Trupanion (TRUP) 10-Q 31 Oct 14 2014 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information Document	9 Months Ended
	Sep. 30, 2014
Entity Information [Line Items]	'
Entity Registrant Name	'TRUPANION INC.
Entity Central Index Key	'0001371285
Current Fiscal Year End Date	'--12-31
Entity Filer Category	'Non-accelerated Filer
Document Type	'10-Q
Document Period End Date	30-Sep-14
Document Fiscal Year Focus	'2014
Document Fiscal Period Focus	'Q3
Amendment Flag	'false
Entity Common Stock, Shares Outstanding	27,789,803

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheet (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Statement of Financial Position [Abstract]	'	'
Cash and cash equivalents	$59,069	$14,939
Investments in fixed maturities, at amortized cost	19,297	16,088
Accounts and other receivables	8,598	7,771
Prepaid expenses and other assets	1,386	935
Total current assets	88,350	39,733
Restricted cash	0	3,000
Investments in fixed maturities, at fair value	944	832
Property and equipment, net	6,355	3,124
Deferred offering costs	0	54
Intangible assets, net	4,863	4,910
Total assets	100,512	51,653
Accounts payable	1,641	1,263
Accrued liabilities	3,519	3,660
Claims reserve	5,411	5,612
Deferred revenue	9,291	8,468
Short-term debt	0	900
Warrant liabilities	0	4,900
Other payables	1,340	1,138
Deferred tax liabilities	82	82
Total current liabilities	21,284	26,023
Long-term debt	14,900	25,199
Deferred tax liabilities	1,542	1,540
Other liabilities	141	166
Total liabilities	37,867	52,928
Redeemable convertible preferred stock: $0.00001 par value per share	0	31,724
Common stock: $0.00001 par value per share	0	0
Preferred Stock, Value, Outstanding	0	0
Special voting shares: $0.00001 par value per share	0	0
Additional paid-in capital	118,153	5,769
Accumulated other comprehensive loss	-3	-164
Accumulated deficit	-52,904	-36,003
Treasury stock, at cost	2,601	2,601
Total stockholders' deficit	62,645	-32,999
Total liabilities, redeemable convertible preferred stock, and stockholders' deficit	$100,512	$51,653

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Investment in fixed maturities, at amortized cost (fair value)	$19,297	$16,088
Investments in fixed maturities, at fair value (amortized cost)	$1,000	$1,000
Common Stock [Member]	'	'
Common Stock, Par or Stated Value Per Share	$0	$0
Common Stock, Shares Authorized	200,000,000	26,000,000
Common Stock, Shares, Issued	28,407,957	2,857,620
Common Stock, Shares, Outstanding	27,786,978	2,236,641
Convertible Preferred Stock [Member]	'	'
Preferred Stock, Par or Stated Value Per Share	$0	$0
Preferred Stock, Shares Authorized	0	15,648,723
Preferred Stock, Shares Issued	0	14,857,989
Preferred Stock, Shares Outstanding	0	14,857,989
Preferred Stock [Member]	'	'
Preferred Stock, Par or Stated Value Per Share	$0	$0
Preferred Stock, Shares Authorized	10,000,000	0
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Treasury Stock [Member]	'	'
Treasury Stock, Shares	620,979	620,979
Special Voting Shares [Member]	'	'
Special Voting Shares, Par or Stated Value per Share	$0	$0
Special Voting Shares, Shares Authorized	0	2,500,030
Special Voting Shares, Shares Issued	0	2,247,130
Special Voting Shares, Shares Outstanding	0	2,247,130

Condensed_Consolidated_Stateme

Condensed Consolidated Statement of Operations (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Income Statement [Abstract]	'	'	'	'
Revenue	$30,312	$22,134	$84,042	$59,818
Claims expenses	21,808	14,810	57,819	40,320
Other cost of revenue	4,059	3,205	11,872	7,942
Gross profit	4,445	4,119	14,351	11,556
Sales and marketing	2,934	2,013	8,390	6,853
Technology and development	2,532	1,156	7,285	3,191
General and administrative	4,385	2,033	10,463	5,982
Total operating expenses	9,851	5,202	26,138	16,026
Operating loss	-5,406	-1,083	-11,787	-4,470
Interest expense	5,155	154	6,623	420
Other (income) expense, net	-2,066	-13	-1,545	168
Loss before income taxes	-8,495	-1,224	-16,865	-5,058
Income tax expense (benefit)	14	-2	36	-86
Net loss	($8,509)	($1,222)	($16,901)	($4,972)
Net loss per share: Basic and diluted (per share)	($0.41)	($0.87)	($2.09)	($3.84)
Weighted average shares used to compute net loss per share: Basic and diluted (in shares)	20,857,126	1,411,866	8,092,287	1,296,105

Condensed_Consolidated_Stateme1

Condensed Consolidated Statement of Comprehensive Income Statement (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Statement of Comprehensive Income [Abstract]	'	'	'	'
Net loss	($8,509)	($1,222)	($16,901)	($4,972)
Foreign currency translation adjustments	25	-29	49	29
Change in unrealized losses on available-for-sale securities	17	-97	112	-131
Other comprehensive income (loss), net of taxes	42	-126	161	-102
Comprehensive loss	($8,467)	($1,348)	($16,740)	($5,074)

Condensed_Consolidated_Stateme2

Condensed Consolidated Statement of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Statement of Cash Flows [Abstract]	'	'
Net loss	($16,901)	($4,972)
Depreciation and amortization	1,234	663
Amortization of prepaid loan fee	108	0
Amortization of debt discount	4,925	14
Loss on disposal of equipment	48	0
Warrant (income) expense	-1,574	129
Stock-based compensation expense	3,194	1,364
Loss from equity method investment	0	52
Net amortization on bonds	8	12
Accounts receivable	-828	-5,460
Prepaid expenses and other current assets	-456	98
Accounts payable	151	128
Accrued liabilities	-398	-41
Claims reserve	-201	2,565
Deferred revenue	823	4,276
Other payables	167	106
Net cash used in operating activities	-9,700	-1,066
Purchases of investment securities, held-to-maturity	-26,455	-15,697
Maturities of investment securities, held-to-maturity	23,239	15,055
Purchases of property and equipment	-4,013	-1,416
Other	0	-18
Net cash used in investing activities	-7,229	-2,076
Restricted cash	3,000	0
Proceeds from exercise of stock options	161	434
Proceeds from line of credit and debt financing	17,000	3,700
Payment of loan fee	-103	0
Repayment of debt financing	-32,000	0
Net proceeds from initial public offering	72,946	0
Net cash provided by financing activities	61,004	4,134
Effect of foreign exchange rates on cash, net	55	53
Net change in cash and cash equivalents	44,130	1,045
Cash and cash equivalents at beginning of period	14,939	4,234
Cash and cash equivalents at end of period	59,069	5,279
Income taxes paid	9	0
Interest paid	1,372	406
Warrants issued in conjunction with debt issuance	1,123	43
Exchange of stock for equity method investment	0	448
Increase in payables for property and equipment	488	139
Increase in payables for deferred financing costs	136	0
Redemption of Warrants Non-Cash	$1,270	$0

