Odie Pet InsuranceReviews of getodie.com

I’ve had the same experience as other who used ManyPets and was switched over to Odie. With ManyPets I had full coverage. I was told with the switch my coverage wouldn’t change. I’ve submitted the same claims for items always approved under ManyPets only to be denied by Odie due to “my policy doesn’t cover it”. Very dissatisfied with the forced switch. It’s virtually impossible to get in contact with them to get a second review or ask why anything was denied. Definitely not staying with Odie as they pay for nothing!

I deeply regret trusting Odie Pet Insurance with my dog’s coverage. After being transferred from ManyPets, I was assured in writing that I would “retain the exact same coverage,” including for ongoing conditions that had already been covered. But when I filed a claim for a new ear infection (not chronic or recurring), Odie denied it—claiming it was a “pre-existing condition.” Here’s the truth: My previous insurer confirmed in writing that this condition was not considered pre-existing and that Odie was made aware of that. Odie then applied a previously undisclosed 18-month lookback period, which was never mentioned until AFTER they denied the claim. I submitted a vet statement clearly explaining the ear issue was not chronic, not recurring, and was treated/resolved individually each time. It made no difference. When I asked how the “independent veterinary review” was handled or what credentials the reviewer had, Odie refused to disclose anything. So much for “transparency.” And yes, they never answer the phone. Not once. Every interaction is through slow, generic email replies. Odie repeatedly uses vague language and blanket statements about “pre-existing conditions” to justify denials—even when there’s overwhelming documentation proving otherwise. It feels like they go out of their way to find loopholes and wear you down so you’ll stop fighting back. If you’re considering this company, please read other reviews. My experience is not unique—there are hundreds of customers saying the exact same thing. Odie might look good on the surface, but once you need to use your policy, you’ll learn just how broken their system really is.

Odie does not have people who answer the phone. Emails are only answered if they involve my premium payments. I was switched from Many Pets-not sure I'll be sticking around with Odie. Might also talk to my credit card company about a refund for my monthly premiums as it appears I am paying for nothing.

If I could give Odie zero stars, I would! They do not care about the law at all. They've violated several Colorado laws on multiple claims I’ve submitted. They refuse to answer their phones, lie and claim they called when they didn’t, provide unreasonable and contradictory explanations, ignore the policy terms I originally had with ManyPets, and refuse to pay claims altogether. I have had thousands of dollars in valid claims pending since May, and Odie will not process them according to state law or their own policy provisions. They argue with customers, are extremely rude, and when I’ve sent them citations of the exact laws they’re violating, they simply go silent and pretend they never saw the information. They have not paid me a single penny on any claim, ever. They forced me onto their plan from ManyPets, promising to match my exact policy, yet they added restrictions such as maximum payout limits that ManyPets never had. They consistently misread Explanation of Benefits (EOBs) from my primary insurer, fail to understand basic insurance terminology, and refuse to answer the phone even when my primary insurer calls to clarify. I have filed formal complaints with: • Colorado Department of Insurance • Better Business Bureau • Consumer Financial Protection Bureau • Colorado Attorney General • Arizona Attorney General • Arizona Department of Insurance and Financial Institutions The laws they are breaking include, but are not limited to: Colorado’s Unfair Claims Settlement Practices Act, bad faith insurance conduct, and misrepresentation of policy provisions. This company should be investigated and sanctioned before more customers are harmed.

Complaining against Odie Pet Insurance for the unjustified denial of a valid claim for my dog, Tripp, and for failure to honor pre-existing condition coverage that had already been established and paid for under the previous insurance provider, ManyPets, which Odie acquired. My experience with them has been deeply frustrating and unfair. It appears Odie is attempting to rewrite policy terms after the acquisition and is refusing to honor valid, previously covered conditions by hiding behind automated denial processes and irrelevant requests. I believe Odie is acting in bad faith and is possibly violating New York State’s insurance laws regarding: - Continuity of coverage during insurer transitions - Unfair claims practices - Failure to acknowledge valid documentation and prior approvals. In 2025, my dog Tripp experienced a flare-up of the same exact allergy symptoms. I submitted a new claim to Odie. In my submission, I included: - A vet bill from the current treatment - A vet bill from the 2023 incident, showing that the same condition was treated and covered under ManyPets Despite this, Odie denied the claim, labeling it as a “pre-existing condition.” I followed up with a detailed explanation, clearly stating that: - I am not denying that it is a pre-existing condition. - My position is that this pre-existing condition was already accepted and covered under the original ManyPets policy and therefore should continue to be covered by Odie. Odie responded with a form letter, requesting that my veterinarian provide a letter stating the current condition is unrelated to Tripp’s medical history — which contradicts the very basis of my appeal. I never claimed the condition was unrelated. I claimed it was related, and that the relationship had already been accepted and covered under my policy. Despite repeated clarifications, Odie continues to send the same form letter, ignoring the actual facts of the case. They have offered no individual consideration, escalation, or proper review. This experience has been deeply frustrating and unfair. It appears Odie is attempting to rewrite policy terms after the acquisition and is refusing to honor valid, previously covered conditions by hiding behind automated denial processes and irrelevant requests. I believe Odie is acting in bad faith and is possibly violating New York State’s insurance laws regarding: - Continuity of coverage during insurer transitions - Unfair claims practices - Failure to acknowledge valid documentation and prior approvals DO NOT USE THIS INSURANCE COMPANY!!!!

We were transferred over to Odie from ManyPets in Jan. And ever since then, it has been a nightmare working with Odie. The price doubled what we were paying with ManyPets and it isn't even the same services. Every claim we submit is delayed by WEEKS and we can barely get ahold of anyone for updates. Emails responses take 7-15 days for them to reply, and good luck getting an answer on the phone or a callback. They say delays are due to high volume of claims being submitted but I have had 3 other insurances for my dogs and NEVER experienced this. We would cancel if our dog did not have preexisting conditions that ManyPets said would be covered under Odie. Take your business elsewhere.

Unable to submit claims do to problems with their website. Nearly twice what we were paying with ManyPets. Email responses are backlogged 7-15 days.

I’ve been deeply disappointed with my experience using Odie Pet Insurance. What was promised as a quick and simple reimbursement process has turned into a drawn-out ordeal. I have submitted multiple claims since May 2025 for over $3,000. Despite repeated follow-ups via email and phone, I have yet to receive reimbursement — or even meaningful communication. The claim portal offers minimal transparency, and customer service responses (when they arrive) are vague and unhelpful. Reimbursement delays of **months** are unacceptable, especially when financial support is urgently needed for pet medical care. The lack of accountability, poor communication, and volume of similar complaints from other policyholders suggests a larger pattern of dysfunction. I urge anyone considering this provider to research thoroughly and proceed with caution. My experience has been frustrating, time-consuming, and deeply disappointing. I am canceling my policy and moving to another insurance provider.