Your final monthly pet insurance premium will be calculated based on the following:

• Your pet’s age, breed, and species
• Your location (zip code)
• Selected coverage options and limits
• Chosen deductible and reimbursement rate

To make your pet’s policy more budget-friendly, Odie offers flexible installment options, including convenient monthly payments. A small installment fee is included to cover the administrative and billing costs associated with payment processing. This helps us continue providing affordable and flexible payment plans for our members.

Odie does not alter the premium of an insured pet based on claim history. Any annual premium increases are influenced by factors such as the pet’s age and breed details, as well as inflation rates.

Odie may adjust premiums, deductibles, or reimbursement levels with at least 60 days’ written notice. Changes occur no more than once per policy term.

Please follow these guidelines for selecting your pet’s information:

Age: Use your pet’s actual age according to their birth date, if known. Your vet can provide an estimate if you’re unsure of your pet’s age.

Mixed breeds: Select “Mixed Breed” and indicate size.

Unknown breed: Choose “Mixed Breed” or contact our Member Support team at support@odiepetinsurance.com, and they will be happy to assist you.

Specific breeds: Select the exact breed from the dropdown menu. Breeds are listed in alphabetical order. You can scroll through the choices or input the breed name directly into the entry field.

AAFCO: Association of American Feed Control Officials (defines supplements)

Accident: An unforeseen, unexpected event that results in physical injury to the Pet(s).

Actual Cost of Veterinary Treatment: The standard fees/costs that the treating Veterinarian would charge for Illnesses and Injuries, regardless of whether that customer has insurance coverage.

Alternative and Holistic Treatment: Includes, but is not limited to, homeopathy, osteopathy, herbal remedies, aromatherapy, kinesiology, reiki, reflexology, prolotherapy, ozone therapy, acupoint, acupressure, acupuncture, massage, neoplasene, alpha-stim, stem cell, shockwave, electromagnetic therapy, and Pulsed Electromagnetic Field Therapy (PEMF).

Annual Deductible: The Annual amount you pay out-of-pocket for the Actual Cost of Veterinary Treatment for any eligible Condition after the application of your selected co-insurance amount.

Annual Policy Limit (Annual Limit): The maximum amount that the policy will pay in any Annual term.

Behavioral Condition: Those maladies of a Pet’s behavior that require treatment due to self-injury, property damage, or other negative outcomes. This includes but is not limited to pica, anxiety, aggression, obsessive-compulsive disorder, stress, fear, Coprophagia, psychogenic water consumption, phobias, inappropriate urination, and hyperesthesia.

Bilateral Condition: Refers to a Condition that can affect both sides of the body. This includes, but is not limited to, luxating patellas, Cruciate Ligament Events, glaucoma, entropion, ectropion, hip dysplasia, elbow dysplasia, cataracts, cherry eye, and osteochondritis dissecans.

Chronic Condition: A Condition that can be treated or managed, but not cured. This includes, but is not limited to, Cruciate Ligament Event, atopy, renal disease, osteoarthritis, diabetes, inflammatory bowel disease, Cushing’s, heart disease, hyperthyroidism, and hip dysplasia.

Co-insurance: This term applies to both parties as described on your declaration page. The larger percentage, also known as the Reimbursement amount, represents our portion of the Actual Cost of Veterinary Treatment that is paid for any eligible Condition before the application of your chosen Deductible.

Condition: Any disease, disorder, sickness, Illness, Injury, abnormality, and/ or syndrome displayed by your Pet. A Condition is considered to be Present if it is displaying signs or symptoms that would have been observable or reasonably known to be present by you or your Veterinarian, including those conditions in remission or controlled by medication, whether or not the Condition is noted in your Pet’s medical records.

Cruciate Ligament Event: Any strain, sprain, rupture, tear, or degeneration of any cruciate ligament in the knee of your Pet

Illness: Sickness, disease, and any change to your Pet’s normal healthy state not caused by an Accident.

