Odie Pet InsuranceReviews of getodie.com

Easy to sign up, just wish you had a app in the App Store to download on my phone

I've had my 2 dogs insured with them for a few years. I'm seriously looking at alternatives. Oddie is your"typical" insurer, The one that will do everything they can not do their job and pay for a claim. 1st, they will ask for documents, they've had since day 1, then they will keep saying they're missing something, putting deadline on providing docs, hoping you miss the date or may give up on your claim... bunch of crooks...

Everything you need to know about them is the disgusting way this policy is structured: the method of applying the coinsurance BEFORE THE DEDUCTIBLE is unnecessarily convoluted and results in a supposed $950 deductible actually requiring $1,187.50 in eligible veterinary expenses before the policy pays anything. This calculation is of course buried in the policy language, it is completely contrary to the ordinary way a consumer would understand an “annual deductible” and is purely designed to minimize the insurer’s payout while making the coverage appear more generous than it actually is. Even more unfortunately, my cat has developed bladder stones while covered under this policy, and now I cannot simply move him to another insurer without his urinary condition being excluded as pre-existing. I am stuck with this unscrupulous, unethical, dishonest, despicable company now. I have not yet received a dime from them and do not have a date upon which I might. Even then, it will be significantly less than expected due to their policy to take the total amount of the claim and apply the coinsurance FIRST, and THEN deduct the deductible from that percentage and you just get whatever is leftover. Instead of every other insurance policy in existence which does not pay anything until you have met your full deductible, THEN they pay out the designated percentage of the total claim. Full example: my claim was for $979 x 80% reimbursement rate (20% coinsurance) is $783.20 minus $273.94 (remaining deductible) = $509.26 reimbursement. INSTEAD OF $979 minus $273.94 (remaining deductible) is $705.06 x 80% reimbursement rate (20% coinsurance) = $564.05 (A difference of $54.79 which is nothing to them but is a whole lot to me. I paid $2,173.78 out of pocket, they decided $1762.08 of that was actually eligible to claim, and then they managed to finagle their payment down to $509.26 instead of what should have been more like $649.66. AVOID AT ALL COSTS - they're shadier than the average insurance company which is really saying something. ***As a side note, I did not purposely elect to have Odie but rather acquired them through my Nibbles credit card and Nibbles, having clearly concluded that Odie was not the right partner, likely due to this exact complaint, less than two months after I signed up, has since moved its new cardholders to Rainwalk, with substantially different and better policy terms, yet those of us who signed up under the original Odie arrangement have simply been left behind with this ridiculous policy.***

Very straightforward, good prices, clear expectations.

I originally switched to Odie because the last pet insurance kept raising the rates. My dog Holly had surgery on July 9th and I just got reimbursed today in the mail. The documents Odie requested were reasonable and sent promptly. The communication sent was confusing if I it had been approved or not. When you said it was approved I tried to use your direct deposit method which did not work. The folks on your phone were pleasant but tried to tell me to just resubmit it. Anyway I used the check option. I got a message that it was sent but I got a message two weeks later that it was sent after I had checked my PO Box. I appreciate being reimbursed for a portion of my vet bill. Other than the preceding glitches the process worked.

I am so delighted with my Odie Pet Insurance experience that I barely know where to begin with the compliments! The Odie web portal is incredibly easy to use—a big plus for those of us who may be a little less tech savvy. But what truly sets Odie apart is the team. They are PAWSOME! Every single person I spoke with provided knowledgeable, thoughtful, and compassionate answers to my questions. They never made me feel rushed, and they understood that they weren’t simply answering questions about an insurance policy—they were helping me take care of someone I love. Finn is my anchor in a stormy world. What happens to him, happens to me. The Odie team understood that, and their kindness meant more than they probably realize. And the cherry on top? They asked me to send them a picture of Finn in his cool new life jacket. Seriously, who does that anymore? ODIE DOES! Outstanding customer care, genuine compassion, and a team that clearly understands how much our pets mean to us. My heart is full—and Odie has earned every one of these five stars. 🐾❤️

Alison who I spoke with and handled this particular claim for Brooklyn:) She was great! And a shout out to the whole Odie team-been with you guys for 5 years since I had Brooklyn at 2 1/2 months (she's 5:) and you guys have been a pleasure to work with. I refer you to other dog owners all the time! Regards, Todd

The teprestative I spoke with was very knowledgable about my pets coverage smoung othr things like payments