Odie Pet Insurance Anmeldelser 

Avoid this Insurance company at all cost they are completely unresponsive to claims or update requests. They only thing they will ever respond to is issues with you paying your premium (go Figure). They made an arrangement with a previous insurance company Many Pet to gain their US customers and I can only describe this as fraud. Customers who were forced over from Many Pets had to accept the much worse policies forced on them or have any issue their pets had labeled pre-existing on another policy. Odie exploits this by completely ignoring claims from these customers as they have no other options so they will just keep taking money from them until they give up. I eagerly await the inevitable class action lawsuit against this company please do not insure your pet here as they have no future given their business practices

I haven't received payment for two separate claims submitted over a month ago. They simply sent an email saying: "We are currently experiencing a large influx of claim submissions which is causing a delay in our claim processing time." The funny thing is that they are not delaying any of the premium payment deductions from my bank acct.

my pets were insured with Many Pets and I had a great experience for three years. I was told that Many Pets merged or sold to Odie Pet Insurance. What a joke. I had to submit a claim and they keep giving bizarre excuses as to why they will not reimburse me. One excuse was that I had to send all my two pets medical records from the first day they were seen, so I did that. And then they were asking for previous records before they were even born. I truly do not know what to do now bc any other insurance company I would go to wouldnt cover any pre-existing conditions. So basically we all have been duped.

I’ve had the same experience as other who used ManyPets and was switched over to Odie. With ManyPets I had full coverage. I was told with the switch my coverage wouldn’t change. I’ve submitted the same claims for items always approved under ManyPets only to be denied by Odie due to “my policy doesn’t cover it”. Very dissatisfied with the forced switch. It’s virtually impossible to get in contact with them to get a second review or ask why anything was denied. Definitely not staying with Odie as they pay for nothing!

I deeply regret trusting Odie Pet Insurance with my dog’s coverage. After being transferred from ManyPets, I was assured in writing that I would “retain the exact same coverage,” including for ongoing conditions that had already been covered. But when I filed a claim for a new ear infection (not chronic or recurring), Odie denied it—claiming it was a “pre-existing condition.”

Here’s the truth:
My previous insurer confirmed in writing that this condition was not considered pre-existing and that Odie was made aware of that.

Odie then applied a previously undisclosed 18-month lookback period, which was never mentioned until AFTER they denied the claim.

I submitted a vet statement clearly explaining the ear issue was not chronic, not recurring, and was treated/resolved individually each time. It made no difference.

When I asked how the “independent veterinary review” was handled or what credentials the reviewer had, Odie refused to disclose anything. So much for “transparency.”

And yes, they never answer the phone. Not once. Every interaction is through slow, generic email replies.

Odie repeatedly uses vague language and blanket statements about “pre-existing conditions” to justify denials—even when there’s overwhelming documentation proving otherwise. It feels like they go out of their way to find loopholes and wear you down so you’ll stop fighting back.

If you’re considering this company, please read other reviews. My experience is not unique—there are hundreds of customers saying the exact same thing. Odie might look good on the surface, but once you need to use your policy, you’ll learn just how broken their system really is.

Odie does not have people who answer the phone. Emails are only answered if they involve my premium payments. I was switched from Many Pets-not sure I'll be sticking around with Odie. Might also talk to my credit card company about a refund for my monthly premiums as it appears I am paying for nothing.

If I could give Odie zero stars, I would! They do not care about the law at all. They've violated several Colorado laws on multiple claims I’ve submitted. They refuse to answer their phones, lie and claim they called when they didn’t, provide unreasonable and contradictory explanations, ignore the policy terms I originally had with ManyPets, and refuse to pay claims altogether.

I have had thousands of dollars in valid claims pending since May, and Odie will not process them according to state law or their own policy provisions. They argue with customers, are extremely rude, and when I’ve sent them citations of the exact laws they’re violating, they simply go silent and pretend they never saw the information.

They have not paid me a single penny on any claim, ever. They forced me onto their plan from ManyPets, promising to match my exact policy, yet they added restrictions such as maximum payout limits that ManyPets never had. They consistently misread Explanation of Benefits (EOBs) from my primary insurer, fail to understand basic insurance terminology, and refuse to answer the phone even when my primary insurer calls to clarify.

