Add-on and provider vary by state
Power Up Your Furry Friend's Insurance
Check out cool extras to level up your pet's insurance. Get the lowdown on how you can make their coverage even more awesome!
Add-on coverage bundles
This overview is for new customers. New policies are powered by in . If you're already a cardmember, your add-on may be through a different provider, so sign in to confirm.
Prescription Care
Adds coverage for eligible prescription drugs and prescribed supplements.
- Prescriptions
Enhanced Care
Most PopularProvides comprehensive prescription and illness protection.
- Prescriptions
- Illness coverage
Complete Care
Adds illness, prescription and wellness coverage.
- Prescriptions
- Illness coverage
- Preventive & wellness care
Prescription Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Enhanced Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Illness policy coverage
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Diagnostics
Such as physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, ultrasounds, and behavioral exams.
Procedures
Required outpatient, specialty and emergency care required hospitalization, post procedure in hospital care, prosthetic limbs, devices and mobility aids. Vet exam fees including emergency room fees, cancer treatments and surgery.
Medications and medical supplies
Injections and prescription medications, supplies required to perform medical procedures and other medically necessary supplies.
Other Coverages
Medically necessary endodontic treatment for dental Injuries or Illnesses, euthanasia where deemed necessary for humane reasons and cremation costs.
Repeating or Chronic Conditions
Such as cancer, heart disease, diabetes, arthritis, and skin conditions.
Genetic or Hereditary Conditions
Such as elbow and hip dysplasia, hernias, and blood and eye disorders.
For a complete list of coverages and exclusions, view a sample policy click here.
Complete Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Illness policy coverage
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Diagnostics
Such as physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, ultrasounds, and behavioral exams.
Procedures
Required outpatient, specialty and emergency care required hospitalization, post procedure in hospital care, prosthetic limbs, devices and mobility aids. Vet exam fees including emergency room fees, cancer treatments and surgery.
Medications and medical supplies
Injections and prescription medications, supplies required to perform medical procedures and other medically necessary supplies.
Other Coverages
Medically necessary endodontic treatment for dental Injuries or Illnesses, euthanasia where deemed necessary for humane reasons and cremation costs.
Repeating or Chronic Conditions
Such as cancer, heart disease, diabetes, arthritis, and skin conditions.
Genetic or Hereditary Conditions
Such as elbow and hip dysplasia, hernias, and blood and eye disorders.
For a complete list of coverages and exclusions, view a sample policy click here.
Preventive & Wellness
We help with the cost of your pet's preventive testing and care. Covered wellness claim plan limits are adjusted based on your base policy's reimbursement percentage.
View Sample Wellness Plan80% Plan limits
- Wellness exam (1) $50
- Heartworm test (1) $40
- Vaccines (3) $75
- Fecal or parasite exam (1) $35
- Bloodwork (1) $65
- Heartworm / Flea / Tick $65
- Routine dental care $150
90% Plan limits
- Wellness exam (1) $60
- Heartworm test (1) $50
- Vaccines (3) $90
- Fecal or parasite exam (1) $45
- Bloodwork (1) $80
- Heartworm / Flea / Tick $80
- Routine hygiene services $150
Bundles with illness coverage are not available for pets over 14.
Add-on coverage bundles
This overview is for new customers. New policies are powered by in . If you're already a cardmember, your add-on may be through a different provider, so sign in to confirm.
Prescription Care
Adds coverage for eligible prescription drugs and prescribed supplements.
- Prescriptions
Enhanced Care
Most PopularProvides comprehensive prescription and illness protection.
- Prescriptions
- Illness coverage
Early years care
Adds illness, prescription and wellness coverage for pets under 3 years old.
- Prescriptions
- Illness coverage
- Puppy/Kitten preventive & wellness care
Complete Care
Adds illness, prescription and wellness coverage.
- Prescriptions
- Illness coverage
- Preventive & wellness care
Prescription Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Enhanced Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Illness policy coverage
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Diagnostics, Medications and medical supplies
Physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, ultrasounds and other Medically Necessary diagnostic tests. Injections, Prescription Medications, and medical supplies required to perform covered medical procedures.
Procedures
Outpatient, specialty and emergency care, hospitalization, post Procedure in-hospital care, prosthetic limbs, devices and mobility aids, Veterinarian exam fees, cancer treatments and surgery.
Chronic, Genetic, or congenital conditions
Limited to cancer, heart disease, diabetes, arthritis, skin Conditions, elbow and hip dysplasia, hernias, blood and eye disorders, Congenital Infections, Birth Trauma and birth defects.
Dental
Endodontic treatment for dental Injuries or Illnesses (Up to $1,000).