Injury: Physical harm or damage to your Pet caused by an Accident.

Periodontal Disease: Periodontal Disease is infection and inflammation of the periodontium (the tissues that surround and support the teeth) due to plaque bacteria and your Pet’s response to the bacterial insult. This includes both Gingivitis and Periodontitis. Gingivitis refers to inflammation of the gingiva in response to plaque antigen. Periodontitis is a more severe disease that involves inflammation of the periodontal ligament and alveolar bone, eventually causing loss of attachment (periodontal pocketing, gingival recession, bone resorption).

Pet: The domestic cat or dog listed on the policy declaration page owned by and residing with you for companionship or as a service dog and not owned for commercial reasons.

Policy Effective Date: The date your policy is placed in force. Generally,12:01 AM the day after purchase, unless enrolling through an employer group, using payroll deduction, or you requested a future date for your policy to be effective.

Policy Renewal Date: The date that falls exactly 12 months after your Policy Effective Date, and every 12 months thereafter.

Premium: A monthly or yearly fee you pay to keep your insurance policy active. A higher premium typically means more coverage, but a plan with a low premium may be a better option if you’re on a tight budget.

Preventative Care: Any treatment, service, or procedure for the purpose of prevention of Injury or Illness or for the promotion of general health.

VOHC: Veterinary Oral Health Council (for approved dental products)

Each plan term is 12 months, starting from your plan’s effective date. The plan automatically renews each year unless you cancel. Please refer to your specific policy documents to confirm you policy effective date.

If necessary, Odie’s Support team may contact your current or previous veterinarian to verify your pet’s medical history.

If you have an active pet insurance policy with another company in addition to your Odie policy, your Odie coverage will be considered excess coverage. This means Odie will only consider reimbursement for eligible expenses that were not covered by your primary insurer.

We will not reimburse any portion of a covered item, including the deductible or coinsurance, that was already reimbursed or applied by your other pet insurance provider.

All Odie insurance plans include a 30-day free look period with a full refund, provided no claims have been submitted during this period.

PLEASE NOTE: NY Trisura policies are excluded.

To update the phone number associated with your account, follow these steps:

• Log in to your member portal.
• Navigate to the My Account section of your dashboard.
• Click on the box containing your current phone number
• Enter your new phone number
• Scroll to the bottom and click “Save”

To update the name of the policyholder associated with your account, follow these steps:

• Log in to your member portal.
• Navigate to the My Account section of your dashboard.
• Click on “Request Change” next to your Full Name.
• Submit the “Request Name Change Form” by updating any of the following:
  • New First Name
  • New Last Name
• Add a reason for the Name change within the “Description” box
• Click “Send Request.”

Our team will review your request and email you once it is processed.

PLEASE NOTE: Name changes are permitted for the specific policyholder, such as correcting spelling errors or updating the last name. To change to a new policyholder, please contact Odie’s Member Support team to initiate a Transfer of Ownership.

To update the address associated with your account, follow these steps:

• Log in to your member portal.
• Navigate to the My Account section of your dashboard.
• Click on “Request Change” next to your Address
• Submit the “Request Address Change Form” by updating any of the following:
  • Address Line 1
  • Address Line 2
  • City
  • Zip Code
• Add a reason for the address change within the “Description” box
• Click “Send Request.”

Our team will review your request and email you once it is processed.

PLEASE NOTE: A change of address may result in a premium change.

To update the name of your pet or other related details, follow these steps:

• Log in to your member portal.
• Navigate to the Pet Profile section of your dashboard.
• Click on the Pen icon next to your pet’s name
• Submit the “Request Pet Changes Form” by updating any of the following:
  • New Pet Name
  • New Pet Age
  • New Pet Breed
  • New Pet Gender
• Add a reason for the Pet change within the “Description” box
• Click “Send Request.”

Our team will review your request and email you once it is processed.

PLEASE NOTE: A change in breed or age may result in a change to the premium.