When looking for a pet insurance plan, it’s easy to get overwhelmed by the coverage details. Many insurance companies overcharge for added benefits you likely will not use, so you pay more. Odie Pet Insurance was designed by animal health and veterinary medicine experts to provide comprehensive coverage for your pet’s needs without overcharging for bells and whistles – making it the most affordable option. Odie insurance may be a more affordable option than comparable plans from Wagmo, with more coverage options.

With our Televet support, Odie members can chat with a licensed veterinarian anytime – 24 hours a day, 7 days a week. Members can ask questions, show photos and videos, and determine quickly if and when they need to schedule an appointment. As part of our focus on providing affordable pet care, this option is a must-have for pet parents to avoid unnecessary and costly trips to the vet or emergency care facilities. Wagmo only offers this service with their Classic or Deluxe Wellness plans and limits the number of times you can use the Vet Chat. If you don’t choose one of these plans or you go over the limit, you may find yourself paying for non-essential vet visits.

To ensure our members are satisfied with their Odie policies and services, we offer a 30-day money-back guarantee. We will refund 100% of any premium paid if no claims have been paid or submitted. (Exclusions apply: Illness & Injury Policy – not available in NY, PA, VA/Accident Only Policy not available in MO, NY, OR). We, of course, never want Odie customers to leave us, but exemplary service and pet care support are at the forefront of what we do. So, if requested, we will void the policy and cancel any pending or submitted claims. Wagmo does not offer this first look, so if you’re not satisfied with your pet insurance plan, you will still be responsible for paying the premium throughout the year.

Every Odie insurance plan comes with the ability for pet parents to customize their plans by adding or removing optional benefits, including Office Visits and Exam Fees, Rehab, Acupuncture, and Chiropractic care, as well as Take-home prescriptions. Members opting to keep these coverage options will receive the full reimbursement due as part of your co-insurance. Wagmo only covers 50% of the cost of medications prescribed by your Vet as part of the Injury and Illness Treatment up to the limit outlined in your Declarations page. With Wagmo, you may pay more for your pet’s prescriptions, even though they are essential to your pet’s care.

Odie covers endodontic treatment for canine and carnassial teeth as long as your pet is free of any signs of Periodontal disease before the Policy effective date or during the waiting period. All pets, beginning at 3 years of age, must have their teeth cleaned and examined under general anesthesia by a Vet in the thirteen months before the date of service from the Periodontal Disease claim. Wagmo’s dental coverage is limited and will not cover endodontic or orthodontic dental services such as caps, crowns or crown amputation, and fillings.