Underwritten by Trisura Insurance Company · Updated 2026-11-09
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How we scoreThe key terms of a Odie plan. Tap the source under any item to see the exact wording, or read the full Odie sample policy.
Accident waiting period
3 days (0 days in CA, DE, LA, MD, ME, MS, MT, NE, NH, OH, PA and WA per Odie's state table)
“3 days following the Policy Effective Date for any Injuries and any related Conditions.”
Open document, page 5retrieved 2026-11-09
Illness waiting period
14 days
“14 days following the Policy Effective Date for any Illnesses and any related Conditions.”
Open document, page 5retrieved 2026-11-09
Knee & hip (orthopedic) wait
6 months (cruciate ligament events); 30 days in CA, DE, LA, MD, ME, MS, MT, ND, NE, NH, OH, OR, PA and WA, and 120 days in VT, per Odie's state table
“6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.”
Open document, page 5retrieved 2026-11-09
Pre-existing conditions
Excluded. 18-month look-back: anything Present in the 18 months before the effective date (or during the wait) is excluded. No cure clause. Chronic, bilateral and IVDD conditions are excluded if Present at any time before.
“we look at the 18 months preceding the Policy Effective Date and exclude any Conditions that were Present during that period.”
Open document, page 16retrieved 2026-11-09
Dental illness
Covered, conditional: periodontal disease (endodontics on canine/carnassial teeth, extractions) if no prior signs; from age 3 requires an anesthetic cleaning and exam within the prior 13 months; cleanings and root planing never covered
“Beginning at three years of age, your Pet's teeth must have been cleaned and examined under general anesthesia by a Veterinarian in the thirteen months before the date of service for the Periodontal Disease claim.”
Open document, page 14retrieved 2026-11-09
Deductible
Annual; $250 or $500 in the quote flow
“Select your deductible ($250 or $500)”
Open document, web pageretrieved 2026-11-09
Annual limit options
$10,000 or $40,000
“Select your annual limit ($10,000 or $40,000)”
Open document, web pageretrieved 2026-11-09
Maximum enrollment age
No upper age limit (minimum 7 weeks)
“starting at 7 weeks old, with no upper age limits”
Open document, web pageretrieved 2026-11-09
Odie Pet Insurance
Accident waiting periodThe policy says
“3 days following the Policy Effective Date for any Injuries and any related Conditions.”
Policy, page 5Why it matters: Odie's help-center state table lists 0 days for accidental injuries in CA, DE, LA, MD, ME, MS, NE, NH, OH, PA, WA and MT, and 3 days elsewhere. The sample and the insurance-terms page say 3 days.
Odie Pet Insurance
Knee & hip (orthopedic) waitThe policy says
“6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.”
Policy, page 5Why it matters: Odie's help-center state table shows 30 days for cruciate events in 15 states (CA, DE, LA, MD, ME, MS, NE, NH, OH, PA, WA, MT, ND, OR) and 120 days in VT; 6 months only for 'Other states'.
What customers say
“While I felt frustrated trying to send claim today, I called customer support at Odie and glad I did....”
Kaeko S. · Trustpilot review
“It used to take months and months for the claims to be processed. Now, they’re processed the claim on time 👏👏👏”
Melissa M. · Trustpilot review
In the policy document we read: accidents, 3 days (0 days in CA, DE, LA, MD, ME, MS, MT, NE, NH, OH, PA and WA per Odie's state table); illness, 14 days; knee and hip conditions, 6 months (cruciate ligament events); 30 days in CA, DE, LA, MD, ME, MS, MT, ND, NE, NH, OH, OR, PA and WA, and 120 days in VT, per Odie's state table. Waiting periods can differ by state.
Excluded. 18-month look-back: anything Present in the 18 months before the effective date (or during the wait) is excluded. No cure clause. Chronic, bilateral and IVDD conditions are excluded if Present at any time before. (from the Odie policy document).
Covered, conditional: periodontal disease (endodontics on canine/carnassial teeth, extractions) if no prior signs; from age 3 requires an anesthetic cleaning and exam within the prior 13 months; cleanings and root planing never covered (from the Odie policy document).
No upper age limit (minimum 7 weeks). This comes from the Odie website; the policy document leaves it to the declarations page.
This page reads a sample Odie policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.