Nature_of_Operations_and_Summa

Nature of Operations and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Nature of Operations and Summary of Significant Accounting Policies	'
	Nature of Operations and Summary of Significant Accounting Policies
	Description of Business
	Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the Company) is a direct-to-consumer monthly subscription service provider of a medical plan for cats and dogs throughout the United States, Canada and Puerto Rico.
	Basis of Presentation
	The condensed consolidated balance sheet data as of December 31, 2013 was derived from audited consolidated financial statements. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (U.S. GAAP) for unaudited condensed consolidated financial information. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation. These unaudited condensed consolidated financial statements and notes should be read in conjunction with the Company's audited consolidated financial statements and accompanying notes for the year ended December 31, 2013 included in the Company's prospectus filed with the SEC pursuant to Rule 424(b) under the Securities Act of 1933 on July 18, 2014. The accompanying unaudited condensed consolidated financial statements reflect all adjustments consisting of normal recurring adjustments which, in the opinion of management, are necessary for a fair presentation of the Company's financial position and results of its operations, as of and for the periods presented. Operating results for the three and nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014, or for any other period.
	Reclassifications
	Certain prior year amounts have been reclassified within the Company’s consolidated financial statements from their original presentation to conform with the current period presentation.
	Use of Estimates
	The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingencies and the reported amounts of revenue and expenses. Significant items subject to such estimates and assumptions include the valuation of deferred tax assets, stock-based compensation, warrant liabilities, claims reserve, useful lives of software developed for internal use and income tax uncertainties. Actual results could differ from the estimates used in preparing the consolidated financial statements.
	Income Taxes
	The Company is subject to income taxes in the United States and in Canada. The provision for income taxes reflects the Company's estimated effective tax rate for the year. The difference between this rate and the U.S. federal income tax rate of 35% was primarily due to a full valuation allowance on its U.S. deferred tax assets. During the nine months ended September 30, 2014, the Company reduced its accrual for its existing uncertain tax positions by $53.
	Offering Costs
	Prior to the Company's initial public offering (IPO), deferred offering costs, including legal, accounting and other fees and costs related to the IPO, were capitalized and included as a noncurrent asset in the consolidated balance sheets. Upon completion of the IPO, the deferred offering costs were offset against IPO proceeds in additional paid-in capital in the consolidated balance sheet.
	Initial Public Offering
	On July 23, 2014 the Company completed IPO pursuant to which 8,193,750 shares of common stock were sold to the public at a price of $10.00 per share. The Company received net proceeds of approximately $72.8 million from the IPO. Upon the closing of the IPO, all shares of the outstanding convertible preferred stock and exchangeable shares automatically converted into 14,944,945 and 2,247,130 shares of common stock, respectively. If this transaction had taken place on January 1, 2014, the Company's weighted-average shares outstanding for the three and nine months ended September 30, 2014 would have been 27,135,340 and 26,900,033, respectively.
	Upon completion of the IPO, 25,170 warrants to purchase preferred stock were converted into warrants for the purchase of common shares on a 1:1 basis. These warrants were classified as liabilities on the consolidated balance sheet due to terms allowing for a modification of the exercise price under certain circumstances. Upon completion of the IPO, these warrants were revalued resulting in a gain of $14 that was recorded in other (income) expense, net in the consolidated statement of operations. Immediately after the IPO, all of these warrants were exercised at the IPO price of $10.00 per share, resulting in an increase of 25,170 shares of common stock outstanding.
	Immediately prior to the Company's IPO, there were warrants to purchase 1,164,085 shares of common stock outstanding, of which warrants to purchase 415,646 of shares of common stock were issued on July 2, 2014 in connection with an amended and restated credit agreement that contained terms modifying the exercise price and number of underlying shares upon completion of an IPO resulting in historical liability classification in the consolidated balance sheet. Upon the closing of the IPO, the number of shares underlying these warrants was adjusted to 869,999 shares, and the exercise price of each warrant was adjusted to $10.00 per share. These warrants were also revalued resulting in a gain of $2,040, which was recorded in other (income) expense, net in the statement of operations. Immediatly following the IPO, these warrants were no longer subject to contractual modification provisions and were reclassified from a liability classification to an equity classification on the consolidated balance sheet.
	Accumulated Other Comprehensive Loss, net of tax
	A rollforward of accumulated other comprehensive loss is as follows:
		ACCUMULATED OTHER COMPREHENSIVE LOSS
		UNREALIZED LOSSES ON AVAILABLE FOR SALE SECURITIES			FOREIGN CURRENCY GAIN
	Balance at December 31, 2013	$	(168	)	$	4
	Other comprehensive loss	35			51
	Balance at March 31, 2014	(133		)	55
	Other comprehensive loss	60			(27		)
	Balance at June 30, 2014	(73		)	28
	Other comprehensive loss	17			25
	Balance at September 30, 2014	$	(56	)	$	53
	There were no reclassifications out of accumulated other comprehensive loss during the three and nine months ended September 30, 2014 and 2013.
	Recent Accounting Pronouncements
	In May 2014, the Financial Accounting Standards Board (FASB) issued an Accounting Standard Update (ASU) amending revenue recognition guidance and requiring more detailed disclosures to enable users of financial statements to understand the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers. Insurance contracts are excluded from the scope of this new guidance. The guidance is effective for annual and interim reporting periods beginning after December 15, 2016, with early adoption prohibited, and must be applied retrospectively or modified retrospectively. We are currently evaluating the impact this ASU will have on our consolidated financial statements.

Net_Loss_per_Share

Net Loss per Share	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	Basic net loss per share is calculated by dividing the net loss by the weighted-average number of shares of common stock outstanding for the period. Excluded from the weighted-average number of shares outstanding are shares that have been issued and are subject to future vesting and unvested restricted stock. Diluted net loss per share is calculated by dividing the net loss by the weighted-average number of common stock equivalents outstanding for the period determined using the treasury-stock method. Potentially dilutive common stock equivalents are comprised of convertible preferred stock, warrants for the purchase of convertible preferred stock and common stock, exchangeable shares, unvested restricted stock and stock options. For all periods presented, there is no difference in the number of shares used to calculate basic and diluted shares outstanding due to the Company’s net loss position.
	The following potential dilutive equity securities are not included in the diluted net loss per common share calculation because they would have had an antidilutive effect:
		AS OF SEPTEMBER 30,
		2014	2013
	Stock options	5,082,500	4,597,782
	Restricted stock	595,665	730,149
	Warrants	869,999	135,672
	Series A convertible preferred stock	—	7,466,283
	Series B convertible preferred stock	—	3,546,384
	Series C convertible preferred stock	—	3,845,322
	Exchangeable shares	—	2,247,130
	Convertible preferred stock is presented on an as converted basis to reflect the applicable conversion ratio.

Investment_Securities_Notes

Investment Securities (Notes)	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	The amortized cost, gross unrealized holding gains and losses, and fair value of available-for-sale and held-to-maturity fixed maturity securities by major security type and class of security were as follows:
		AMORTIZED		GROSS		GROSS			FAIR
		COST		UNREALIZED		UNREALIZED			VALUE
				HOLDING		HOLDING
				GAINS		LOSSES
	As of September 30, 2014
	Available-for-sale:
	Municipal bond	$	1,000	$	—	$	(56	)	$	944
		$	1,000	$	—	$	(56	)	$	944
	Held-to-maturity:
	U.S. Treasury securities	$	5,777	$	—	$	—		$	5,777
	Certificates of deposit	700		—		—			700
	U.S. government funds	12,820		—		—			12,820
		$	19,297	$	—	$	—		$	19,297
		AMORTIZED		GROSS		GROSS			FAIR
		COST		UNREALIZED		UNREALIZED			VALUE
				HOLDING		HOLDING
				GAINS		LOSSES
	As of December 31, 2013
	Available-for-sale:
	Municipal bond	$	1,000	$	—	$	(168	)	$	832
		$	1,000	$	—	$	(168	)	$	832
	Held-to-maturity:
	U.S. Treasury securities	$	5,778	$	—	$	—		$	5,778
	Certificates of deposit	2,700		—		—			$	2,700
	U.S. government funds	7,610		—		—			$	7,610
		$	16,088	$	—	$	—		$	16,088
	Maturities of debt securities classified as available-for-sale were as follows:
		30-Sep-14
		AMORTIZED		FAIR
		COST		VALUE
	Available-for-sale:
	Due under one year	$	—	$	—
	Due after one year through five years	—		—
	Due after five years through ten years	1,000		944
	Due after ten years	—		—
		$	1,000	$	944
	Maturities of debt securities classified held-to-maturity were as follows:
		30-Sep-14
		AMORTIZED		FAIR
		COST		VALUE
	Held-to-maturity:
	Due under one year	$	19,297	$	19,297
	Due after one year through five years	—		—
	Due after five years through ten years	—		—
	Due after ten years	—		—
		$	19,297	$	19,297
	The Company had one investment with an unrealized loss of $56 and a fair value of $944 at September 30, 2014 and an unrealized loss of $168 and a fair value of $832 at December 31, 2013. The debt security has been in the unrealized loss position for more than 12 months. The Company has assessed the bond for credit impairment and has determined that there is no intent to sell this bond and it is likely that it will hold the investment for a period of time sufficient to allow for a recovery. Furthermore, future payments on this bond are insured by a financial guarantee insurer. Therefore, the Company believes that the unrealized loss on this bond constitutes a temporary impairment.

