Odie Pet Insurance
$17–$65/month
Odie Review Summary
Odie Pet Insurance launched in 2019 and grew significantly after absorbing ManyPets' US customer base in 2024-2025. The transition was rocky for some customers — premium increases and coverage changes generated complaints — but Odie has stabilized as a legitimate mid-tier option. Underwritten by Clear Blue Insurance Company (A-), Odie offers straightforward accident and illness coverage without the premium add-ons of competitors like Embrace or Fetch. No dental illness, no exam fees, no behavioral therapy — but core coverage for accidents, illnesses, hereditary conditions, and cancer is solid. For budget-conscious owners who want reliable core coverage without premium features, Odie is worth considering.
Pros & Cons
✅ Pros
- ✓Competitive mid-range pricing
- ✓Covers hereditary conditions without breed exclusions
- ✓Flexible plan customization
- ✓Wellness add-on available
- ✓Simple digital claims process
⚠️ Cons
- ✗Inherited ManyPets customer base — some transition complaints
- ✗No dental illness or exam fee coverage
- ✗No behavioral or alternative therapy
- ✗Some customers report premium increases from ManyPets transition
Coverage Details
| Monthly Premium | $17–$65 |
| Annual Deductible | $250–$1,000 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 3 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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