Odie Notices to State Residents

Last Updated: October 14, 2026

Some states require pet insurers to give residents a summary of important policy provisions before they buy. These are the notices for the Odie Pet Insurance policies you can buy through our quote tool, underwritten by Trisura Insurance Company or Trisura Specialty Insurance Company, for each state where WhiskerCover LLC is licensed that has one. Your policy documents set out the complete terms, and if anything here differs from your policy, the policy governs.

Notice to California Residents

CALIFORNIA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

  • You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
  • You are not required to provide a reason for cancellation.
  • You may notify us that you want to cancel by calling, emailing, or writing to us.
  • We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
  • If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

  • Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
  • Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
  • Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

  • Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:
    1. A veterinarian provided medical advice regarding the condition.
    2. Your pet received previous treatment for the condition.
    3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
    4. A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.
  • Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
  • Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
  • Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

  • Accidents or injuries resulting from an unexpected event do not have a waiting period.
  • For policies underwritten by Trisura Insurance Company, a 14-day waiting period applies to illnesses.
  • A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
  • Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
  • If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

  • Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
  • Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

  1. A comprehensive exam for your pet by a veterinarian.
  2. Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
  3. Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

  • Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
  • You must submit a claim form within 180 days of treatment, including:
    1. Your name
    2. A description of your pet
    3. Your policy number
    4. A description of the claimed illness or injury

Policy Cancellation

  • You may cancel this policy at any time by calling, emailing, or writing to us.
  • The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
  • We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
  • If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

California Department of Insurance
Address: 300 Capitol Mall, Suite 1700, Sacramento, CA 95814
Website: www.insurance.ca.gov
Phone: (800) 927-4357

WhiskerCover contact information

WhiskerCover LLC, doing business in California as WhiskerCoverage Insurance Agency (CA Insurance License # 6020319)
Address: 1065 SW 8th St, #1235, Miami, FL 33130
Email: support@whiskercover.com
Website: www.whiskercover.com

Notice to Maryland Residents

MARYLAND INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

  • If you notify us within the first 30 days from the effective date as shown on your declarations page that you wish to cancel this policy, and you have not submitted any claim against this policy, we will refund the entire premium.
  • You may notify us that you want to cancel by calling, emailing, or writing to us.
  • We will refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund will be sent directly to the person who paid it. The policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

  • Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
  • Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
  • Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

  • Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:
    1. A veterinarian provided medical advice regarding the condition.
    2. Your pet received previous treatment for the condition.
    3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
    4. A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.
  • Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
  • Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
  • Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

  • Accidents or injuries resulting from an unexpected event do not have a waiting period.
  • For policies underwritten by Trisura Insurance Company, a 14-day waiting period applies to illnesses.
  • A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
  • Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
  • If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

  • Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
  • Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

  1. A comprehensive exam for your pet by a veterinarian.
  2. Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
  3. Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

  • Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
  • You must submit a claim form within 180 days of treatment, including:
    1. Your name
    2. A description of your pet
    3. Your policy number
    4. A description of the claimed illness or injury

Policy Cancellation

  • You may cancel this policy at any time by calling, emailing, or writing to us.
  • The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
  • We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
  • If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Maryland Insurance Administration
Address: 200 St. Paul Place, Suite 2700, Baltimore, MD 21202
Website: www.insurance.maryland.gov
Phone: 1-800-492-6116

WhiskerCover contact information

WhiskerCover LLC
Address: 1065 SW 8th St, #1235, Miami, FL 33130
Email: support@whiskercover.com
Website: www.whiskercover.com

Notice to Ohio Residents

OHIO INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

  • If you notify us within the first 30 days from the effective date as shown on your declarations page that you wish to cancel this policy, and you have not submitted any claim against this policy, we will refund the entire premium.
  • You may notify us that you want to cancel by calling, emailing, or writing to us.
  • We will refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund will be sent directly to the person who paid it. The policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

  • Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
  • Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
  • Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

  • Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:
    1. A veterinarian provided medical advice regarding the condition.
    2. Your pet received previous treatment for the condition.
    3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
    4. A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.
  • Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
  • Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
  • Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

  • Accidents or injuries resulting from an unexpected event do not have a waiting period.
  • For policies underwritten by Trisura Insurance Company, a 14-day waiting period applies to illnesses.
  • A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
  • Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
  • If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

  • Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
  • Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

  1. A comprehensive exam for your pet by a veterinarian.
  2. Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
  3. Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

  • Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
  • You must submit a claim form within 180 days of treatment, including:
    1. Your name
    2. A description of your pet
    3. Your policy number
    4. A description of the claimed illness or injury

Policy Cancellation

  • You may cancel this policy at any time by calling, emailing, or writing to us.
  • The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
  • We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
  • If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Ohio Department of Insurance
Address: 50 West Town Street, Third Floor, Suite 300, Columbus, OH 43215
Website: www.insurance.ohio.gov
Toll-Free: 800-686-1526

WhiskerCover contact information

WhiskerCover LLC
Address: 1065 SW 8th St, #1235, Miami, FL 33130
Email: support@whiskercover.com
Website: www.whiskercover.com

Notice to Pennsylvania Residents

PENNSYLVANIA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

  • You have 30 days from the day you receive your policy, certificate, or rider to review and return it to us if you decide not to keep it.
  • You do not have to provide a reason for returning the policy. If you choose not to keep it, return it to us at our administrative office or to the agent or insurance producer from whom you purchased it, as long as no claims have been filed.
  • The policy, certificate, or rider must be returned within 30 days of the date you first received it.
  • We will refund the full amount of any premium paid within 30 days of receiving the returned policy. The premium refund will be sent directly to the person who paid it. The policy, certificate, or rider will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

  • Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy documents.
  • Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
  • Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

  • Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:
    1. A veterinarian provided medical advice regarding the condition.
    2. Your pet received previous treatment for the condition.
    3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
    4. A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.
  • Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
  • Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
  • Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

  • Accidents or injuries resulting from an unexpected event do not have a waiting period.
  • For policies underwritten by Trisura Insurance Company, a 14-day waiting period applies to illnesses.
  • A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
  • Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
  • If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

  • Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
  • Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

  1. A comprehensive exam for your pet by a veterinarian.
  2. Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
  3. Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

  • Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
  • You must submit a claim form within 180 days of treatment, including:
    1. Your name
    2. A description of your pet
    3. Your policy number
    4. A description of the claimed illness or injury

Policy Cancellation

  • You may cancel this policy at any time by calling, emailing, or writing to us.
  • The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
  • We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
  • If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Pennsylvania Insurance Department
Address: 1326 Strawberry Square, Harrisburg, PA 17120
Website: www.insurance.pa.gov
Toll-Free: 877-881-6388

WhiskerCover contact information

WhiskerCover LLC
Address: 1065 SW 8th St, #1235, Miami, FL 33130
Email: support@whiskercover.com
Website: www.whiskercover.com

Notice to Washington Residents

WASHINGTON INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

  • If you notify us within the first 30 days from the effective date as shown on your declarations page that you wish to cancel this policy, and you have not submitted any claim against this policy, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based upon the date of termination of this policy. You may notify us of cancellation by calling, emailing, or writing to us.
  • We will refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund will be sent directly to the person who paid it. The policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

  • Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
  • Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
  • Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

  • Pre-existing Condition – A condition for which any of the following are true before the effective date of the policy or during the waiting period:
    1. A veterinarian provided medical advice regarding the condition.
    2. Your pet received previous treatment for the condition.
    3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
  • Congenital Anomaly or Disorder – Any condition that is present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
  • Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
  • Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin.

Waiting Periods

  • Accidents or injuries resulting from an unexpected event do not have a waiting period.
  • For policies underwritten by Trisura Insurance Company, a 14-day waiting period applies to illnesses.
  • A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
  • The waiting period will not apply to policy renewals if renewal coverage is continuously maintained with us.
  • If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

  • Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
  • Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

  1. A comprehensive exam for your pet by a veterinarian.
  2. Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
  3. Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

  • Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
  • You must submit a claim form within 180 days of treatment, including:
    1. Your name
    2. A description of your pet
    3. Your policy number
    4. A description of the claimed illness or injury

Policy Cancellation

  • You may cancel this policy at any time by calling, emailing, or writing to us.
  • The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
  • We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
  • If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
  • After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Washington Office of the Insurance Commissioner
Address: 5000 Capitol Blvd., SE, Tumwater, WA 98501
Website: www.insurance.wa.gov
Toll-Free: 800-562-6900

WhiskerCover contact information

WhiskerCover LLC
Address: 1065 SW 8th St, #1235, Miami, FL 33130
Email: support@whiskercover.com
Website: www.whiskercover.com

Questions

For questions about your policy or a claim, contact Odie Pet Insurance at support@odiepetinsurance.com or 877-327-0471. For questions about this website or the sale of insurance, email support@whiskercover.com.