Fair_Value

Fair Value	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	. Fair Value
	The Company determines fair value based on assumptions that market participants would use in pricing an asset or liability in the principal or most advantageous market. The Company utilizes valuation techniques that maximize the use of observable inputs and minimize the use of unobservable inputs to the extent possible.
	When considering market participant assumptions in fair value measurements, the following fair value hierarchy distinguishes between observable and unobservable inputs, which are categorized in one of the following levels:
	•	Level 1 inputs: Unadjusted quoted prices in active markets for identical assets or liabilities accessible to the reporting entity at the measurement date.
	•	Level 2 inputs: Valuations based on observable inputs other than quoted prices included in Level 1, such as quoted prices for similar assets and liabilities in active markets, quoted prices for identical or similar assets and liabilities in markets that are not active, or other inputs that are observable or can be corroborated by observable market data.
	•	Level 3 inputs: Unobservable inputs for the asset or liability used to measure fair value to the extent that observable inputs are not available, thereby allowing for situations in which there is little, if any, market activity for the asset or liability at the measurement date.
	The following table presents the placement in the fair value hierarchy of assets and liabilities that are measured at fair value on a recurring basis:
		AS OF SEPTEMBER 30, 2014
		FAIR VALUE			LEVEL 1			LEVEL 2		LEVEL 3
	Assets
	Municipal bond	944			—			944		—
	Money market funds	$	50,500		$	50,500		$	—	$	—
	Total	$	51,444		$	50,500		$	944	$	—
		AS OF DECEMBER 31, 2013
		FAIR VALUE			LEVEL 1			LEVEL 2		LEVEL 3
	Assets
	Restricted cash	$	3,000		$	3,000		$	—	$	—
	Municipal bond	832			—			832		—
	Total	$	3,832		$	3,000		$	832	$	—
	Liabilities
	Warrant liabilities	$	4,900		$	—		$	—	$	4,900
	Total	$	4,900		$	—		$	—	$	4,900
	A rollforward of activity in liabilities valued using Level 3 inputs is as follows:
		WARRANT LIABILITIES
		2014			2013
	Balance at January 1,	$	4,900		$	551
	Issuance of warrants	—			44
	Change in fair value upon remeasurement	1,219			98
	Balance at March 31,	6,119			693
	Settlement of warrant liability upon exercise	(999		)	—
	Change in fair value upon remeasurement	(740		)	28
	Balance at June 30,	$	4,380		$	721
	Issuance of warrants	1,123			—
	Settlement of warrant liability upon exercise	(270		)	—
	Change in fair value upon remeasurement	(2,053		)	3
	Reclassification to stockholders' equity	(3,180		)	—
	Balance at September 30,	—			724
	Changes in fair value upon remeasurement are recorded in other (income) expense, net on the consolidated statement of operations.
	The Company estimates fair value for its long-term debt based upon rates currently available to the Company for debt with similar terms and remaining maturities. This is a Level 3 measurement. Based upon the terms of the debt, the carrying amount of the $3,000 and $12,000 term loans approximated fair value at December 31, 2013.
	The Company’s accounting policy is to recognize transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the three and nine months ended September 30, 2014.
	The following methods and assumptions were used to estimate the fair value of each class of financial instruments:
	•	Investment securities: Debt securities classified as available-for-sale are measured using quoted market prices when quoted market prices are available. If quoted market prices in active markets for identical assets are not available to determine fair value, then the Company uses quoted prices of similar instruments and other significant inputs derived from observable market data obtained from third-party data providers. Held-to-maturity securities are carried at amortized cost and the fair value is disclosed in Note 3. Fair value is determined in the same manner as available-for-sale securities and is considered a Level 2 measurement.
	•	Warrant liabilities: These liabilities are valued using the Black-Scholes-Merton option-pricing model using certain unobservable inputs that are estimated by the Company. These inputs include a measure of volatility using an average of peer companies’ publicly traded stock volatility, expected dividend payments based on management’s assertion that no dividends will be paid in the near term, the remaining contractual term and a discount rate using an average equivalent bond yield calculation. The range of inputs used is as follows:
		THREE MONTHS ENDED			NINE MONTHS ENDED
		SEPTEMBER 30,			SEPTEMBER 30,
		2014		2013	2014		2013
	Expected volatility	40%-41%		38%-40%	34%-46%		35%-46%
	Expected dividends	—%		—%	—%		—%
	Risk-free rate	1.69%-1.71%		1.01%-2.02%	0.03%-2.02%		0.10%-2.02%
	Term	3.5-5.0 years		4.3-6.5 years	0.1-6.0 years		0.6-7.0 years
	An increase or decrease in any of these unobservable inputs would result in a change in the fair value measurement, which may be significant. The liabilities were revalued each period-end until exercised, expired or modified to exclude recurring fair value measurement. Gains and losses on revaluation of the liabilities were recorded in other (income) expense, net in the Company’s consolidated financial statements.

Debt

Debt	9 Months Ended
	Sep. 30, 2014
Debt Disclosure [Abstract]	'
Debt Disclosure [Text Block]	'
	5. Debt
	The Company's outstanding debt at September 30, 2014 was as follows:
		BALANCE	INTEREST RATE	MATURITY
	Line of credit	$14,900	5%	July 23, 2016
	The Company has a revolving line of credit with a bank, which is secured by any and all interest the Company has in assets that are not otherwise restricted. The revolving line of credit bore a variable interest rate as of September 30, 2014 and 2013, equal to the greater of 5.0% or 1.5% plus the prime rate. Interest expense is due monthly on the outstanding principal amount with all amounts outstanding under the revolving line of credit due upon maturity in July 2016. The credit agreement requires the Company to comply with various financial and non-financial covenants. As of September 30, 2014, the Company was in compliance with these covenants. This facility also has a compensating balance requirement of $500.
	Borrowings on the revolving line of credit are limited to the lesser of $15,000 in 2014 and 2013, and the total amount of cash and securities held by American Pet Insurance Company, (APIC), less up to $500 for obligations the Company may have outstanding for other ancillary services.
	On March 28, 2013, the Company obtained a term loan from the same bank of $3,000 in aggregate principal. The interest rate on the term loan was the greater of 5.5% or 2.0% plus the prime rate. All amounts outstanding under the term loan, including principal and accrued interest, were payable in 30 equal monthly installments beginning on April 28, 2014. During July 2014, this outstanding term loan was repaid in full, which also resulted in a release of the Company's restricted cash.
	On December 23, 2013, the Company obtained a term loan in an aggregate principal amount of $12,000. This note was entered into at a discount of $3,801 related to the issuance of warrants being deducted from the principal amount. On July 2, 2014, the Company entered into an amended and restated credit agreement in relation to this existing $12,000 term loan for a secured subordinated term loan totaling $29,000, which reflected an increase of $17,000 from the prior agreement. The amended principal amount was entered into at an additional discount of $1,123 as a result of the issuance of warrants. The term loan bore a fixed interest rate of 11.0% per year and was due on the earlier of three years from the issue date or certain triggering events, including a qualifying initial public offering, which would result in a 1.5% prepayment premium on the $17,000 increase related to the amendment. The $29,000 term loan was repaid in full on July 23, 2014 including $895 in accrued interest and a prepayment fee of $255. The unamortized discount on debt totaling $4,418 was written-off and included in interest expense in the consolidated statement of operations.

Commitment_and_Contingencies

Commitment and Contingencies	9 Months Ended
	Sep. 30, 2014
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingencies Disclosure [Text Block]	'
	During 2013, the Company determined that it owes goods and services tax (GST) and harmonized sales tax (HST) in Canada for certain intercompany fees charged to its Canadian entities from 2007 through 2013. The Company began a voluntary self-disclosure with the Canada Revenue Agency for these unpaid taxes in 2014 under the Canada Revenue Agency Voluntary Disclosures Program, which would, if successful, avoid the imposition of penalties for late payment. Interest will be due on the amounts owed. The Company submitted the completed voluntary self-disclosure during the second quarter of 2014. The Company has accrued $983 of GST/HST tax for the 2007 through 2013 tax years, including interest.
	The Company’s subsidiary, APIC, a New York corporation, received an inquiry from the California Department of Insurance (CDOI) in 2011 alleging APIC’s trial insurance policies issued in California are in violation of California law. The Company has disputed this assertion. In July 2014, the CDOI filed a notice of non-compliance regarding this issue.  APIC received an extension to request a hearing to contest the notice. As of September 30, 2014 and December 31, 2013, the Company had accrued liabilities of $100 for this matter. While the Company intends to defend this matter vigorously, adverse outcomes beyond recorded amounts are reasonably possible. At this stage in the matter, however, the Company is unable to estimate a possible loss or range of possible loss beyond amounts previously accrued.
	The Company received an inquiry from the Washington State Office of the Insurance Commissioner (OIC) in December 2012 concerning whether a subsidiary of the Company was properly licensed, and whether certain of its employees were properly licensed, under Washington law. The Company responded to this letter in January of 2013, stating that the subsidiary is licensed, and its employees are not required to be licensed under Washington law. The Company received additional correspondence from the OIC in July 2014 informing it that the OIC is scheduling a regulatory examination to further assess the Company’s compliance, which was underway at September 30, 2014.  Because of the inherent uncertainties of this matter, including the early stage and lack of specific claims, the Company currently believes the likelihood of a material loss is unlikely and cannot predict the impact (if any) that the matter may have on the Company’s business, results of operations, financial position or cash flows.
	The Company is subject to a variety of other claims and suits that arise from time to time in the ordinary course of its business.
	The Company makes a provision for a liability relating to legal matters when it is both probable that a liability beyond previously accrued amounts has been incurred and the amount of the loss can be reasonably estimated. These provisions are reviewed at least quarterly and adjusted to reflect the impacts of negotiations, estimated settlements, legal rulings, advice of legal counsel and other information and events pertaining to a particular matter. Although management currently believes that resolving outstanding matters, individually or in aggregate, will not have a material adverse impact on the Company’s financial statements, these matters are subject to inherent uncertainties and management’s view of these matters may change in the future.

