Odie Pet Insurance Avis 

I strongly regret using Odie Pet Insurance. Unfortunately, my experience has been just as bad as many of the reviews you’ll find online—it genuinely feels like a complete scam.

I submitted a claim on 2/19 and, since then, have received four separate “update” emails that are clearly automated and provide absolutely no meaningful information. There has been zero real progress or communication regarding my claim, which is incredibly frustrating when you’re relying on timely support for your pet’s care.

At this point, I have no confidence in their service or claims process. I would never recommend Odie to anyone looking for reliable pet insurance.

I was one of the customers who got transferred to Odie from ManyPets. I decided to continue with them (with lower coverage and higher premiums) because the new policy with Odie was meant to cover what was covered under my ManyPets policy. Of course, I don't find out Odie considers my dog's heart condition to be pre-existing (when it was covered by ManyPets for years) until after I submit a claim to them and they deny it. I paid for months of premiums for something that did not cover what I was made to believe it did. They refused to refund me for past premiums on the basis that the coverage was misrepresented to me when I signed up. Had I known the new policy would not continue to cover my dog's heart condition, there would be no way for me to justify paying increased premiums. My premiums were raised at ManyPets year by year because of this condition.

The technicality they got me on was that based on the agreement they have the right to make determinations (separate from what ManyPets had determined previously) regarding the pre-existing condition status of an illness or disease. Of course, this is not done on transfer to the new company, so that it is clear what you are paying for, and if the "same coverage" functionally differs from your previous policy. Instead, it is done after months of paying premiums, when you request to be paid out for claims that have been approved for your dog for years.

How is a potential policyholder supposed to know the new company will make a different conclusion regarding a pre-existing condition status? Especially when this arrangement was set up to allow ManyPets policyholders a means to retain their same coverage? The entire agreement was pitched to us on the premise that this would ensure we would receive coverage for conditions covered under ManyPets.

I read and understood the fine print in the agreement before signing and agreeing to transfer. What I failed to understand is how motivated this company is to screw over customers by purposely obscuring the coverage they will receive.

Probably the worst pet insurance in the world. I used to have ManyPets and from that loved them- they automatically merged with Oldie Pet Insurance and from there my monthly rate skyrocketed and the claim process time takes up to 4 months just to process ONE CLAIM. It is not worth the money at all. You are paying so much out of pocket PLUS the monthly insurance and it's better to just pay the out of pocket cost.

Odie fails to honor its claims and overcharges for its services. Its response times are in excess of what can be considered reasonable by any standard. Odie is an unacceptable provider doomed to go out of business.

Find somewhere else.

If I could give zero stars I would.

This company took over 5 months to process a SIMPLE claim from a routine visit, and never replied to my emails. COMPLETE waste of money. Then they denied my claim, probably knowing I wouldn't waste my time trying to contest. DON'T USE THEM.

Absolutely terrible. 3.5 months to finally get around to denying my claim for medication that was always approved before. Run, don’t walk. They are absolute criminals.

I would give zero stars were that an option. We got switched to Odie after they assumed clients from ManyPets. We didn't switch to a new company because my dog has a lot of health issues, all of which would be considered pre-existing under a new policy. We were assured by Odie that our coverage would continue "uninterrupted." However, they erroneously decided that some of her health issues were pre-existing, despite them being covered by ManyPets. They also erroneously covered some claims and denied the same claims later as pre-existing (they covered my dogs inhaler one month, them denied it the next as pre-existing; how can it be pre-existing if they already previously covered it??) My husband's name was on the policy, and one day, after submitting numerous claims and having them processed, Odie decided that his name had to be on the veterinary invoices (I am the one who takes the dogs to the vet due to my more flexible schedule). Realizing they would no longer cover my claims due to my name being on the invoices, we asked Odie via email to switch our policy to my name. Days later I received an email that our policies for both dogs were canceled. I immediately emailed them (because you can't reach a person via phone), and demanded they explain why my policy was canceled. Days later, got another email that our new policy would start on Feb whatever date. I emailed again demanding an answer about coverage and if our previously covered conditions were now going to be pre-existing. Finally, more days later, I got an email from a person apologizing for the confusion; that in order to put my name on the policy they have to cancel and restart. She assured me my pre-existing conditions would carry over (yet to be determined) but our deductible would restart. NONE of that was explained PRIOR to them taking action; thank goodness we asked for my name to be put on the policy at the beginning of the year! So overall, communication with this company is the worst I've seen: absolutely non-existent. You can't ever reach a live agent for help,(believe me, I've tried numerous times, leaving voicemails repeatedly without response). They take action on client policy without permission, and are inconsistent on what is pre-existing or not, even within their own policy. They also take an egregiously long time to communicate via email, if they even deign to respond at all; I still have email inquiries that have gone unanswered from last year.

Odie is by far one of the most corrupt companies i've ever seen. They require the pet owner to do all the legwork in obtaining records. They literally refuse to pick up a phone and speak. They hide behind keyboards, take MONTHS to process things and make up rules and regulations as they go. There is no shock their CEO failed working for others and decided owning his own business was the way to go!

They take forever to respond to claims. Customer service is terrible. Total scam. Don't buy. I got stuck with them when they bought out my previous pet insurance carrier (that I was very happy with).

We were happy customers with ManyPets for years, but they got bought out by Odie and it has been a terrible experience from day 1. When our plan was taken over by Odie, we were told we would be grandfathered in for claims made under ManyPets so that claims going forward that were covered by ManyPets would not be considered pre-existing conditions. What a joke. I would give Odie 0 stars if I could.