I have filed formal complaints with:
• Colorado Department of Insurance
• Better Business Bureau
• Consumer Financial Protection Bureau
• Colorado Attorney General
• Arizona Attorney General
• Arizona Department of Insurance and Financial Institutions

The laws they are breaking include, but are not limited to: Colorado’s Unfair Claims Settlement Practices Act, bad faith insurance conduct, and misrepresentation of policy provisions. This company should be investigated and sanctioned before more customers are harmed.

Complaining against Odie Pet Insurance for the unjustified denial of a valid claim for my dog, Tripp, and for failure to honor pre-existing condition coverage that had already been established and paid for under the previous insurance provider, ManyPets, which Odie acquired. My experience with them has been deeply frustrating and unfair. It appears Odie is attempting to rewrite policy terms after the acquisition and is refusing to honor valid, previously covered conditions by hiding behind automated denial processes and irrelevant requests. I believe Odie is acting in bad faith and is possibly violating New York State’s insurance laws regarding: - Continuity of coverage during insurer transitions - Unfair claims practices - Failure to acknowledge valid documentation and prior approvals.
In 2025, my dog Tripp experienced a flare-up of the same exact allergy symptoms. I submitted a new claim to Odie. In my submission, I included: - A vet bill from the current treatment - A vet bill from the 2023 incident, showing that the same condition was treated and covered under ManyPets Despite this, Odie denied the claim, labeling it as a “pre-existing condition.” I followed up with a detailed explanation, clearly stating that: - I am not denying that it is a pre-existing condition. - My position is that this pre-existing condition was already accepted and covered under the original ManyPets policy and therefore should continue to be covered by Odie. Odie responded with a form letter, requesting that my veterinarian provide a letter stating the current condition is unrelated to Tripp’s medical history — which contradicts the very basis of my appeal. I never claimed the condition was unrelated. I claimed it was related, and that the relationship had already been accepted and covered under my policy. Despite repeated clarifications, Odie continues to send the same form letter, ignoring the actual facts of the case. They have offered no individual consideration, escalation, or proper review.
This experience has been deeply frustrating and unfair. It appears Odie is attempting to rewrite policy terms after the acquisition and is refusing to honor valid, previously covered conditions by hiding behind automated denial processes and irrelevant requests. I believe Odie is acting in bad faith and is possibly violating New York State’s insurance laws regarding: - Continuity of coverage during insurer transitions - Unfair claims practices - Failure to acknowledge valid documentation and prior approvals
DO NOT USE THIS INSURANCE COMPANY!!!!

We were transferred over to Odie from ManyPets in Jan. And ever since then, it has been a nightmare working with Odie. The price doubled what we were paying with ManyPets and it isn't even the same services. Every claim we submit is delayed by WEEKS and we can barely get ahold of anyone for updates. Emails responses take 7-15 days for them to reply, and good luck getting an answer on the phone or a callback. They say delays are due to high volume of claims being submitted but I have had 3 other insurances for my dogs and NEVER experienced this. We would cancel if our dog did not have preexisting conditions that ManyPets said would be covered under Odie. Take your business elsewhere.

Unable to submit claims do to problems with their website. Nearly twice what we were paying with ManyPets. Email responses are backlogged 7-15 days.

I’ve been deeply disappointed with my experience using Odie Pet Insurance. What was promised as a quick and simple reimbursement process has turned into a drawn-out ordeal.

I have submitted multiple claims since May 2025 for over $3,000. Despite repeated follow-ups via email and phone, I have yet to receive reimbursement — or even meaningful communication. The claim portal offers minimal transparency, and customer service responses (when they arrive) are vague and unhelpful.

Reimbursement delays of **months** are unacceptable, especially when financial support is urgently needed for pet medical care. The lack of accountability, poor communication, and volume of similar complaints from other policyholders suggests a larger pattern of dysfunction.

I urge anyone considering this provider to research thoroughly and proceed with caution. My experience has been frustrating, time-consuming, and deeply disappointing.

I am canceling my policy and moving to another insurance provider.