Segments

Segments	9 Months Ended
	Sep. 30, 2014
Segment Reporting [Abstract]	'
Segment Reporting Disclosure [Text Block]	'
	The Company has two segments: subscription business and other business. The subscription business segment includes monthly subscriptions related to the Company’s medical plan, while the other business segment includes all other business, including policies written for third parties and policies written under a federal government program. The chief operating decision maker uses two measures to evaluate segment performance: revenue and gross profit. Corporate operating expenses, interest and other expenses, and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets.
	Revenue and gross profit of the Company’s segments were as follows:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	Revenue:
	Subscription business	$	27,517		$	20,007		$	75,965		$	55,392
	Other business	2,795			2,127			8,077			4,426
		30,312			22,134			84,042			59,818
	Claims expenses:
	Subscription business	20,611			14,002			54,534			38,442
	Other business	1,197			808			3,285			1,878
		21,808			14,810			57,819			40,320
	Other cost of revenue:
	Subscription business	2,793			2,115			7,990			5,847
	Other business	1,266			1,090			3,882			2,095
		4,059			3,205			11,872			7,942
	Gross profit:
	Subscription business	4,113			3,890			13,441			11,103
	Other business	332			229			910			453
		4,445			4,119			14,351			11,556
	Sales and marketing	2,934			2,013			8,390			6,853
	Technology and development	2,532			1,156			7,285			3,191
	General and administrative	4,385			2,033			10,463			5,982
	Operating loss	$	(5,406	)	$	(1,083	)	$	(11,787	)	$	(4,470	)
	The following table presents the Company’s revenue by geographic region of the member:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	United States	$	22,609		$	15,765		$	62,430		$	41,467
	Canada	7,703			6,369			21,612			18,351
	Total revenue	$	30,312		$	22,134		$	84,042		$	59,818
	Substantially all of the Company’s long-lived assets were located in the United States as of September 30, 2014.

Nature_of_Operations_and_Summa1

Nature of Operations and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Description of Business and Basis of Presentation	'
	Description of Business
	Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the Company) is a direct-to-consumer monthly subscription service provider of a medical plan for cats and dogs throughout the United States, Canada and Puerto Rico.
	Basis of Presentation
	The condensed consolidated balance sheet data as of December 31, 2013 was derived from audited consolidated financial statements. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (U.S. GAAP) for unaudited condensed consolidated financial information. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation. These unaudited condensed consolidated financial statements and notes should be read in conjunction with the Company's audited consolidated financial statements and accompanying notes for the year ended December 31, 2013 included in the Company's prospectus filed with the SEC pursuant to Rule 424(b) under the Securities Act of 1933 on July 18, 2014. The accompanying unaudited condensed consolidated financial statements reflect all adjustments consisting of normal recurring adjustments which, in the opinion of management, are necessary for a fair presentation of the Company's financial position and results of its operations, as of and for the periods presented. Operating results for the three and nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014, or for any other
Reclassification, Policy [Policy Text Block]	'
	Reclassifications
	Certain prior year amounts have been reclassified within the Company’s consolidated financial statements from their original presentation to conform with the current period presentation
Use of Estimates [Policy Text Block]	'
	Use of Estimates
	The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingencies and the reported amounts of revenue and expenses. Significant items subject to such estimates and assumptions include the valuation of deferred tax assets, stock-based compensation, warrant liabilities, claims reserve, useful lives of software developed for internal use and income tax uncertainties. Actual results could differ from the estimates used in preparing the consolidated financial statements.
Income Tax, Policy [Policy Text Block]	'
	Income Taxes
	The Company is subject to income taxes in the United States and in Canada. The provision for income taxes reflects the Company's estimated effective tax rate for the year. The difference between this rate and the U.S. federal income tax rate of 35% was primarily due to a full valuation allowance on its U.S. deferred tax assets. During the nine months ended September 30, 2014, the Company reduced its accrual for its existing uncertain tax positions by $53.
Initial Public Offering [Policy Text Block]	'
	Offering Costs
	Prior to the Company's initial public offering (IPO), deferred offering costs, including legal, accounting and other fees and costs related to the IPO, were capitalized and included as a noncurrent asset in the consolidated balance sheets. Upon completion of the IPO, the deferred offering costs were offset against IPO proceeds in additional paid-in capital in the consolidated balance sheet.
	Initial Public Offering
	On July 23, 2014 the Company completed IPO pursuant to which 8,193,750 shares of common stock were sold to the public at a price of $10.00 per share. The Company received net proceeds of approximately $72.8 million from the IPO. Upon the closing of the IPO, all shares of the outstanding convertible preferred stock and exchangeable shares automatically converted into 14,944,945 and 2,247,130 shares of common stock, respectively. If this transaction had taken place on January 1, 2014, the Company's weighted-average shares outstanding for the three and nine months ended September 30, 2014 would have been 27,135,340 and 26,900,033, respectively.
	Upon completion of the IPO, 25,170 warrants to purchase preferred stock were converted into warrants for the purchase of common shares on a 1:1 basis. These warrants were classified as liabilities on the consolidated balance sheet due to terms allowing for a modification of the exercise price under certain circumstances. Upon completion of the IPO, these warrants were revalued resulting in a gain of $14 that was recorded in other (income) expense, net in the consolidated statement of operations. Immediately after the IPO, all of these warrants were exercised at the IPO price of $10.00 per share, resulting in an increase of 25,170 shares of common stock outstanding.
	Immediately prior to the Company's IPO, there were warrants to purchase 1,164,085 shares of common stock outstanding, of which warrants to purchase 415,646 of shares of common stock were issued on July 2, 2014 in connection with an amended and restated credit agreement that contained terms modifying the exercise price and number of underlying shares upon completion of an IPO resulting in historical liability classification in the consolidated balance sheet. Upon the closing of the IPO, the number of shares underlying these warrants was adjusted to 869,999 shares, and the exercise price of each warrant was adjusted to $10.00 per share. These warrants were also revalued resulting in a gain of $2,040, which was recorded in other (income) expense, net in the statement of operations. Immediatly following the IPO, these warrants were no longer subject to contractual modification provisions and were reclassified from a liability classification to an equity classification on the consolidated balance sheet.
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	Accumulated Other Comprehensive Loss, net of tax
	A rollforward of accumulated other comprehensive loss is as follows:
		ACCUMULATED OTHER COMPREHENSIVE LOSS
		UNREALIZED LOSSES ON AVAILABLE FOR SALE SECURITIES			FOREIGN CURRENCY GAIN
	Balance at December 31, 2013	$	(168	)	$	4
	Other comprehensive loss	35			51
	Balance at March 31, 2014	(133		)	55
	Other comprehensive loss	60			(27		)
	Balance at June 30, 2014	(73		)	28
	Other comprehensive loss	17			25
	Balance at September 30, 2014	$	(56	)	$	53
	There were no reclassifications out of accumulated other comprehensive loss during the three and nine months ended September 30, 2014 and 2013.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	Recent Accounting Pronouncements
	In May 2014, the Financial Accounting Standards Board (FASB) issued an Accounting Standard Update (ASU) amending revenue recognition guidance and requiring more detailed disclosures to enable users of financial statements to understand the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers. Insurance contracts are excluded from the scope of this new guidance. The guidance is effective for annual and interim reporting periods beginning after December 15, 2016, with early adoption prohibited, and must be applied retrospectively or modified retrospectively. We are currently evaluating the impact this ASU will have on our consolidated financial statements.