They have dragged our first 2 claims for emergency visits for an injury incurred in December 2026 out for months (it is now March with no resolution), asking for documentation I have already submitted multiple times. I have left 3 voicemails and multiple emails and the only response was an autoreply telling me they can't process our claims without records from BEFORE WE ADOPTED THE DOG in 2021. Their auto-reply emails say they return calls within 2-4 business days and emails within 5 business days. This is a total lie. They have no problem taking our premiums every month, but can't process our claims in a timely manner.

Hate this insurance. ManyPets sold to this company and they are unresponsive. I've called 5 times, emailed even more, and I have never received a response! SO disappointed that Many Pets sold out to this shitty company.

Would give it 0,!! Was transfer from ManyPets to these people! There ridiculous rules of 18mo prior to ManyPets rules is horrible my senior cat had over $6000 for claims over years from 22 with ManyPets! Was going to cancel but then they convinced me to stay because i have a 16yr cat with stable KD ! They went back to early 2021 looking for were he started getting elevated Bun and keratin! Now 743.00 later they denied me after stealing 98.00 month for past 12mon I will be cancel them because everything my cat had been seen for is going to be preexisting condition! So I will take the 100a month
And put it in savings!How do
I get a class
Action law suit started

We had nationwide pet insurance on our last dog. No issues very timely claims paid. When we got our new dog I shopped and went with many pets and they were easy to work with paid claims timely no issues. Now odie has merged with many pets so the it's been horrible. Made a claim for a normal well visit with shots and the heartworm test and heartworm medication. Sent in the claim and got crickets no response. So called and spoke with someone they are now requesting all the vet info from before we adopted her. We found the records from where we adopted her from the rescue when she was 7mos old. Still no action on the claim so called again they said they needed more information from the rescue and they would call them. We asked to speak to a supervisor on 2 separate calls was told they were not available and would call us back and never did. We have filed a complaint with the attorney general. Do not get insurance with this company!!!

Would give zero stars if possible! We have been trying to get a claim processed since December, with no response. We now have a second claim as well and have no confidence that that will be processed either. Planning to take this to small claims court.

SHAME ON ODIE!!! This is the most DELIBERATELY UNRESPONSIVE, DISMISSIVE, UNTRUSTWORTHY, UNCARING, and then and then company I have EVER dealt with. I was a long time, well pleased customer of ManyPets then they were bought out by Odie. ODIOUS ODIE has many CAPTIVE CUSTOMERS because obviously if we switch we will have major precondition issues. I believe a CLASS ACTION LAWSUIT is very much in order!!! What Odie is doing is HIGHWAY ROBBERY!!! I am an ordained minister, and I've seen a lot, but I am utterly shocked with their LACK OF ETHICS. They are asking for a date of this experience, and its one of their many BUILT IN TRICKERIES!!! SHEESH!!! Its from the time they took over until now!!! I pray that a reputable company will take over Odie soon and very soon!!! SHAME ON ODIE!!! SHAME SHAME SHAME!!! SHAME ON ODIOUIS ODIE!!!

I would give ZERO stars if I could. This is the WORST company ever! Only time I was able to get in touch with them was when I told them I was finally getting my lawyer involved! I put in a claim in November...it's now February and they are STILL giving me the run around! They kept me on hold for over TWO & A HALF HOURS (I have a screenshot to prove it) and they still didn't answer...I had to hang up! It was like going in circles with them...they needed medical records, I uploaded them, they then said they needed medical records from a date my cat wasn't even born!! They then said I needed more records, I told them I spoke to my vet and those were the complete medical records! They had no problem taking my payment out for two cats during this time! I am currently on hold with them again right now as I write this.

I would give zero stars if I could. Got transitioned to this worst insurance company from ManyPets. No one answers the phone, no response to emails. They keep asking for documentation when you file a claim, submitted one in Nov, until now no response, they keep sending the same email message stating they are swamped and so the delay, but nothing happens. I did not choose this as a former ManyPets customer. Honestly I’ve called 100+ times leaving my info and haven’t gotten one call back. This is absolutely a scam.

My policy was transferred to Odie from ManyPet last year. My cat Cooper was found spinal tumor, went through surgery and euthanasia in Dec 25. This is my first and only experience with Odie. I submitted my claims in Early Jan. I have sent multiple follow-ups but have received no response or status update. I am posting here to request contact and confirmation of my claim status.

I was a customer transitioned from ManyPets in December. Communication with Odie has been absolutely horrible, with no acknowledgement of emails or documents received regarding appeals or claims. I have only been able to receive information when I call, and then the reps are helpful, but even an auto reply “we received your email” would be helpful. I have switched to Lemonade because I have been so completely underwhelmed by them.

I wish I could give zero stars. This company has been the bane of my existence since my accounts were transferred over from Manypets. Odie argued that a 8 inch spinal lipoma was linked to my cat's dental disease. My vet had to write letters to argue otherwise. Now, as of 2/5/26, Odie has TERMINATED ALL 5 of my cat's accounts, stating "per your request". LIES LIES LIES I NEVER requested for my accounts to be terminated. My monthly bills with them are fully paid up as of the end of January, so I am current with my payment. They still need to transfer a reimbursement into my bank account and process two claims from a month ago. SCAM SCAM SCAM .... I am still waiting for an answer to a simple question that I emailed twice over a month ago. They don't answer the phone and they don't respond to emails. This company needs to go