New Pet Insurance

[EmersonandEvie]

Has anyone heard of Odie pet insurance?

It seems too good to be true, at least for my area. The price is phenomenal for what they cover and what percentage they cover.

Pet Insurance by Odie™ | Affordable Pet Insurance (getodie.com)

 

[fionasmom]

I have never heard of them, but that is not meant as a criticism. Here are a couple of links to a review and owner ratings.

Odie Pet Insurance Review: Do They Offer Transparent, Flexible, Or Affordable Plans?
ODIE Pet Insurance is rated "Average" with 3.4 / 5 on Trustpilot

 

[daftcat75]

It can be very easy to run up a $10,000 vet bill. And since the limit is cumulative over a year, I would have been left on the hook for a lot more in Krista’s final years if her coverage were subject to dollar limits. I haven’t priced out Odie. But I would recommend having a look at Trupanion instead. 90% coverage after deductible. No annual or lifetime coverage limits.

 

[EmersonandEvie]

It can be very easy to run up a $10,000 vet bill. And since the limit is cumulative over a year, I would have been left on the hook for a lot more in Krista’s final years if her coverage were subject to dollar limits. I haven’t priced out Odie. But I would recommend having a look at Trupanion instead. 90% coverage after deductible. No annual or lifetime coverage limits.

Trupanion wants around $41/month, per pet...we have 3 cats. That's more than I spend on their food.

For an extra $2 or so, Odie ups the coverage to 40k/year. I pray I'll never be in a situation where any of my cats rack up a bill that high.

 

[daftcat75]

Trupanion wants around $41/month, per pet...we have 3 cats. That's more than I spend on their food.

For an extra $2 or so, Odie ups the coverage to 40k/year. I pray I'll never be in a situation where any of my cats rack up a bill that high.

If it’s only $2 more for $40k, I’d get them all $40k coverage so you never have to think, “can I afford that test or procedure or surgery?” Even accidents can set you back $10k. It doesn’t need to be a full on disease process. One of your cats eats a hair tie she can’t pass and that can be a $10,000 surgery (with imaging and incidentals) to get it out of her. If you can afford a $1,000 vet bill today (even if it has to go on a credit card for a short time), then I would recommend maxing out the deductible to get the lowest monthly premiums.

 

[fionasmom]

I should have added that my three young cats are insured. Nothing is going to happen to a young cat, right? Especially indoor only? Jamie has already had two ultrasounds and other diagnostics, has early kidney disease and hypertrophic cardiomyopathy which lead us to a cardiologist two weeks ago. Very glad I have insurance.