Nature_of_Operations_and_Summa2

Nature of Operations and Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	Accumulated Other Comprehensive Loss, net of tax
	A rollforward of accumulated other comprehensive loss is as follows:
		ACCUMULATED OTHER COMPREHENSIVE LOSS
		UNREALIZED LOSSES ON AVAILABLE FOR SALE SECURITIES			FOREIGN CURRENCY GAIN
	Balance at December 31, 2013	$	(168	)	$	4
	Other comprehensive loss	35			51
	Balance at March 31, 2014	(133		)	55
	Other comprehensive loss	60			(27		)
	Balance at June 30, 2014	(73		)	28
	Other comprehensive loss	17			25
	Balance at September 30, 2014	$	(56	)	$	53
	There were no reclassifications out of accumulated other comprehensive loss during the three and nine months ended September 30, 2014 and 2013.

Net_Loss_per_Share_Tables

Net Loss per Share (Tables)	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block]	'
	The following potential dilutive equity securities are not included in the diluted net loss per common share calculation because they would have had an antidilutive effect:
		AS OF SEPTEMBER 30,
		2014	2013
	Stock options	5,082,500	4,597,782
	Restricted stock	595,665	730,149
	Warrants	869,999	135,672
	Series A convertible preferred stock	—	7,466,283
	Series B convertible preferred stock	—	3,546,384
	Series C convertible preferred stock	—	3,845,322
	Exchangeable shares	—	2,247,130

Investment_Securities_Availabl

Investment Securities Available-for-Sale (Tables)	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investment [Table Text Block]	'
	The amortized cost, gross unrealized holding gains and losses, and fair value of available-for-sale and held-to-maturity fixed maturity securities by major security type and class of security were as follows:
		AMORTIZED		GROSS		GROSS			FAIR
		COST		UNREALIZED		UNREALIZED			VALUE
				HOLDING		HOLDING
				GAINS		LOSSES
	As of September 30, 2014
	Available-for-sale:
	Municipal bond	$	1,000	$	—	$	(56	)	$	944
		$	1,000	$	—	$	(56	)	$	944
	Held-to-maturity:
	U.S. Treasury securities	$	5,777	$	—	$	—		$	5,777
	Certificates of deposit	700		—		—			700
	U.S. government funds	12,820		—		—			12,820
		$	19,297	$	—	$	—		$	19,297
		AMORTIZED		GROSS		GROSS			FAIR
		COST		UNREALIZED		UNREALIZED			VALUE
				HOLDING		HOLDING
				GAINS		LOSSES
	As of December 31, 2013
	Available-for-sale:
	Municipal bond	$	1,000	$	—	$	(168	)	$	832
		$	1,000	$	—	$	(168	)	$	832
	Held-to-maturity:
	U.S. Treasury securities	$	5,778	$	—	$	—		$	5,778
	Certificates of deposit	2,700		—		—			$	2,700
	U.S. government funds	7,610		—		—			$	7,610
		$	16,088	$	—	$	—		$	16,088
Available-for-sale Securities [Table Text Block]	'
	Maturities of debt securities classified as available-for-sale were as follows:
		30-Sep-14
		AMORTIZED		FAIR
		COST		VALUE
	Available-for-sale:
	Due under one year	$	—	$	—
	Due after one year through five years	—		—
	Due after five years through ten years	1,000		944
	Due after ten years	—		—
		$	1,000	$	944
Held-to-maturity Securities [Table Text Block]	'
	Maturities of debt securities classified held-to-maturity were as follows:
		30-Sep-14
		AMORTIZED		FAIR
		COST		VALUE
	Held-to-maturity:
	Due under one year	$	19,297	$	19,297
	Due after one year through five years	—		—
	Due after five years through ten years	—		—
	Due after ten years	—		—
		$	19,297	$	19,297

Fair_Value_Tables

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair value, asset & liabilities measured on recurring basis [Table Text Block]	'
	The following table presents the placement in the fair value hierarchy of assets and liabilities that are measured at fair value on a recurring basis:
		AS OF SEPTEMBER 30, 2014
		FAIR VALUE			LEVEL 1			LEVEL 2		LEVEL 3
	Assets
	Municipal bond	944			—			944		—
	Money market funds	$	50,500		$	50,500		$	—	$	—
	Total	$	51,444		$	50,500		$	944	$	—
		AS OF DECEMBER 31, 2013
		FAIR VALUE			LEVEL 1			LEVEL 2		LEVEL 3
	Assets
	Restricted cash	$	3,000		$	3,000		$	—	$	—
	Municipal bond	832			—			832		—
	Total	$	3,832		$	3,000		$	832	$	—
	Liabilities
	Warrant liabilities	$	4,900		$	—		$	—	$	4,900
	Total	$	4,900		$	—		$	—	$	4,900
Fair value, assets measured on recurring basis, unobservable input reconciliation [Table Text Block]	'
	A rollforward of activity in liabilities valued using Level 3 inputs is as follows:
		WARRANT LIABILITIES
		2014			2013
	Balance at January 1,	$	4,900		$	551
	Issuance of warrants	—			44
	Change in fair value upon remeasurement	1,219			98
	Balance at March 31,	6,119			693
	Settlement of warrant liability upon exercise	(999		)	—
	Change in fair value upon remeasurement	(740		)	28
	Balance at June 30,	$	4,380		$	721
	Issuance of warrants	1,123			—
	Settlement of warrant liability upon exercise	(270		)	—
	Change in fair value upon remeasurement	(2,053		)	3
	Reclassification to stockholders' equity	(3,180		)	—
	Balance at September 30,	—			724
Fair value inputs, warrant liabilities, quantitative information [Table Text Block]	'
	•	Warrant liabilities: These liabilities are valued using the Black-Scholes-Merton option-pricing model using certain unobservable inputs that are estimated by the Company. These inputs include a measure of volatility using an average of peer companies’ publicly traded stock volatility, expected dividend payments based on management’s assertion that no dividends will be paid in the near term, the remaining contractual term and a discount rate using an average equivalent bond yield calculation. The range of inputs used is as follows:
		THREE MONTHS ENDED			NINE MONTHS ENDED
		SEPTEMBER 30,			SEPTEMBER 30,
		2014		2013	2014		2013
	Expected volatility	40%-41%		38%-40%	34%-46%		35%-46%
	Expected dividends	—%		—%	—%		—%
	Risk-free rate	1.69%-1.71%		1.01%-2.02%	0.03%-2.02%		0.10%-2.02%
	Term	3.5-5.0 years		4.3-6.5 years	0.1-6.0 years		0.6-7.0 years

Debt_Tables

Debt (Tables)	9 Months Ended
	Sep. 30, 2014
Debt Disclosure [Abstract]	'
Schedule of Debt [Table Text Block]	'
	The Company's outstanding debt at September 30, 2014 was as follows:
		BALANCE	INTEREST RATE	MATURITY
	Line of credit	$14,900	5%	July 23, 2016

