Before you choose
Pet insurance questions, answered.
Understand coverage, costs and claims before you choose a plan for your dog or cat.
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 the companies behind your policyCheck the details for your policy
These answers are a general summary. Your quote and policy documents set out your coverage, exclusions, limits and effective dates. Availability depends on your pet, ZIP and plan.