As another customer who recently posted this month, I too liked Many Pets before they got bought out by Odie. Similarly, I've had to advocate and prove myself HARD for claims they've denied. The policies are confusing, they take FOREVER to reply to email and even longer to pay claims, which they like to deny. For example, my pup was recently diagnosed with cancer and was given a treatment plan. First, all the bloodwork and tests that led up to his diagnosis resulted in Odie claiming that the results were "behavioral" where I had to resubmit multiple explanations, receipts, and medical histories of my dog over a span for 4 months. They still have yet to approve it. Second, the treatment medication given to my dog with cancer was denied because, again, it was deemed as "behavioral." I sent a long email appealing to the support team how it was not behavioral. They literally responded back 1 month later telling me I need to fill out an appeals form (which isn't conveniently located on their website). They then make you get a doctor's note, medical history, explanation and other burdensom documents wearing you down as a client. I still have yet to hear back from them and it's been several weeks. Third, my dog also has a heart murmur and I've submitted his medications and was paid back relatively quickly (maybe within 2 weeks?) But recently, I submitted the same medication receipt (that also had his cancer medication as well) and have not been paid after 1 month. My fear is that they're going to reject it for some stupid reason. For the submission of his cancer medication receipt, they claimed that the invoice was "too blurry" and when I checked, it was CLEAR as day. Again, this is the SAME receipt for his heart medication. I'm on the phone now with their representative and laid out how deeply problematic this situation was. He apologized and said that the invoice was NOT blurry and is sending it to their support team to be reviewed again. I wish I could leave as a customer but unfortunately my dog cannot be accepted by other insurance agencies because of his pre-existing conditions so now I'm stuck with this hell hole. Honestly, I might not even be a client after this experience. THEY ARE THE WORST. Do not give them your money. They will DELAY or DENY you and rely on your exhaustion!
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Odie Insurance is a pet health insurance program administered by Thorson Specialty Insurance Services, Inc. and underwritten by PrimeOne Insurance Company.