UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 001-36537 TRUPANION, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporati ...

Trupanion, Inc. (NASDAQ:TRUP) Q1 2022 Earnings Conference Call April 28, 2022 4:30 PM ET Company Participants Laura Bainbridge - Investor Relations Darryl Rawlings - Chief Executive Officer Drew Wolff - Chief Financial Officer Margi Tooth - President Tricia Plouf - Chief Operating Officer Conference Call Participants Shweta Khajuria - Evercore ISI Maria Ripps - Canaccord Genuity Elliot Wilbur - Raymond James Josh Shanker - Bank of America Jon Block - Stifel John Barnidge - Piper Sandler Greg Gibas - Northla ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 TRUPANION, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) 6100 4th Avenue S, Suite 400 Seattle, Washington 98108 (855) 727 - 9079 (Address, including zip code, and telephone number, including area code, of re ...

March 2022 Trupanion Investor Presentation | --- | --- | |------ ...

Trupanion, Inc. (NASDAQ:TRUP) Q4 2021 Earnings Conference Call February 16, 2022 4:30 PM ET Company Participants Laura Bainbridge - IR Darryl Rawlings - CEO Tricia Plouf - Co-President & COO Drew Wolff - CFO Margi Tooth - Co-President Conference Call Participants John Barnidge - Piper Sandler Shweta Khajuria - Evercore ISI Jonathan Block - Stifel Maria Ripps - Canaccord Ryan Tunis - Autonomous Research Greg Gibas - Northland Securities Operator Greetings and welcome to the Trupanion, Inc. Fourth Quarter 202 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 001-36537 TRUPANION, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation ...

November 2021 Trupanion Investor Presentation | --- | --- | |---------------------------------------------------------------------------------------------------------------------------------------------- ...

Trupanion, Inc. (NASDAQ:TRUP) Q3 2021 Earnings Conference Call November 3, 2021 4:30 PM ET Company Participants Laura Bainbridge - IR Darryl Rawlings - CEO Tricia Plouf - Co-President Drew Wolff - CFO Margi Tooth - Co-President Conference Call Participants Maria Ripps - Canaccord Genuity John Barnidge - Piper Sandler Josh Shanker - Bank of America Ryan Tunis - Autonomous Research Jean Lee - Evercore ISI Michael Parolari - Raymond James Greg Gibas - Northland Securities Operator Greetings and welcome to the ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission File Number: 001-36537 TRUPANION, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorp ...

Financial Data and Key Metrics Changes - Total revenue for Q2 2021 was $168.3 million, representing a 43% year-over-year growth [15][25] - Adjusted operating income grew 32% to $18.5 million [12][21] - Net loss for the quarter was $9.2 million, compared to a net income of $1.4 million in the prior year period [23] Business Line Data and Key Metrics Changes - Subscription revenue was $120.4 million, up 30% year-over-year [15] - Total enrolled subscription pets increased 22% year-over-year to approximately 643,000 pets [15] - Other business segment revenue was $47.9 million, an increase of 88% year-over-year [19] Market Data and Key Metrics Changes - Average monthly retention rate was 98.72%, slightly up from 98.66% in the prior year [16] - Monthly average revenue per pet increased by 7.2% year-over-year to $63.69 [16] Company Strategy and Development Direction - The company is focused on a 60-month plan that includes expanding product offerings and international growth [10][14] - Investments in member experience and new product development are prioritized to drive retention and referrals [21][22] - The company aims to maintain a target adjusted operating margin of 15% [21][52] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth potential of the pet insurance market, citing low penetration rates in North America [38] - The company anticipates continued strong growth despite potential challenges from wage inflation and other economic factors [42] - Management is optimistic about the progress made in the first half of the year and the execution of the 60-month plan [32] Other Important Information - The company held cash and investments of over $219 million and had no debt at the end of the quarter [24] - Operating cash flow was negative $2.2 million, reflecting accelerated pet growth and investment initiatives [24] Q&A Session Summary Question: Update on ARPU and five-year plan progress measurement - Management indicated ARPU is expected to increase by 5% to 6% for the full year and discussed measuring progress through milestones in various initiatives [30][32] Question: Changes in consumer behavior and vet traffic amidst COVID - Management reported no significant changes in consumer behavior or vet traffic, with lead volume and conversion rates remaining positive [37][38] Question: Breeder channel opportunities - Management confirmed ongoing investments in the breeder channel, emphasizing its potential for high lifetime value [39] Question: Anticipated impacts of wage inflation on pricing - Management acknowledged wage inflation as a challenge but noted that they are aligned with veterinarians to manage costs effectively [42] Question: Update on lower medium price point plans - Management confirmed the launch of a new product in Canada and emphasized maintaining strong growth in the core subscription business [50][52] Question: Frequency of claims and utilization trends - Management stated that frequency levels have stabilized and returned to normal since the initial COVID impact [57] Question: Guidance on pet acquisition cost (PAC) - Management provided guidance on PAC, targeting around $280, while emphasizing a disciplined approach to spending [59]