Notice to California Residents

Notice to California Residents



Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Right to Examine and Return

You have thirty (30) days from the day you receive the policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the Company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:
MailOdie Pet Ins Mktg, Inc.
29899 Agoura Rd Ste 110
Agoura Hills, CA 91301
Fax(530) 285-4258

Annual Policy Limit, Annual Deductible, & Co-Insurance

Description of Illness and Injuries Plan Coverage

Annual Policy Limit$2,500; $5,000; $10,000; $25,000; $40,000
Co-Insurance70%; 80%; 90%
Annual Deductible$50-$1,000 (as shown on the policy declaration page)
Supplemental BenefitsThe below supplemental benefits are available for additional premium. Please refer to the policy declaration page to see if your policy includes these supplemental benefits: Office Visits/Exam Fee Coverage, Take Home Prescription Medication Coverage, Rehabilitation, Acupuncture, and Chiropractic Care Coverage

Description of Accident Only Coverage

Annual Policy Limit$10,000
Annual Deductible$250

Waiting Periods

  1. 3 days following the Policy Effective Date for any Injuries and any related Conditions.
  2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
  3. 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
  4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers; however, if you cancel or non-renew your policy in order to add any supplemental benefit (if applicable) or increase your Annual Limit (if applicable) on a new policy, then Waiting Periods will not be waived for that new policy.
  5. The waiting periods may be reduced or waived for coverage acquired through pre-approved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.


($1,200Total eligible expenses of a covered condition
x 90%)Reimbursement percentage
– $250Remaining annual deductible

Routine Care/Routine Care Plus Endorsement

Routine Care/Routine Care Plus is an optional endorsement that may be added to your base pet health insurance policy. Purchase of a routine care endorsement is not a requirement for the purchase of pet insurance. The endorsement is subject to all provisions of your policy that are not in conflict with the provisions of the endorsement.

The endorsement provides reimbursements for preventative care shown below up to the lesser of the Actual Cost of Veterinary Treatment expense provided by a Veterinarian or the following maximum allowable limits.

Maximum Allowable Limits

Routine CareRoutine Care Plus
Spay/Neuter – Teeth Cleaning$0$150
Flea/Tick Prevention$50$65
Heartworm Prevention$30$30
Wellness Exam$50$50
Heartworm Test or FELV Screen$25$30
Blood, fecal, parasite exam$50$70
Urinalysis or ERD$15$25


  1. PET INSURANCE: An individual or group insurance policy that provides coverage for Veterinary expenses.
  2. PRE-EXISTING CONDITION: Any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.
  4. VETERINARIAN: An individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.
  5. WAITING PERIOD: The period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.

Complaint Resolution

California Department of Insurance Contact Information

AddressCalifornia Department of Insurance
300 Capitol Mall Ste 1700
Sacramento, CA 95814

Producer Contact Information

AddressOdie Pet Ins Mktg, Inc
29899 Agoura Rd Ste 110
Agoura Hills, CA 91301