Odie Pet InsuranceReviews of getodie.com

Transferred over from ManyPets and was told that our documents showing that our cats medical condition was not a preexisting condition were lost, so all of our claims were denied. Do NOT use them - more expensive, and denied all coverage

We were transitioned from ManyPet insurance coverage for our dog to ODIE last August. Since that time we have had all three of our claims denied. One claim was for standard wellness care and checkup. The latest, and more significant, was for knee surgery to repair a damaged ligament. With the latest claim the fraud they are running became crystal clear. ODIE sends a link to your policy coverages. Not an attachment and nothing in print. You submit a claim based on that stated coverage. They kick the can several weeks with excuses about "higher than normal volume" and "your submitted invoice is blurry", etc to draw out the acceptance process. In the mean time, they edit your policy coverage to include language that specifically excludes the items in your claim. Once your policy is updated they deny your claim and reference the policy (via link). It was very clear in our case - the language was way too specific to our dogs situation. We read our policy (prior to the claims) and knew we should be covered. Then reading the linked only policy suddenly there is very specific, plain language that excludes the very thing we submitted the claim for. Wish we had screen captured (downloaded? not sure that was an option) our policy prior to the claim, then at least we'd have hard evidence for a lawsuit. We will submit a criminal complaint for fraud with the local Scottsdale PD. Avoid this company!

As another customer who recently posted this month, I too liked Many Pets before they got bought out by Odie. Similarly, I've had to advocate and prove myself HARD for claims they've denied. The policies are confusing, they take FOREVER to reply to email and even longer to pay claims, which they like to deny. For example, my pup was recently diagnosed with cancer and was given a treatment plan. First, all the bloodwork and tests that led up to his diagnosis resulted in Odie claiming that the results were "behavioral" where I had to resubmit multiple explanations, receipts, and medical histories of my dog over a span for 4 months. They still have yet to approve it. Second, the treatment medication given to my dog with cancer was denied because, again, it was deemed as "behavioral." I sent a long email appealing to the support team how it was not behavioral. They literally responded back 1 month later telling me I need to fill out an appeals form (which isn't conveniently located on their website). They then make you get a doctor's note, medical history, explanation and other burdensom documents wearing you down as a client. I still have yet to hear back from them and it's been several weeks. Third, my dog also has a heart murmur and I've submitted his medications and was paid back relatively quickly (maybe within 2 weeks?) But recently, I submitted the same medication receipt (that also had his cancer medication as well) and have not been paid after 1 month. My fear is that they're going to reject it for some stupid reason. For the submission of his cancer medication receipt, they claimed that the invoice was "too blurry" and when I checked, it was CLEAR as day. Again, this is the SAME receipt for his heart medication. I'm on the phone now with their representative and laid out how deeply problematic this situation was. He apologized and said that the invoice was NOT blurry and is sending it to their support team to be reviewed again. I wish I could leave as a customer but unfortunately my dog cannot be accepted by other insurance agencies because of his pre-existing conditions so now I'm stuck with this hell hole. Honestly, I might not even be a client after this experience. THEY ARE THE WORST. Do not give them your money. They will DELAY or DENY you and rely on your exhaustion!

I wish I could give 0 stars. My dog was injured at daycare and required emergency surgery — exactly the situation I have pet insurance for. Odie denied my claim after two months for “missing records” they themselves requested and my vet provided, then told me the claim couldn’t be reopened and had to be resubmitted from scratch. To call this incredibly frustrating and inefficient would be an understatement.

I strongly regret using Odie Pet Insurance. Unfortunately, my experience has been just as bad as many of the reviews you’ll find online—it genuinely feels like a complete scam. I submitted a claim on 2/19 and, since then, have received four separate “update” emails that are clearly automated and provide absolutely no meaningful information. There has been zero real progress or communication regarding my claim, which is incredibly frustrating when you’re relying on timely support for your pet’s care. At this point, I have no confidence in their service or claims process. I would never recommend Odie to anyone looking for reliable pet insurance.

I was one of the customers who got transferred to Odie from ManyPets. I decided to continue with them (with lower coverage and higher premiums) because the new policy with Odie was meant to cover what was covered under my ManyPets policy. Of course, I don't find out Odie considers my dog's heart condition to be pre-existing (when it was covered by ManyPets for years) until after I submit a claim to them and they deny it. I paid for months of premiums for something that did not cover what I was made to believe it did. They refused to refund me for past premiums on the basis that the coverage was misrepresented to me when I signed up. Had I known the new policy would not continue to cover my dog's heart condition, there would be no way for me to justify paying increased premiums. My premiums were raised at ManyPets year by year because of this condition. The technicality they got me on was that based on the agreement they have the right to make determinations (separate from what ManyPets had determined previously) regarding the pre-existing condition status of an illness or disease. Of course, this is not done on transfer to the new company, so that it is clear what you are paying for, and if the "same coverage" functionally differs from your previous policy. Instead, it is done after months of paying premiums, when you request to be paid out for claims that have been approved for your dog for years. How is a potential policyholder supposed to know the new company will make a different conclusion regarding a pre-existing condition status? Especially when this arrangement was set up to allow ManyPets policyholders a means to retain their same coverage? The entire agreement was pitched to us on the premise that this would ensure we would receive coverage for conditions covered under ManyPets. I read and understood the fine print in the agreement before signing and agreeing to transfer. What I failed to understand is how motivated this company is to screw over customers by purposely obscuring the coverage they will receive.

Probably the worst pet insurance in the world. I used to have ManyPets and from that loved them- they automatically merged with Oldie Pet Insurance and from there my monthly rate skyrocketed and the claim process time takes up to 4 months just to process ONE CLAIM. It is not worth the money at all. You are paying so much out of pocket PLUS the monthly insurance and it's better to just pay the out of pocket cost.

Odie fails to honor its claims and overcharges for its services. Its response times are in excess of what can be considered reasonable by any standard. Odie is an unacceptable provider doomed to go out of business. Find somewhere else.