Accident-only
For unexpected injuries
Help with covered vet bills after an accident.
- Treatment for covered accidents
- Related tests, surgery and hospital care
- Coverage limits set by Odie
The pet insurance
you'll feel good about.
See your pet's price and coverage options from Odie.
- Keep the vet you love
- Up to 90% back on covered bills
- 24/7 vet chat for members
Good company behind your coverage.
Recognition for Odie.
Odie · Selected in 2024
View the recognition ↗Coverage options
What's covered
Choose accident-only or accident and illness insurance. For everyday care, explore Odie's separate Wellness Plan.
Accident & illness
For injuries and illness
Help with covered care when your pet gets hurt or develops a new illness.
- Covered accidents and new illnesses
- Related tests, surgery and hospital care
- Choose your limit, deductible and reimbursement rate
Wellness Plan
For everyday care
Everyday care with its own plan and yearly benefit limits. Not insurance.
- Routine exams and vaccinations
- Up to $700 in yearly benefits
- A separate plan, purchased separately
Compare coverage details
| Benefit | Accident-only | Accident & illness | Separate Wellness Plan |
|---|---|---|---|
| Accidents and injuries | Covered | Covered | Not included |
| New illnesses | Not included | Covered | Not included |
| Tests, surgery and hospital care | For covered accidents | For covered accidents and illnesses | Not included |
| Routine exams and vaccines | Not included | Not included | Yearly category limits |
| Home prescription medication | Not offered | Optional add-on where available | Not included |
| Plan limits | Set by Odie | Choose from available options | Per-category limits |
Office visit fees, take-home prescriptions and rehab are optional add-ons for accident and illness plans, where available. Your plan summary shows each one as included or not selected. See the medicines the take-home prescriptions add-on covers (opens in a new tab).
Waiting periods and exclusions apply. Pre-existing conditions are excluded. Plan availability and benefits depend on your pet, ZIP and plan.
Plan basics
Make sense of your plan
With accident and illness plans, you choose these three settings while reviewing your quote. Accident-only plans use limits set by Odie.
Change a setting and compare both your price and your share of the same example vet bill. Your printable plan summary keeps the total, your choices and the exclusions together.
Sample plan summary
Your pet's plan, in plain English.
- Monthly total
- Your live Odie price
- Your share of a $1,240 bill
- $498
- Reimbursement
- 80%
- Deductible
- $250
- Wellness Plan
- Separate from insurance
- Not covered
- Listed in plain words
Annual deductible
The amount you pay toward eligible vet bills each policy year. Once met, it does not apply again until your policy renews.
Reimbursement rate
The percentage used to calculate reimbursement for eligible bills. Your remaining deductible and annual limit also apply.
Annual limit
The most your plan will reimburse for covered care each policy year.
When your pet needs care
How reimbursement works
You pay the clinic, then submit your claim to Odie.
Visit your vet
Use any licensed vet in the U.S. and pay the clinic directly.
Submit your claim
Send your vet bill to Odie through its member portal.
Get reimbursed
For an eligible claim, Odie reimburses you based on your coverage, deductible and reimbursement rate.
With your membership
For the questions between vet visits.
Your Odie membership includes 24/7 vet chat and offers from pet brands.
24/7 vet chat
Chat with a licensed vet whenever a question comes up, day or night.
Odie Perks
Browse offers from pet brands in your Odie account.
Before you choose
Your questions, answered.
Browse pet insurance questions
Coverage & claims
What does accident and illness insurance cover?
It can help with eligible vet bills for accidents and new illnesses, including related tests, surgery and hospital care. Waiting periods, exclusions and annual limits apply. Home prescription medication is an optional add-on.
Are pre-existing conditions covered?
Pre-existing conditions are excluded. If your pet has an existing health issue, Odie may offer accident-only coverage. You can review the available plan and its exclusions with your quote.
Can I keep my current vet?
Yes. You can visit any licensed vet in the U.S. You pay the clinic directly, then submit a claim to Odie for eligible expenses.
How do I submit a claim?
After purchasing a policy, use Odie's member portal to submit your vet bill. Odie reviews the claim and reimburses eligible expenses according to your plan, deductible and reimbursement rate. For claim questions, email Odie at support@odieclaims.com.
Choosing your plan
Can I adjust my coverage before buying?
With accident and illness coverage, you can choose from the available annual limits, deductibles and reimbursement rates while reviewing your quote. Accident-only plans use limits set by Odie. Changes after purchase are subject to Odie's policy rules.
When does coverage begin?
Coverage begins at 12:01 a.m. local time on the day after enrollment. Please refer to your declaration page for the specific effective date of your policy. Waiting periods apply to some conditions. Review the injury, illness and cruciate dates shown with your quote and policy.
Is routine care included?
Routine care is not included in accident and illness insurance. Odie offers a separate Wellness Plan with yearly category limits for eligible exams, vaccines, dental care, prevention and selected products. It is not insurance. Buy it with insurance or on its own here. Each purchase has its own price and agreement.
Can I cancel if I change my mind?
Odie offers a 30-day free look period in all states except New York. You can request a full refund during that period if the policy conditions are met, including the claim restrictions. Check your policy for the exact terms and contact Odie to cancel.
Who provides the insurance?
Huklberry presents your quote and coverage options. Odie manages the policy, claims and member portal. Underwriting is provided by Trisura Insurance Company or Trisura Specialty Insurance Company, depending on the policy and state of issue. Huklberry does not underwrite or pay claims.
Read about underwritingWhat would coverage cost for your pet?
See your pet's price from Odie and review the coverage before you decide.