ODIE: absolutely horrific and unethical service
I was transferred over from ManyPets, and assured that my dog's preexisting conditions (allergies) would be covered- both from ManyPets AND Odie, before I agreed to be transferred over. It's all in writing. Guess what - my dog's allergy treatments are NOT covered as promised. Also - horrific customer service. Nobody answers chat, nobody answers the phone. Emails take a week or more. I had claims for 6 weeks - still unresolved after weeks of followup. I filed a Wellness claim (for flea treatment). Outstanding as of weeks. I was also told that the minute you file a Wellness claim, you are on the hook for the remainder of the year's premium - even if you try to cancel. So I pulled the claim and cancelled the insurance. Now I'm $300 out for nothing. They will take your money regardless. Stay away. What a scam.

Stay away from this pet insurance!!! I was originally a ManyPets customer, but after Odie took over in early 2025, everything went downhill. Odie has made filing claims a nightmare. They asked me not only for all my dog's medical records, but also for years of invoices and receipts, which are not relevant to verifying medical history. It feels like a tactic to delay or avoid paying out claims. Calling their support number is useless, you only get a recorded message saying they're experiencing high volume calls. No one ever called back. But they kept charging me premiums on time every month while giving zero and reimbursement. There is no transparency, no accountability, and it doesn't feel like anyone there cares about your pet or your claim. They only know how to charge your money. I truly regret staying with Odie. It feels like a scam rather than a service. Save yourself the stress and look elsewhere for real pet insurance.

Repeatedly delaying all claims reimbursements for as long as humanly possible. Denying claims as ineligible for no legitimate reason. Broken claims portal, further delaying submission of claims, which I do not believe is unintentional! I was unable to update payment method on the website. Zero response for weeks at a time from customer service, something that should be considered fraud. I've left multiple voicemails, sent multiple emails, and never receive a single response from their useless chat feature on their poorly managed website. The first and only 2 claims they have paid since Feb. 2025 took 3 months to receive payment on. These were both simple, straightforward wellness claims. I had to supply them with all of my pets medical records, since Odie falsely claimed ManyPets did not provide those when they aquired my policy. Yet another stalling tactic to delay processing of any claims. Clearly, this company is here to take your money and pay out as little as possible or nothing at all. They are quick to deny, immediately process any claim that can be 'applied to the deductible', YET they will drag out reimbursement for totally documented, evidence supported, legitimate claims for months on end. I cannot even count the times I've repeatedly reached out to them and never gotten a response.
DO NOT WASTE YOUR MONEY.THEY WILL NOT PAY OUT WHAT THEY OWE IN A TIMELY MANNER, IF EVER. THE ABSOLUTE WORST EXCUSE FOR CUSTOMER SERVICE. If there were zero stars, that is just what they'd get. Odie Pet Insurance is a SCAM.

In response to the previous comment. They just refunded both of my monthly charges.

Keep charging me despite I clearly stated I would like to cancel the policies and get past month refund as I did not agree to that steep rise. No response now and keep charging despite I requested cancellation.

Their trying to avoide paying the claim.

After personal experience regarding unpaid claims, delays and no response I would say avoid the company! If you have their coverage, switch immediately! I have very little faith that my claims will be paid and I’m canceling coverage with Odie and switching to Embrace

If I could give a zero I would. Like many of the previous reviews we were transferred to Odie from Many Pets and been having a terrible time. I have 6 claims going back to April and nothing paid! I tried to call but goes into voicemail and no one ever calls back. I email them and they say they are busy but not too busy to take our premiums! This was supposed to be a seamless transition and we were to be grandfathered into the same program. We will be calling Many Pets as well. If nothing is resolved we will need to take additional steps.

The worst experience. Rollover from ManyPets. Premium doubled and my claim was denied of course as a preexisting condition. I have wellness insurance as well and all the shots and Drs visit were also denied. I brought my dog in for limping but also had the yearly things done, shots, fecal etc to actually save a few bucks since we were there. X rays showed arthritis as well as issues that were from a previous surgery that I know they would not cover, but I do not think arthritis is preexisting! It is a new development. Also the time frames for a response is way too long. Yet the premium of $106 is grabbed very quickly when due. What a bunch of dishonest people. I had referred at least 5 people to ManyPets and now they all are stuck with Odie and all will cancel.