Stockbased_Compensation_Tables

Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	'
	The following table presents information regarding options granted, exercised and forfeited for the periods presented:
		NUMBER		WEIGHTED-			AGGREGATE
		OF		AVERAGE			INTRINSIC
		OPTIONS		EXERCISE			VALUE
				PRICE
	December 31, 2013	4,663,445		$	2.12		$	30,406
	Granted	665,100		10.04
	Exercised	(138,878	)	1.16			1,020
	Forfeited	(107,167	)	5.16
	30-Sep-14	5,082,500		3.12			28,332
	As of September 30, 2014, the stock options outstanding had a remaining contractual life of 7.0 years.
		NUMBER		WEIGHTED-			WEIGHTED-			WEIGHTED-		AGGREGATE
		OF		AVERAGE			AVERAGE			AVERAGE		INTRINSIC
		OPTIONS		FAIR VALUE			EXERCISE			REMAINING		VALUE
							PRICE			CONTRACTUAL
										TERM
										(IN YEARS)
	Vested and exercisable at December 31, 2013	2,719,609		$	1.32		$	1.38		6.03		$	19,908
	Vested and exercisable at September 30, 2014	3,418,197		1.47			1.63			6.06		23,497
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	The following table presents information regarding options granted, exercised and forfeited for the periods presented:
		NUMBER		WEIGHTED-			AGGREGATE
		OF		AVERAGE			INTRINSIC
		OPTIONS		EXERCISE			VALUE
				PRICE
	December 31, 2013	4,663,445		$	2.12		$	30,406
	Granted	665,100		10.04
	Exercised	(138,878	)	1.16			1,020
	Forfeited	(107,167	)	5.16
	30-Sep-14	5,082,500		3.12			28,332
	As of September 30, 2014, the stock options outstanding had a remaining contractual life of 7.0 years.
		NUMBER		WEIGHTED-			WEIGHTED-			WEIGHTED-		AGGREGATE
		OF		AVERAGE			AVERAGE			AVERAGE		INTRINSIC
		OPTIONS		FAIR VALUE			EXERCISE			REMAINING		VALUE
							PRICE			CONTRACTUAL
										TERM
										(IN YEARS)
	Vested and exercisable at December 31, 2013	2,719,609		$	1.32		$	1.38		6.03		$	19,908
	Vested and exercisable at September 30, 2014	3,418,197		1.47			1.63			6.06		23,497
	Stock-based compensation expense includes stock options and restricted stock granted to employees and non-employees and has been reported in the Company’s statements of operations in claims expenses, other cost of revenue, sales and marketing, technology and development, and general and administrative expenses depending on the function performed by the employee or non-employee. During the third quarter of 2014, 116,877 shares of restricted stock, which were subject to a performance condition relating to the Company's IPO, vested resulting in $1,433 of expense included in general and administrative expense in the consolidated statement of operations. The Company measures compensation expense on a straight-line basis except for the restricted stock with the performance condition which is measured on a graded vesting schedule. The remaining 584,385 shares of unvested restricted stock related to this agreement are expected to vest over the remaining service term of approximately 5 years.
	As of September 30, 2014, the Company had unrecognized stock-based compensation of $8,169 related to stock options and restricted stock held by employees and non-employees, which is expected to vest over a weighted-average period of approximately 3.2 years. As of September 30, 2014, the Company had 1,664,303 unvested stock options and 595,665 restricted stock awards that are expected to vest. No net tax benefits related to the stock-based compensation costs have been recognized since the Company’s inception. The expense recognized in each category is provided in the table below:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	Claims expenses	$	60		$	44		$	168		$	116
	Other cost of revenue	18			12			55			28
	Sales and marketing	115			147			408			492
	Technology and development	110			84			306			249
	General and administrative	1,698			191			2,257			479
	Total stock-based compensation	$	2,001		$	478		$	3,194		$	1,364
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Table Text Block]	'
	Stock-based compensation expense includes stock options and restricted stock granted to employees and non-employees and has been reported in the Company’s statements of operations in claims expenses, other cost of revenue, sales and marketing, technology and development, and general and administrative expenses depending on the function performed by the employee or non-employee. During the third quarter of 2014, 116,877 shares of restricted stock, which were subject to a performance condition relating to the Company's IPO, vested resulting in $1,433 of expense included in general and administrative expense in the consolidated statement of operations. The Company measures compensation expense on a straight-line basis except for the restricted stock with the performance condition which is measured on a graded vesting schedule. The remaining 584,385 shares of unvested restricted stock related to this agreement are expected to vest over the remaining service term of approximately 5 years.
	As of September 30, 2014, the Company had unrecognized stock-based compensation of $8,169 related to stock options and restricted stock held by employees and non-employees, which is expected to vest over a weighted-average period of approximately 3.2 years. As of September 30, 2014, the Company had 1,664,303 unvested stock options and 595,665 restricted stock awards that are expected to vest. No net tax benefits related to the stock-based compensation costs have been recognized since the Company’s inception. The expense recognized in each category is provided in the table below:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	Claims expenses	$	60		$	44		$	168		$	116
	Other cost of revenue	18			12			55			28
	Sales and marketing	115			147			408			492
	Technology and development	110			84			306			249
	General and administrative	1,698			191			2,257			479
	Total stock-based compensation	$	2,001		$	478		$	3,194		$	1,364

Segments_Tables

Segments (Tables)	9 Months Ended
	Sep. 30, 2014
Segment Reporting [Abstract]	'
Revenue and Gross Profit from Segments [Table Text Block]	'
	The Company has two segments: subscription business and other business. The subscription business segment includes monthly subscriptions related to the Company’s medical plan, while the other business segment includes all other business, including policies written for third parties and policies written under a federal government program. The chief operating decision maker uses two measures to evaluate segment performance: revenue and gross profit. Corporate operating expenses, interest and other expenses, and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets.
	Revenue and gross profit of the Company’s segments were as follows:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	Revenue:
	Subscription business	$	27,517		$	20,007		$	75,965		$	55,392
	Other business	2,795			2,127			8,077			4,426
		30,312			22,134			84,042			59,818
	Claims expenses:
	Subscription business	20,611			14,002			54,534			38,442
	Other business	1,197			808			3,285			1,878
		21,808			14,810			57,819			40,320
	Other cost of revenue:
	Subscription business	2,793			2,115			7,990			5,847
	Other business	1,266			1,090			3,882			2,095
		4,059			3,205			11,872			7,942
	Gross profit:
	Subscription business	4,113			3,890			13,441			11,103
	Other business	332			229			910			453
		4,445			4,119			14,351			11,556
	Sales and marketing	2,934			2,013			8,390			6,853
	Technology and development	2,532			1,156			7,285			3,191
	General and administrative	4,385			2,033			10,463			5,982
	Operating loss	$	(5,406	)	$	(1,083	)	$	(11,787	)	$	(4,470	)
Revenue from External Customers by Geographic Areas [Table Text Block]	'
	The following table presents the Company’s revenue by geographic region of the member:
		THREE MONTHS ENDED						NINE MONTHS ENDED
		SEPTEMBER 30,						SEPTEMBER 30,
		2014			2013			2014			2013
	United States	$	22,609		$	15,765		$	62,430		$	41,467
	Canada	7,703			6,369			21,612			18,351
	Total revenue	$	30,312		$	22,134		$	84,042		$	59,818

Nature_of_Operations_and_Summa3

Nature of Operations and Summary of Significant Accounting Policies (Details) Narrative (USD $)

0 Months Ended

3 Months Ended

9 Months Ended

In Thousands, except Share data, unless otherwise specified

Jul. 23, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2013

Sep. 30, 2014

Sep. 30, 2013

Jul. 23, 2014

Jul. 22, 2014

Dec. 31, 2013

Class of Stock [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

Shares of common stock issued in initial public offering

'

'

'

'

'

'

'

'

'

8,193,750

'

'

Fair value adjustment of warrants

'

($2,053)

($740)

$1,219

$3

$28

$98

($1,574)

$129

'

'

'

Preferred shares converted into common shares

'

14,944,945

'

'

'

'

'

14,944,945

'

'

'

'

Exchangeable shares converted into common shares

'

2,247,130

'

'

'

'

'

2,247,130

'

'

'

'

Warrants outstanding

'

'

'

'

'

'

'

'

'

869,999

1,164,085

'

Common Shares from conversion of preferred warrants

'

'

'

'

'

'

'

'

'

25,170

'

'

Warrants issued

'

415,646

'

'

'

'

'

415,646

'

'

'

'

Weighted-average shares, if-converted with initial public offering

'

27,135,340

'

'

'

'

'

26,900,033

'

'

'

'

Warrants converted into preferred shares

'

'

'

'

'

'

'

'

'

25,170

'

'

Proceeds from issuance initial public offering

72,778

'

'

'

'

'

'

72,946

0

'

'

'

Uncertain tax position reduction

'

'

'

'

'

'

'

53

'

'

'

'

Deferred offering costs

'

0

'

'

'

'

'

0

'

'

'

54

IPO [Member]

'

'

'

'

'

'

'

'

'

'

'

'

Class of Stock [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

Sale of stock, price per share

$10

'

'

'

'

'

'

'

'

10

'

'

Common Stock [Member]

'

'

'

'

'

'

'

'

'

'

'

'

Class of Stock [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

Fair value adjustment of warrants

'

2,040

'

'

'

'

'

'

'

'

'

'

Preferred Stock [Member]

'

'

'

'

'

'

'

'

'

'

'

'

Class of Stock [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

Fair value adjustment of warrants

'

$14

'

'

'

'

'

'

'

'

'

'

Nature_of_Operations_and_Summa4

Nature of Operations and Summary of Significant Accounting Policies (Details) OCI (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'	'	'	'	'	'	'
Accumulated other comprehensive loss: unrealized loss on available for sale securities	($56)	($73)	($133)	'	($56)	'	($168)
Accumulated other comprehensive loss: foreign currency gain	53	28	55	'	53	'	4
Available-for-sale securities, gross unrealized loss	17	60	35	'	'	'	'
Unrealized foreign currency gain (loss)	$25	($27)	$51	($29)	$49	$29	'

