Trisura Insurance Company is updating the pet health insurance program it underwrites for Odie Pet Insurance in North Carolina, introducing a rate increase and revised underwriting guidelines.

The company submitted the filing on April 6, 2026. It includes an overall indicated rate change of 56.4% and a selected increase of 47.3%. The update affects 1,126 policyholders and about $506,817 in written premium, with a requested effective date of May 1, 2026.

The program structure remains largely unchanged. Coverage continues to include accident and illness plans, along with injury-only options, for dogs and cats over seven weeks old. Policyholders can choose deductibles from $50 to $1,000, coinsurance levels between 10% and 30%, and annual limits up to $40,000. In addition, the program still offers optional add-ons such as exam fees, prescriptions, and rehabilitative care.

At the same time, the flat-rate injury-only plan remains in place, priced at $108 annually for dogs and $72 for cats, with fixed terms and no discounts.

Pricing continues to rely on a multi-factor model that incorporates geography, breed, age, deductible, and coverage selections. It also reflects an assumed 11% annual trend in veterinary costs. Discounts remain capped at 12%.

Broader context

This North Carolina update is part of a broader rate push tied to the Odie Pet Insurance program.

• Oregon: +47.79% on 346 policyholders and $179,416 in written premium
• New Jersey: +47.41% on 1,040 policyholders and $585,646 in written premium
• Virginia: +46.21% on 841 policyholders and $476,538 in written premium

These increases began in 2025 and continue across multiple states.

Meanwhile, Accredited Surety and Casualty Company, the former underwriting carrier behind Odie, has filed multiple withdrawals from the pet insurance market, pointing to a broader shift in program capacity.