Compare Odie Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

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 administers the plans for Wishbone Pet Insurance
Address 29899 Agoura Rd #110
Agoura Hills, CA 91301
Phone 1-877-327-0471
Website getodie.com
Plans That Provide Full Accident and Illness Coverage Odie Illness and Injury Plan *
States Covered Not Available in Alaska
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Trisura Insurance Company.

Trisura Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Negative" as of 1/30/2024.

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 Must be at least 7 weeks old
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness

3 days for injuries

Sample policies state 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.
Waiting Period for Cruciate Injury Sample policies state 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.

Prescription Drugs and Exam Fee coverage requires extra add-ons purchase
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization.

Prescription Drugs and Exam Fee coverage requires an extra add-ons purchase
Behavioral Therapy Coverage 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 Prescription Drug Add-On.

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

**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.

According to their sample policy on their website, a pre-existing condition is "...Any Condition for which a Veterinarian provided medical advice, the Pet received treatment for, or the Pet displayed signs or symptoms consistent with the stated Condition prior to Policy Effective Date or during any Waiting Period."

"...In determining which Conditions are Pre-Existing, we look at the 18 months preceding the Policy Effective Date and exclude any Conditions that were Present during that period."

"... the following Conditions are deemed Pre-Existing Conditions if they are Present at any time preceding the Policy Effective Date or the expiration of any Waiting Period:""

"1. Chronic Conditions"

"2. Bilateral Conditions, if your Pet had at any time any Pre-Existing Conditions consistent with that same Bilateral Condition on either side of the body."

"3. Intervertebral disc Conditions, if your Pet had at any time any Pre-Existing Conditions involving the intervertebral discs (due to either degeneration or trauma)."

**See actual policy or contact Odie for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] 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)
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.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] 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)
Prescription Drug Coverage [OPTIONAL]
Coverage for 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.

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

NOTE - According to their 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 [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Periodontal (Gum) Disease Coverage:
According to their website, in order for Periodontal Disease to be covered:
"1....Beginning at three years of age, your Pet’s teeth must have been cleaned and examined under general anesthesia by a Veterinarian in the thirteen months before the date of service for the Periodontal Disease claim.""

"2. Any Periodontal Disease found during the examination described in subsection (1) must be treated before Periodontal Disease coverage becomes available for your Pet.""

"3. Pets younger than three years of age have no cleaning or examination requirements, and will enjoy full coverage of Periodontal Disease so long as there were no signs or symptoms that pre-existed the Policy Effective Date or the expiration of any."

If you meet these requirements then Endodontic treatment for canine and carnassial teeth and extractions will be covered for Periodontal disease.

Dental Fractures due to Trauma:
Endodontic treatment for canine and carnassial teeth and extractions for all teeth are covered for as long as they are not caused by repetitive inappropriate chewing behavior that presented symptoms or signs before your policy effective date or during the waiting period.

Deciduous Teeth, Dentigerous Cysts, Enamel Hypoplasia and Unerupted Teeth: Extractions are covered if your pet enrolled prior to becoming 6 months old and there are no signs or symptoms of these conditions prior to your policy effective date or during the waiting period.

Other:
Treatment for supernumerary teeth, absent teeth, and malocclusion are not covered.

It is not clear if orthodontics and conditions like cavities are covered.


**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy 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)

**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)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Hereditary/Congenital coverage, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations) Exam Fee Coverage, Alternative Therapy Coverage, Prescription Drug Coverage (Refer to each category's section for limitations)

**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 Choose from 70%, 80%, or 90%

May vary by state.
Deductible Annual Deductible

Choose from $250 and $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined Reimbursement is based on Actual Costs

It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Max Payout Annually Choose from $10,000, or $40,000

According to their 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.
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 - $100.00 depending on your location, the options you choose, etc.

 

Additional Info
My Review Odie Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau None available at the time of this writing
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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