Net_Loss_per_Share_Details_Sch

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share

Jul. 23, 2014

Jul. 22, 2014

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Stock options

Stock options

Restricted stock

Restricted stock

Warrants

Warrants

Series A convertible preferred stock

Series A convertible preferred stock

Series B convertible preferred stock

Series B convertible preferred stock

Series C convertible preferred stock

Series C convertible preferred stock

Exchangeable shares

Exchangeable shares

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Common shares attributable to dilutive effect of stock options

'

'

5,082,500

4,597,782

'

'

'

'

'

'

'

'

'

'

'

'

Common shares attributable to dilutive effect of restricted stock

'

'

'

'

595,665

730,149

'

'

'

'

'

'

'

'

'

'

Common shares attributable to dilutive effect of warrants

869,999

1,164,085

'

'

'

'

869,999

135,672

'

'

'

'

'

'

'

'

Common shares attributable to dilutive effect of preferred stock

'

'

'

'

'

'

'

'

0

7,466,283

0

3,546,384

0

3,845,322

'

'

Common shares attributable to dilutive effect of exchangeable shares

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

2,247,130

Investment_Securities_Details_

Investment Securities (Details) Investment Schedule (USD $)	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investment [Line Items]	'	'	'	'
Held-to-maturity securities, amortized cost	$19,297	'	'	$16,088
Held-to-maturity securities, gross unrealized holding gains	0	'	'	0
Held-to-maturity securities, gross unrealized holding losses	0	'	'	0
Held-to-maturity securities, fair value	19,297	'	'	16,088
Available-for-sale securities, amortized cost	1,000	'	'	1,000
Available-for-sale securities, gross unrealized holding losses	0	'	'	'
Available-for-sale securities, gross unrealized holding losses	56	73	133	168
Available-for-sale securities, fair value	944	'	'	832
Municipal bond	'	'	'	'
Investment [Line Items]	'	'	'	'
Available-for-sale securities, amortized cost	1,000	'	'	1,000
Available-for-sale securities, gross unrealized holding losses	0	'	'	'
Available-for-sale securities, gross unrealized holding losses	56	'	'	168
Available-for-sale securities, fair value	944	'	'	832
U.S. Treasury securities	'	'	'	'
Investment [Line Items]	'	'	'	'
Held-to-maturity securities, amortized cost	5,777	'	'	5,778
Held-to-maturity securities, gross unrealized holding gains	0	'	'	0
Held-to-maturity securities, gross unrealized holding losses	0	'	'	0
Held-to-maturity securities, fair value	5,777	'	'	5,778
Certificates of deposit	'	'	'	'
Investment [Line Items]	'	'	'	'
Held-to-maturity securities, amortized cost	700	'	'	2,700
Held-to-maturity securities, gross unrealized holding gains	0	'	'	0
Held-to-maturity securities, gross unrealized holding losses	0	'	'	0
Held-to-maturity securities, fair value	700	'	'	2,700
US government debt securities	'	'	'	'
Investment [Line Items]	'	'	'	'
Held-to-maturity securities, amortized cost	12,820	'	'	7,610
Held-to-maturity securities, gross unrealized holding gains	0	'	'	0
Held-to-maturity securities, gross unrealized holding losses	0	'	'	0
Held-to-maturity securities, fair value	$12,820	'	'	$7,610

Investment_Securities_Details_1

Investment Securities (Details) Narrative (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investments, Debt and Equity Securities [Abstract]	'	'
Available-for-sale securities, continuous unrealized loss position, fair value	$56	$168
Available-for-sale securities, debt maturities, fair value	$944	$832

Investment_Securities_Details_2

Investment Securities (Details) Held-to-Maturity (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investments, Debt and Equity Securities [Abstract]	'	'
Held-to-maturity securities, debt maturities, within one year, net carrying amount	$19,297	'
Held-to-maturity securities, debt maturities, within one year, fair value	19,297	'
Held-to-maturity securities, debt maturities, year two through five, net carrying amount	0	'
Held-to-maturity securities, debt maturities, year two through five, fair value	0	'
Held-to-maturity securities, debt maturities, year six through ten, net carrying amount	0	'
Held-to-maturity securities, debt maturities, year six through ten, fair value	0	'
Held-to-maturity securities, debt maturities, after ten years, net carrying amount	0	'
Held-to-maturity securities, debt maturities, after ten years, fair value	0	'
Held-to-maturity securities, amortized cost	19,297	16,088
Held-to-maturity securities, fair value	$19,297	$16,088

Investment_Securities_Details_3

Investment Securities (Details) Available-for-Sale (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investments, Debt and Equity Securities [Abstract]	'	'
Available-for-sale securities, debt maturities, next twelve months, amortized cost basis	$0	'
Available-for-sale securities, debt maturities, next twelve months, fair value	0	'
Available-for-sale securities, debt maturities, year two through five, amortized cost basis	0	'
Available-for-sale securities, debt maturities, year two through five, fair value	0	'
Available-for-sale securities, debt maturities, year six through ten, amortized cost basis	1,000	'
Available-for-sale securities, debt maturities, year six through ten, fair value	944	'
Available-for-sale securities, debt maturities, after ten years, amortized cost basis	0	'
Available-for-sale securities, debt maturities, after ten years, fair value	0	'
Available-for-sale securities, amortized cost	1,000	1,000
Available-for-sale securities, debt maturities, fair value	$944	$832

Fair_Value_Details_Unobservabl

Fair Value (Details) Unobservable (USD $)	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Marketable Securities, Noncurrent	$944	'	'	$832	'	'	'	'
Assets, Fair Value Disclosure	51,444	'	'	3,832	'	'	'	'
Warrants and Rights Outstanding	0	4,380	6,119	4,900	724	721	693	551
Financial and Nonfinancial Liabilities, Fair Value Disclosure	'	'	'	4,900	'	'	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Assets, Fair Value Disclosure	50,500	'	'	3,000	'	'	'	'
Warrants and Rights Outstanding	'	'	'	0	'	'	'	'
Financial and Nonfinancial Liabilities, Fair Value Disclosure	'	'	'	0	'	'	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Assets, Fair Value Disclosure	944	'	'	832	'	'	'	'
Warrants and Rights Outstanding	'	'	'	0	'	'	'	'
Financial and Nonfinancial Liabilities, Fair Value Disclosure	'	'	'	0	'	'	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Assets, Fair Value Disclosure	0	'	'	0	'	'	'	'
Warrants and Rights Outstanding	'	'	'	4,900	'	'	'	'
Financial and Nonfinancial Liabilities, Fair Value Disclosure	'	'	'	4,900	'	'	'	'
Money Market Funds [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Cash and Cash Equivalents, Fair Value Disclosure	50,500	'	'	'	'	'	'	'
Restricted Cash and Cash Equivalents	'	'	'	3,000	'	'	'	'
Money Market Funds [Member] | Fair Value, Inputs, Level 1 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Cash and Cash Equivalents, Fair Value Disclosure	50,500	'	'	'	'	'	'	'
Restricted Cash and Cash Equivalents	'	'	'	3,000	'	'	'	'
Money Market Funds [Member] | Fair Value, Inputs, Level 2 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Cash and Cash Equivalents, Fair Value Disclosure	0	'	'	'	'	'	'	'
Restricted Cash and Cash Equivalents	'	'	'	0	'	'	'	'
Money Market Funds [Member] | Fair Value, Inputs, Level 3 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Cash and Cash Equivalents, Fair Value Disclosure	0	'	'	'	'	'	'	'
Restricted Cash and Cash Equivalents	'	'	'	0	'	'	'	'
Municipal bond	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Marketable Securities, Noncurrent	944	'	'	832	'	'	'	'
Municipal bond | Fair Value, Inputs, Level 1 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Marketable Securities, Noncurrent	0	'	'	0	'	'	'	'
Municipal bond | Fair Value, Inputs, Level 2 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Marketable Securities, Noncurrent	944	'	'	832	'	'	'	'
Municipal bond | Fair Value, Inputs, Level 3 [Member]	'	'	'	'	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'
Marketable Securities, Noncurrent	$0	'	'	$0	'	'	'	'

Fair_Value_Details_Narrative

Fair Value (Details) Narrative (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Term Loan, 11% Interest Rate [Member] | Subordinated Debt [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Long-term Debt, Fair Value	$12,000
Term Loan, 5.5% Interest Rate [Member] | Secured Debt [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Long-term Debt, Fair Value	$3,000

