Their trying to avoide paying the claim.

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.

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.

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.

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. 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. They will take your money regardless. Stay away. What a scam.

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.

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.

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.

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.

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.