Pet Insurance Plans
Flexible plans that work for you and your wallet
Create a customizable plan that’s as unique as your pet to suit all their health needs. We believe in providing complete coverage for all dogs and cats, without breaking the bank.
What is pet insurance?
Life is expensive — and vet bills are no exception. When unexpected medical costs suddenly arise, pet owners can be left with a stack of bills that can be hard for any family to afford. Emergency procedures and treatments that don’t fit your budget can force owners to make a heart-wrenching decision between personal finances and their pet’s wellbeing.
That’s where pet insurance comes in, to help cover unexpected out-of-pocket expenses so you can focus on what matters most — your pet’s health.
What’s Covered?
Coverage for the things that make you go, “uh oh”.
Want a more detailed view? Take a look at a sample policy.
Covered
- Accidents or Injuries
- Illnesses
- Emergency Care
- Hereditary and Congenital Conditions
- Cancer Treatments
- Chronic Conditions
- Dental Disease
- Diagnostic Testing
- X-rays
- CT Scans
- Ultrasounds
- Surgeries
- Hospital Stays
Not Covered
- Pre-existing conditions
- Breeding or conditions related to
pregnancy - Spaying/Neutering
- Prescription food
- Vitamins/Supplements
- Elective or cosmetic procedures
- Alternative or holistic treatments
- Training or treatment for behavioural
conditions (some exclusions apply) - Preventative or routine care
How It Works
Unexpected illnesses and accidents are covered by all our plans, including emergency care, hospitalization diagnostic tests and medicine.
Pet Insurance Terms
All of this insurance jargon can get pretty confusing. We’re here to help explain the terms so you know exactly what you’re purchasing.
What is coinsurance?
Coinsurance is the amount you pay for your pet’s covered services after you’ve paid your annual deductible. The remaining balance is covered by the insurance company. This is often confused with a copay which is a flat fee you pay on the spot when you visit the doctor.
In this example, let’s say you’ve chosen a plan with a 90% insurance reimbursement. Your coinsurance would be 10%.
($1,500 Vet Bill x 10% Coinsurance) + $250 Annual Deductible = You Pay $400
With Odie, you can choose a 10%, 20% or 30% coinsurance plan. Your coinsurance percentage remains the same whether you visit your regular vet, a specialist or an emergency hospital.
What is a deductible?
What is coinsurance?
Coinsurance is the amount you pay for your pet’s covered services after you’ve paid your annual deductible. The remaining balance is covered by the insurance company. This is often confused with a copay which is a flat fee you pay on the spot when you visit the doctor.
In this example, let’s say you’ve chosen a plan with a 90% insurance reimbursement. Your coinsurance would be 10%.
($1,500 Vet Bill x 10% Coinsurance) + $250 Annual Deductible = You Pay $400
With Odie, you can choose a 10%, 20% or 30% coinsurance plan. Your coinsurance percentage remains the same whether you visit your regular vet, a specialist or an emergency hospital.
What is a deductible?
Summer
Golden Retriever, 6
New York, NY
Summer loves rolling in the grass, belly rubs, day trips to the beach and long hikes. She is not a fan of baths, the vacuum, or being ignored.
Luke
Westlake Village, CA
Luke is a creature of habit and prefers bedtime at 8pm. He kindly asks that you tuck him in under all of the covers but please don’t kiss his nose.
Winston
Goldendoodle, 4
Westlake Village, CA
Don’t let his tiny frame fool you. Winston is a guard dog to the bone! On his days off he enjoys riding shotgun & feeling the wind blow through his “floofy” hair.