We were transitioned from ManyPet insurance coverage for our dog to ODIE last August. Since that time we have had all three of our claims denied. One claim was for standard wellness care and checkup. The latest, and more significant, was for knee surgery to repair a damaged ligament. With the latest claim the fraud they are running became crystal clear. ODIE sends a link to your policy coverages. Not an attachment and nothing in print. You submit a claim based on that stated coverage. They kick the can several weeks with excuses about "higher than normal volume" and "your submitted invoice is blurry", etc to draw out the acceptance process. In the mean time, they edit your policy coverage to include language that specifically excludes the items in your claim. Once your policy is updated they deny your claim and reference the policy (via link). It was very clear in our case - the language was way too specific to our dogs situation. We read our policy (prior to the claims) and knew we should be covered. Then reading the linked only policy suddenly there is very specific, plain language that excludes the very thing we submitted the claim for. Wish we had screen captured (downloaded? not sure that was an option) our policy prior to the claim, then at least we'd have hard evidence for a lawsuit. We will submit a criminal complaint for fraud with the local Scottsdale PD. Avoid this company!
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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.