Holistic Medicine and Alternative Therapies
Holistic medical treatments and alternative therapy treatments if performed by a licensed veterinarian.
Pregnancy
Illnesses including emergency c-sections occurring during pregnancy where treatment is deemed medically necessary by a Veterinarian.
Behavioral Treatment
Treatment for behavioral problems performed by a licensed veterinarian or with a written referral by a licensed veterinarian.
Hospital Boarding And Lost or Stolen Pets
Boarding costs if You are hospitalized for longer than forty-eight (48) hours. Reward or advertising the loss of Your Pet (Up to $500).
Prescription Pet Food & Supplements
Food & Supplements to treat a covered Illness when prescribed by a licensed veterinarian.
End of life
Euthanasia and cremation costs (Up to $1,000).
For a complete list of coverages and exclusions, view a sample policy click here.
Early years care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Illness policy coverage
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Diagnostics, Medications and medical supplies
Physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, ultrasounds and other Medically Necessary diagnostic tests. Injections, Prescription Medications, and medical supplies required to perform covered medical procedures.
Procedures
Outpatient, specialty and emergency care, hospitalization, post Procedure in-hospital care, prosthetic limbs, devices and mobility aids, Veterinarian exam fees, cancer treatments and surgery.
Chronic, Genetic, or congenital conditions
Limited to cancer, heart disease, diabetes, arthritis, skin Conditions, elbow and hip dysplasia, hernias, blood and eye disorders, Congenital Infections, Birth Trauma and birth defects.
Dental
Endodontic treatment for dental Injuries or Illnesses (Up to $1,000).
Holistic Medicine and Alternative Therapies
Holistic medical treatments and alternative therapy treatments if performed by a licensed veterinarian.
Pregnancy
Illnesses including emergency c-sections occurring during pregnancy where treatment is deemed medically necessary by a Veterinarian.
Behavioral Treatment
Treatment for behavioral problems performed by a licensed veterinarian or with a written referral by a licensed veterinarian.
Hospital Boarding And Lost or Stolen Pets
Boarding costs if You are hospitalized for longer than forty-eight (48) hours. Reward or advertising the loss of Your Pet (Up to $500).
Prescription Pet Food & Supplements
Food & Supplements to treat a covered Illness when prescribed by a licensed veterinarian.
End of life
Euthanasia and cremation costs (Up to $1,000).
For a complete list of coverages and exclusions, view a sample policy click here.
Puppy or Kitten care preventive & wellness
We help with the cost of your pet's preventive testing and care. Covered wellness claim plan limits are adjusted based on your base policy's reimbursement percentage.
View Sample Wellness Plan80% Plan limits
- Wellness exam (1) $100
- Heartworm test (1) $40
- Vaccines (3) $150
- Fecal or parasite exam (1) $70
- Bloodwork (1) $65
- Heartworm / Flea / Tick $120
- Spay / Neuter (1) $40
- Deworming (1) $65
- Microchip $35
90% Plan limits
- Wellness exam (1) $120
- Heartworm test (1) $50
- Vaccines (3) $180
- Fecal or parasite exam (1) $90
- Bloodwork (1) $80
- Heartworm / Flea / Tick $150
- Spay / Neuter (1) $50
- Deworming (1) $80
- Microchip $35
Complete Care bundle details
Prescriptions
Any prescription, supplement, remedy prescribed by a veterinarian to treat a covered condition or illness. This does not include prescription food, preventative medication or prescribed medication to treat Behavioral Conditions.
For a list of coverages and exclusions, view a sample of the prescription endorsement.
Illness policy coverage
Illnesses
Such as infections and symptoms of sickness like vomiting or diarrhea.
Diagnostics, Medications and medical supplies
Physical examinations, blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, ultrasounds and other Medically Necessary diagnostic tests. Injections, Prescription Medications, and medical supplies required to perform covered medical procedures.
Procedures
Outpatient, specialty and emergency care, hospitalization, post Procedure in-hospital care, prosthetic limbs, devices and mobility aids, Veterinarian exam fees, cancer treatments and surgery.
Chronic, Genetic, or congenital conditions
Limited to cancer, heart disease, diabetes, arthritis, skin Conditions, elbow and hip dysplasia, hernias, blood and eye disorders, Congenital Infections, Birth Trauma and birth defects.
Dental
Endodontic treatment for dental Injuries or Illnesses (Up to $1,000).
Holistic Medicine and Alternative Therapies
Holistic medical treatments and alternative therapy treatments if performed by a licensed veterinarian.
Pregnancy
Illnesses including emergency c-sections occurring during pregnancy where treatment is deemed medically necessary by a Veterinarian.
