Welcome to our dedicated page for Trupanion SEC filings (Ticker: TRUP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Trupanion, Inc. (NASDAQ: TRUP) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed insight into its business as a provider of medical insurance for cats and dogs. These SEC filings cover areas such as financial performance, risk factors, capital structure, governance, and material agreements that shape the company’s operations and its TRUP stock profile.
Key filings for Trupanion include annual reports on Form 10-K, which describe its subscription and other business segments, geographic reach, insurance entities, and risk considerations; and quarterly reports on Form 10-Q, which update investors on revenue from subscription and other business, enrolled pet counts, net income or loss, cash flows, and technology and development spending. Current reports on Form 8-K disclose material events, such as new credit agreements, earnings releases, and board appointments.
For example, Trupanion has used Form 8-K to report entering into a credit agreement with PNC Bank that provides term loan and revolving credit facilities secured by substantially all of the company’s and certain subsidiaries’ assets, and to announce the appointment of a new independent director to its board. Other 8-K filings reference the issuance of press releases detailing quarterly financial results.
Investors can also review Trupanion’s disclosures on non-GAAP financial measures, forward-looking statements, and risk factors, which are discussed in its periodic reports and referenced in earnings-related filings. These documents explain how the company views metrics such as adjusted EBITDA, net acquisition cost, and cash flow, and outline factors that could affect future performance, including claims trends, retention, regulatory constraints, and capital requirements.
On this page, Stock Titan presents Trupanion’s SEC filings alongside AI-powered summaries that highlight the main points of lengthy documents, such as 10-K and 10-Q reports. Users can quickly identify important information on segment performance, debt arrangements, and governance changes, while still having access to the full text of each filing for deeper review.
Trupanion reported improved results for the first quarter of 2026. Total revenue was $384.0 million, up 12% from the first quarter of 2025, driven by subscription business revenue of $269.5 million, which grew 16%. Net income was $4.9 million, or $0.11 per basic and diluted share, compared to a net loss of $1.5 million, or $(0.03) per share, a year earlier.
Adjusted EBITDA rose to $17.4 million from $12.2 million. Subscription enrolled pets reached 1,105,783 at March 31, 2026, a 5% increase over March 31, 2025, while total enrolled pets across all segments declined 2% to 1,637,665. Operating cash flow was $14.6 million and free cash flow was $13.7 million. The company held $383.7 million in cash and short-term investments at March 31, 2026.
Trupanion returned to profitability in Q1 2026 as growth in core subscription insurance outpaced costs. Revenue rose to $384.0 million from $342.0 million, driven by a 16% increase in subscription segment revenue to $269.5 million and an 11% rise in monthly average revenue per pet.
Net income was $4.9 million, or $0.11 per diluted share, compared with a $1.5 million loss, helped by improved subscription margins and lower interest expense. Cash, cash equivalents and short-term investments totaled $383.7 million, while operating cash flow was $14.6 million and long-term debt stood at $110.0 million under the PNC credit facility.
TRUPANION, INC. Chief Operating Officer John R. Gallagher executed an open-market sale of 431 shares of common stock at $27.47 per share. This transaction was carried out under a pre-arranged Rule 10b5-1 trading plan, meaning the timing was predetermined. Following the sale, Gallagher directly holds 31,526 shares of Trupanion common stock.
TRUP reported insider sales of Common Stock by John Gallagher: 5,283 shares sold on 02/27/2026 for $140,080.33 and 430 shares sold on 03/30/2026 for $10,952.10. The filing lists the securities as restricted stock issued on 05/25/2023 and 08/25/2023.
Trupanion, Inc. announced that director Max Brodén has informed the company he will not stand for re-election at the Annual Stockholders’ Meeting scheduled for June 10, 2026 at 9 a.m. Pacific Time. His decision is for personal reasons and is not due to any disagreement with Trupanion or its Board.
Brodén plans to continue serving as a director until the 2026 Annual Meeting. The company states that his departure does not affect the strategic partnership between Aflac and Trupanion, and that Aflac remains a committed, aligned shareholder. Trupanion also furnished a shareholder letter included in its 2025 Annual Report under Regulation FD, clarifying that this information is furnished rather than filed under securities laws.
Trupanion, Inc. is asking stockholders at its 2026 annual meeting to elect nine directors, ratify Ernst & Young LLP as independent auditor for 2026, and approve 2025 executive compensation on an advisory basis. The in-person meeting is set for June 10, 2026 at 9:00 a.m. PDT in Seattle, with April 14, 2026 as the record date for voting, covering 43,620,472 common shares outstanding. The board currently has a majority of independent directors, a separate Chair and CEO, and formal audit, compensation, and nominating/governance committees. Non-employee director retainers were $150,000 for 2025 and will rise to $165,000 in 2026, with added committee retainers and a mix of cash and RSU-based compensation.
TRUPANION, INC. Chief Operating Officer John R. Gallagher executed an open-market sale of 430 shares of common stock at $25.47 per share on March 30, 2026, under a pre-established Rule 10b5-1 trading plan. He continues to hold 31,957 shares directly after this transaction.
TRUP submitted a Rule 144 notice reporting planned sales of restricted common stock and two recent dispositions by John Gallagher. The filing lists restricted-stock items dated 05/25/2023 (180 shares) and 02/25/2023 (250 shares) as securities to be sold. It also reports two past sales by John Gallagher: 5,283 shares for $140,080.33 on 02/27/2026 and 430 shares for $13,618.10 on 01/28/2026.
Trupanion Inc disclosure: The Vanguard Group filed an amended Schedule 13G/A reporting beneficial ownership of 0 shares of Common Stock, representing 0% of the class as of the amendment. The filing explains an internal realignment effective January 12, 2026 under SEC Release No. 34-39538 that caused certain Vanguard subsidiaries or business divisions to report disaggregated ownership separately. The form lists Vanguard's address and states no sole or shared voting or dispositive power over Trupanion shares; the amendment is signed on 03/27/2026.