Fair_Value_Details_Rollforward

Fair Value (Details) Rollforward of Level 3 (USD $)	3 Months Ended						9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012
Fair Value Disclosures [Abstract]	'	'	'	'	'	'	'	'	'	'
Warrant liabilities	$0	$4,380	$6,119	$724	$721	$693	$0	$724	$4,900	$551
Stock and warrants issued during period (in shares)	1,123	'	0	0	'	44	'	'	'	'
Settlement of warrant liability awards	-270	-999	'	0	0	'	1,270	0	'	'
Adjustments to additional paid-in capital, warrants issued	-3,180	'	'	0	'	'	'	'	'	'
Fair value adjustment of warrants	($2,053)	($740)	$1,219	$3	$28	$98	($1,574)	$129	'	'

Fair_Value_Details_Parenthetic

Fair Value (Details) Parenthetical	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'
Fair Value Assumptions, Expected Dividend Rate	0.00%	0.00%	0.00%	0.00%
Minimum [Member]	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'
Fair Value Assumptions, Expected Volatility Rate	40.00%	38.00%	34.00%	35.00%
Fair Value Assumptions, Risk Free Interest Rate	1.69%	1.01%	0.03%	0.10%
Fair Value Assumptions, Expected Term	'3 years 6 months 0 days	'9 months 11 days	'1 month 11 days	'9 months 11 days
Maximum [Member]	'	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'
Fair Value Assumptions, Expected Volatility Rate	41.00%	40.00%	46.00%	46.00%
Fair Value Assumptions, Risk Free Interest Rate	1.71%	2.02%	2.02%	2.02%
Fair Value Assumptions, Expected Term	'5 years 0 months 0 days	'6 years 9 months 11 days	'6 months 11 days	'7 months 11 days

Debt_Details_Schedule_of_Debt

Debt (Details) Schedule of Debt (USD $)	Dec. 31, 2013	Sep. 30, 2014
In Thousands, unless otherwise specified		Line of Credit [Member]
		Line of Credit Due 2016 [Member]
Debt Instrument [Line Items]	'	'
Principal	'	$14,900
Debt instrument, interest rate, stated percentage	0.00%	5.00%
Maturity	'	23-Jul-16

Debt_Details_Narrative

Debt (Details) Narrative (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Mar. 31, 2013	Sep. 30, 2014	Sep. 30, 2013	Jul. 23, 2014	Jul. 02, 2014	Dec. 31, 2013	Jul. 23, 2014	Jun. 30, 2014	Dec. 31, 2013
								Subordinated Debt [Member]	Subordinated Debt [Member]	Subordinated Debt [Member]
								Term Loan, 11% Interest Rate [Member]	Term Loan, 11% Interest Rate [Member]	Term Loan, 11% Interest Rate [Member]
Debt Instrument [Line Items]	'	'	'	'	'	'	'	'	'	'
Line of credit facility, interest rate description	'	'	'greater of 5.0% or 1.5% plus the prime rate	'	'	'	'	'	'	'
Compensating balance	$500	'	$500	'	'	'	'	'	'	'
Line of credit facility, maximum borrowing capacity	'	'	'	'	'	'	15,000	'	'	'
Proceeds from issuance of debt	17,000	3,000	17,000	3,700	'	'	'	'	'	'
Term loan, interest rate description	'	'	'greater of 5.5% or 2.0% plus the prime rate	'	'	'	'	'	'	'
Long-term debt	'	'	'	'	'	'	'	29,000	12,000	12,000
Unamortized loan commitment and origination fees and unamortized discounts or premiums	'	'	'	'	'	1,123	3,801	'	'	'
Debt instrument, interest rate, stated percentage	'	'	'	'	'	'	0.00%	'	'	'
Prepayment penalty rate on subordinated debt	'	'	'	'	1.50%	'	'	'	'	'
Debt instrument, increase, accrued interest	'	'	895	'	'	'	'	'	'	'
Payments of debt extinguishment costs	255	'	'	'	'	'	'	'	'	'
Amortization of debt discount (premium)	$4,418	'	$4,925	$14	'	'	'	'	'	'

Commitment_and_Contingencies_D

Commitment and Contingencies (Details) Narrative (USD $)	Sep. 30, 2014
In Thousands, unless otherwise specified
Commitments and Contingencies Disclosure [Abstract]	'
GST/HST tax accrual	$983
Loss contingency accrual	$100

Stockbased_Compensation_Detail

Stock-based Compensation (Details) Options Granted, Exercised and Forfeited (USD $)	9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Stock-based Compensation	'	'
Stock-based compensation, options, forfeited, weighted-average exercise price	$5.16	'
Stock-based compensation, options, outstanding, number of shares	5,082,500	4,663,445
Stock-based compensation, options, outstanding, weighted-average exercise price	$3.12	$2.12
Stock-based compensation, options, outstanding, aggregate intrinsic value	$28,332	$30,406
Stock-based compensation, options, granted, number of options	665,100	'
Stock-based compensation, options, granted, weighted-average exercise price	$10.04	'
Stock-based compensation, options, exercised, weighted-average exercise price	$1.16	'
Stock-based compensation, options, exercised	-138,878	'
Stock-based compensation, options, exercised, aggregate intrinsic value	$1,020	'
Stock-based compensation, options, forfeited	-107,167	'

Stockbased_Compensation_Detail1

Stock-based Compensation (Details) Vested and Expected to Vest (USD $)	9 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'	'
Number of options	3,418,197	2,719,609
Weighted-average fair value	$1.47	$1.32
Weighted-average exercise price	$1.63	$1.38
Weighted-average remaining contractual term (in years)	'6 years 0 months 22 days	'6 years 0 months 11 days
Aggregate intrinsic value	$23,497	$19,908

Stockbased_Compensation_Detail2

Stock-based Compensation (Details) Expense Category (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	$2,001	$478	$3,194	$1,364
Claims expense	'	'	'	'
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	60	44	168	116
Other cost of revenue	'	'	'	'
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	18	12	55	28
Sales and marketing	'	'	'	'
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	115	147	408	492
Technology and development	'	'	'	'
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	110	84	306	249
General and administrative	'	'	'	'
Stock-based Compensation	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	$1,698	$191	$2,257	$479

Stockbased_Compensation_Detail3

Stock-based Compensation (Details) Narrative (USD $)	3 Months Ended	9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'	'
Restricted Shares Vested Contingent on Initial Public Offering	116,877	116,877
Restricted Stock Expense for Chief Executive Officer	$1,433	'
Unvested Portion of Restricted Stock Grant with IPO Performance Condition	584,385	584,385
Employee service share-based compensation, nonvested awards, compensation cost not yet recognized	$8,169	$8,169
Remaining contractual life, share-based payments, weighted average	'	'6 years 11 months 16 days
Share-based compensation arrangement , non-employee, weighted average remaining vesting period	'	'3 years 2 months 15 days
Share-based compensation arrangement by share-based payment award, options, nonvested, number of shares	1,664,303	1,664,303
Restricted stock, expected to vest	'	595,665

Segments_Details_Business_Segm

Segments (Details) Business Segment (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Segment Reporting Information [Line Items]	'	'	'	'
Revenue	$30,312	$22,134	$84,042	$59,818
Claims expenses	21,808	14,810	57,819	40,320
Other cost of revenue	4,059	3,205	11,872	7,942
Gross profit	4,445	4,119	14,351	11,556
Sales and marketing	2,934	2,013	8,390	6,853
Technology and development	2,532	1,156	7,285	3,191
General and administrative	4,385	2,033	10,463	5,982
Operating loss	-5,406	-1,083	-11,787	-4,470
Subscription business	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'
Revenue	27,517	20,007	75,965	55,392
Claims expenses	20,611	14,002	54,534	38,442
Other cost of revenue	2,793	2,115	7,990	5,847
Gross profit	4,113	3,890	13,441	11,103
Other business	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'
Revenue	2,795	2,127	8,077	4,426
Claims expenses	1,197	808	3,285	1,878
Other cost of revenue	1,266	1,090	3,882	2,095
Gross profit	$332	$229	$910	$453

Segments_Details_Revenue_by_Ge

Segments (Details) Revenue by Geography (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Segment Reporting Information [Line Items]	'	'	'	'
Revenues	$30,312	$22,134	$84,042	$59,818
CANADA	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'
Revenues	7,703	6,369	21,612	18,351
UNITED STATES	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'
Revenues	$22,609	$15,765	$62,430	$41,467