Licensing & Disclosures
Odie works with licensed insurance carriers to offer pet insurance and wellness plan options to partners and their customers. Coverage availability, underwriting carrier, policy terms, waiting periods, reimbursement, and cancellation rules may vary by state, carrier, and policy.
The information below provides general company, licensing, coverage availability, and policy disclosure details. Customers should always refer to their individual policy documents for the full terms and conditions that apply to their coverage.
Company & Licensing Information
Scottsdale, AZ 85254
Auto-Renewal & Cancellation Disclosure
Policies automatically renew annually unless canceled by the policyholder or insurer. Policyholders may cancel at any time by contacting us at support@odiepetinsurance.com. Cancellation terms, including refunds, are subject to state regulations and policy conditions.
Underwriting Carriers & Coverage Availability
Odie Pet Insurance partners with multiple insurance carriers. The availability of coverage varies by state.
| Carrier or Plan | Coverage Availability |
|---|---|
| Trisura Insurance Company | Available in all states besides Maine. |
| Trisura Specialty Insurance Company | Available in Maine only. |
| Accredited Surety & Casualty | Available nationwide except Idaho and Minnesota. |
| Wellness Plans | Underwritten by Odie Pet Insurance and available nationwide. |
Note: Coverage availability is subject to state regulatory approvals and may change. Please refer to your policy documents for full details.
Claims, Conditions & Waiting Periods
Claims & Reimbursement Disclosure
Reimbursement amounts are subject to policy terms, selected deductibles, co-insurance, and benefit limits. The timeframe for submitting claims varies by policy and is specified in your policy contract. Submitting a claim does not guarantee reimbursement. Please refer to your policy documents for claim filing deadlines and specific terms.
Pre-existing Condition Disclosure
Pre-existing conditions are not covered under any Odie policy. A pre-existing condition is any injury, illness, or condition that showed signs or symptoms before coverage started or during the waiting periods. Odie does not cover any condition that existed prior to the policy’s effective date.
Waiting Period Disclosure
Waiting periods apply before coverage takes effect and vary by policy, carrier, and state regulations. Waiting periods may be different for accidents, illnesses, cruciate ligament events, and optional add-ons. State laws may impact waiting periods, and they are subject to change. Please refer to your policy documents for the specific waiting periods that apply to your coverage.