Illness and injury plan

Pet Health Insurance

The Illness & Injury Plan

The Odie Illness & Injury Pet Insurance plan offers the most comprehensive and accessible pet health insurance, with the flexibility to choose only what YOU need.

Pets aren’t just pets, they’re family…

So, they deserve to receive the best care. Odie’s Illness and Injury plans provide affordable pet insurance coverage for accidents and illnesses for all cat and dog breeds, starting at just 7 weeks.

Select the coverage you want at the budget you need and start saving those extra dollars for toys!

Plans for Cats
Plans average $25/month*
Plans for Dogs
Plans average $45/month*

*Average price based on a 3 year old, mixed-breed pet.

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An all-inclusive, affordable, and flexible insurance plan…that’s dog-gone great!

Unlimited 24/7 Vet Chat

Dedicated Member Support Team

Comprehensive coverage

Short waiting periods

Quick claims processing

What’s covered?

  • 24/7 Televet Chat
  • Emergency vet visits
  • Overnight hospital stays
  • IV Fluids & Medications
  • Medical Supplies
  • Surgeries
  • MRI/CAT Scans
  • Rehabilitative Care*
  • Prescription Medications*
  • Gastrointestinal issues
  • Laboratory Tests
  • Hereditary & congenital issues
  • Breed-specific conditions
  • Hip displaysia
  • Foreign object ingestion
  • Toxic Poisoning
  • X-rays & Ultrasound
  • Office visits & Exam Fees*
  • Organ or heart valve transplants
  • ACL Tears
  • Diabetes & insulin
  • Cancer Treatment
  • Tooth Extractions
  • Poison Control Consultation*
  • Lacerations and Wounds
  • Bites & Stings
  • Treatment for behavioral issues
  • Dental disease & fractures

And much more

What’s not covered?

Unfortunately, like most pet insurance companies, Odie does not cover the following:

  • Pre-existing conditions
  • Training/obedience class
  • Breeding, pregnancy, or birth expenses
  • Prescription food
  • Boarding
  • Cosmetic or elective procedures

Want a more detailed view? Take a look at a SAMPLE ILLNESS & INJURY POLICY

Boost Your Pet’s Plan

For the dogs and cats that need extra love and care, add these optional benefits when customizing your Illness & Injury plan.

Office Visits & Exam Fees

In the event of an illness or injury, this coverage helps reimburse you for exam fees charged in addition to your pet’s diagnostic tests or treatment.

Take Home Prescription Medications

Get reimbursed for medications prescribed by your vet.
Odie covers up to 950 prescriptions.
See our formulary

Rehabilitation, Acupuncture, & Chiropractic Care

Odie can help cover the costs of ongoing physical therapy and rehab to help with your pet’s mobility after they’ve experienced an accident or illness.

See how affordable pet insurance
can be – without compromising coverage.

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Save up to 5% when you enroll two or more pets!

Automatically applied at checkout when you sign up two or more pets for an illness and injury policy. (Or add a second one later.)

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Breaking Down Insurance Terms

Pet insurance can be confusing. We’re here to help you understand what you’re signing up for.

A pre-existing condition is any condition that was diagnosed before the policy started or during the waiting periods. This includes 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.

How pre-existing conditions work

If your pet is already injured or ill before a policy is purchased or during the policy’s waiting periods, that condition will not qualify for coverage by any pet insurance provider. The good news is your pet will be covered for any future, non-related injuries or illnesses under your pet’s policy.

The waiting period is the time between when your policy starts and when coverage begins. Waiting periods vary based on the type of coverage in your policy.

What are my waiting periods?

The below waiting periods begin from the policy effective date and can be viewed on the declarations page of your policy document.

  • Accidental Injuries: 3 days
  • Illnesses: 14 days
  • Cruciate Ligament Events: 6 months

How waiting periods work

If your pet gets hurt, sick, or suffers a ligament injury during the applicable waiting period, that condition will not be covered and will be considered a pre-existing condition since it occurred before the coverage start date. The waiting periods reduce fraudulent claims and keep premiums at an affordable rate.

The annual limit is the maximum amount that the policy will pay in any annual term.

How annual limits work

Let’s say you selected a plan with a $10,000 annual limit. That means Odie will cover up to $10k in eligible claims within one policy year and will reset on the policy anniversary date.

The co-insurance is the amount you pay out of pocket for before the application of your chosen deductible.

How co-insurance works

As an example, let’s say you selected a plan with a 90% reimbursement. Odie will reimburse up to 90% of all eligible charges, leaving you with only 10% out of pocket.

The annual deductible is the amount you pay out of pocket towards the cost of veterinary treatment, after your co-insurance has been applied. Your deductible will reset on the policy anniversary date.

How annual deductibles work

Let’s say you selected a $250 annual deductible. This is the amount you will pay out of pocket before your plan begins to reimburse you. Once you’ve hit your plan’s deductible, you won’t have to pay it again until your policy renews.