prior to the initial policy effective date have been identified, regardless of whether or not the new signs or symptoms are related to such cruciate ligament problems.

It is not clear if any other bilateral conditions apply

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 What is covered depends on whether you have a Trisura policy or an Accredited policy.

**See actual policy or contact Odie for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
...See policy for a complete listing

 

How The Policy Works
Reimbursement Trisura policies
Choose from 70%, 80%, 90%
May vary by state.

Accredited policies
Choose from 70% or 90%
May vary by state.
Deductible Trisura policies
Choose from $100 – $1,000
May vary by state.

Accredited policies
Choose from $250 or $500
May vary by state.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined See policies for details
Max Payout Annually Trisura policies
Choose from $10,000 – $40,000
May vary by state

According to Trisura's sample policy, increasing your Annual payout limit at a later date will require that you cancel your current policy and have a new one reissued. This will result in any conditions you have under the old policy to not be covered in this reissued policy as they will be deemed pre-existing.

Accredited policies
$10,000
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $22.00 - $220.00 depending on your location, the options you choose, etc.

 

Additional Info
My Review Odie Review
What are Customers Saying? There are not many customer reviews available at the time of this writing.

To read customer reviews, Google the phrase 'Odie Pet Insurance Customer Reviews'.

Also, check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Odie pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Odie for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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