Behavioral Treatment
Treatment for behavioral problems performed by a licensed veterinarian or with a written referral by a licensed veterinarian.
Hospital Boarding And Lost or Stolen Pets
Boarding costs if You are hospitalized for longer than forty-eight (48) hours. Reward or advertising the loss of Your Pet (Up to $500).
Prescription Pet Food & Supplements
Food & Supplements to treat a covered Illness when prescribed by a licensed veterinarian.
End of life
Euthanasia and cremation costs (Up to $1,000).
For a complete list of coverages and exclusions, view a sample policy click here.
Preventive & Wellness
We help with the cost of your pet's preventive testing and care. Covered wellness claim plan limits are adjusted based on your base policy's reimbursement percentage.
View Sample Wellness Plan80% Plan limits
- Wellness exam (1) $50
- Heartworm test (1) $40
- Vaccines (3) $75
- Fecal or parasite exam (1) $35
- Bloodwork (1) $65
- Heartworm / Flea / Tick $65
- Deworming (1) $35
- Routine hygiene services $150
90% Plan limits
- Wellness exam (1) $60
- Heartworm test (1) $50
- Vaccines (3) $90
- Fecal or parasite exam (1) $45
- Bloodwork (1) $80
- Heartworm / Flea / Tick $80
- Deworming (1) $35
- Routine hygiene services $150
Bundles with illness coverage are not available for pets over 14.
Add-on availability for Odie policies depends on your original plan. Sign in to confirm what you can add.
Vaccination endorsement
Provides reimbursement up to a $100 annual limit per policy term for eligible vaccinations when administered by a licensed veterinarian.
Exam fee package
Coverage for examinations that don't lead to an accident or illness diagnosis.
Holistic and alternative treatment package
Alternative treatments when prescribed by a veterinarian.
Our policy coverage was recently updated. Coverage details may differ from policies issued before April 21, 2026. If you are a already a cardmember, please sign in for your coverage.
Vaccination endorsement
Provides reimbursement up to a $100 annual limit per policy term for eligible vaccinations for dogs and cats when administered by a licensed veterinarian. Eligible vaccinations are defined in the policy. Coverage is subject to reimbursement percentage and any applicable frequency limitations described in the policy.
Boarding, holiday cancellation and lost pet advertising package
Power ups coverage for non-medical emergency pet expenditures such as boarding when a pet parent has a personal medical emergency, an advertising and reward benefit if a pet goes missing, and reimbursement for lost deposits on pet services due to an emergency trip cancellation.
Exam fee package
Ideal for pet parents who want more expert reassurance, especially in their first year of pet ownership. This power up provides coverage for examinations that don't lead to an accident or illness diagnosis.
Holistic and alternative treatment package
Power ups coverage to include alternative treatments when prescribed by a veterinarian: Acupuncture, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, Physical therapy, and Rehabilitative therapy.
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What else can I customize?
Customize your pet's reimbursement rate and deductible at an extra cost to you for personalized coverage.
Reimbursement rate
The percentage of reimbursement paid after your deductible is met each year.
Annual deductible
The amount you pay out of pocket before your insurance plan starts to pay. Only applied once per year.
Annual limit
The maximum dollar amount that we will reimburse you each year. There are no lifetime limits.
What else can I customize?
Customize your pet's reimbursement rate and deductible at an extra cost to you for personalized coverage.
Reimbursement rate
The percentage of reimbursement paid after your deductible is met each year.
Annual deductible
The amount you pay out of pocket before your insurance plan starts to pay. Only applied once per year.
Annual limit
The maximum dollar amount that we will reimburse you each year. There are no lifetime limits.
Confirm your Odie plan
Existing cardmembers should sign in to see reimbursement, deductible, and limit options on file with Odie.
Reimbursement Rate
Your Odie policy reimbursement rate is listed in your policy documents.
Annual Deductible
Your deductible is listed in your policy documents.
Annual Limit
Your annual limit is listed in your policy documents.
What else can I customize?
Customize your pet's reimbursement rate and deductible at an extra cost to you for personalized coverage.
Reimbursement Rate
Boosts your coverage of eligible vet bills. We apply this rate after subtracting your deductible. The base rate is 70%, but you can also choose an 80% or 90% reimbursement rate option.
Annual Deductible
A deductible is the amount paid before the reimbursement rate begins. The base plan is set at $950 but you can also pick as low as $100.
Annual Limit
We’ve maxed out the annual limit in the included base plan for you at $20,000. This is the maximum dollar amount you can be reimbursed you each year. There are no lifetime limits.