Odie Pet InsuranceReviews of getodie.com

Horrific! The premiums are high and they deny every claim. It is just complete insurance fraud. DO NOT USE!!!

Paid their monthly premiums for 2 years, nearly. When my dog got sick and then died, I filed the appropriate claims with the requested materials. They then said I didn't include the materials, so I gave them to them again. I sent them emails and then even had the vet contact them to provide what information they said was missing, which they already had. They then never paid the claims, which were several thousand dollars. Do not under any circumstances use this pet insurance.

They rarely reimburse. May as well have no insurance.

9/22 responded to your additional details request. I am also going to my vet today to have them review your denial. For the love of our beloved pets we put our trust in pet insurance to ensure they’re taken care of if they ever get sick but only to find out that you really cannot count them other than them requiring to get paid on time every month then to find out that they are not willing to pay the care that they have promised. In order to avoid having to pay claim; they rule it as pre-Existing. I did email you the documents the same day no response. It will probably take you another 6 weeks to respond with another denial.

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.***

Poorly run pet insurance company. Very slow to review & reimburse bills. Website log for claims makes it impossible to track past claims. Today got notice they sold it to new company looks like large corporation who doubled the premiums. Now I'm stuck with them since I'm stuck with pre existing that no one else will cover. My opinion. Purposely sell company yearly so customers get stuck & they increase premiums. Wish aI had used Sam's club pet insurance 2 years ago. At least I know they won't go out of business.

Awful. Slow to process. Deny the norm. And my senior dog went up $80 a month! I get a slight increase but $80???? I reached out August 18th- my expectations of them lowering the increase to something more reasonable than a $969 a year increase is not high held. Update 2- Ha! Reply was absolutely pointless. BS. Pet is older so policy goes up - blah blah. Um, again $960 plus dollars???????