Trupanion (TRUP) 10-Q 4 Aug 22 2022 Q2 Quarterly report Financial data

Cover Page Document

Cover Page Document - shares	6 Months Ended
	Jun. 30, 2022	Jul. 28, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
Document Transition Report	false
Entity File Number	001-36537
Entity Registrant Name	TRUPANION, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	83-0480694
Entity Address, Address Line One	6100 4th Avenue S, Suite 400
Entity Address, City or Town	Seattle,
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98108
City Area Code	(855)
Local Phone Number	727 - 9079
Title of 12(b) Security	Common stock, $0.00001 par value per share
Trading Symbol	TRUP
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		40,746,174
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

Consolidated Statement of Opera

Consolidated Statement of Operations - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Income Statement [Abstract]
Revenues	$ 219,411	$ 168,260	$ 425,410	$ 322,945
Claims Expense	157,616	118,282	302,542	228,152
Other Cost of Services Sold	33,212	25,433	64,391	49,148
Cost of Revenue	190,828	143,715	366,933	277,300
Technology and Development Expense	6,396	4,079	11,625	7,810
General and Administrative Expense	9,227	7,435	18,593	14,651
Selling and Marketing Expense	22,982	19,390	44,609	39,094
Depreciation, Depletion and Amortization	2,707	3,158	5,424	6,251
Operating Expenses	41,312	34,062	80,251	67,806
Income (Loss) from Equity Method Investments	(42)	5	(111)	(80)
Operating Income (Loss), Total	(12,771)	(9,512)	(21,885)	(22,241)
Interest Expense	1,193	3	1,272	1
Other Nonoperating Income (Expense)	(365)	(99)	(679)	(161)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	(13,599)	(9,416)	(22,478)	(22,081)
Income Tax Expense (Benefit)	19	(195)	(5)	(412)
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (13,618)	$ (9,221)	$ (22,473)	$ (21,669)
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share, Basic	$ (0.33)	$ (0.23)	$ (0.55)	$ (0.54)
Earnings Per Share, Diluted	$ (0.33)	$ (0.23)	$ (0.55)	$ (0.54)
Weighted Average Number of Shares Outstanding, Basic	40,738,738	40,142,872	40,660,797	39,922,885
Weighted Average Number of Shares Outstanding, Diluted	40,738,738	40,142,872	40,660,797	39,922,885

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Comprehensive Income [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (13,618)	$ (9,221)	$ (22,473)	$ (21,669)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,349)	373	(4,247)	991
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(1)	1	(1)	1
Other Comprehensive Income (Loss), Net of Tax, Total	(3,350)	374	(4,248)	992
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$ (16,968)	$ (8,847)	$ (26,721)	$ (20,677)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and Cash Equivalents, at Carrying Value	$ 101,615	$ 87,400
Short-term Investments	141,420	126,012
Accounts and Other Receivables, Net, Current	204,249	165,217
Prepaid Expense and Other Assets	15,248	12,325
Assets, Current, Total	462,532	390,954
Restricted Cash and Cash Equivalents	13,472	13,469
Marketable Securities, Noncurrent	7,716	7,061
Property, Plant and Equipment, Net	83,041	77,950
Intangible Assets, Net (Excluding Goodwill)	19,758	22,663
Other Assets, Noncurrent	19,246	17,776
Goodwill	29,405	32,709
Assets, Total	635,170	562,582
Liabilities and Equity [Abstract]
Accounts Payable, Current	6,477	8,952
Accrued Liabilities, Current	31,175	28,162
Liability for Claims and Claims Adjustment Expense	36,637	39,671
Deferred Revenue	185,292	146,911
Long-term Debt, Current Maturities	609	0
Liabilities, Current, Total	260,190	223,696
Long-term Debt, Excluding Current Maturities	53,623	0
Deferred Income Tax Liabilities, Net	2,480	2,827
Other Liabilities, Noncurrent	4,123	3,859
Liabilities, Total	320,416	230,382
Common Stock, Value, Outstanding	0	0
Preferred Stock, Value, Outstanding	0	0
Additional Paid in Capital	481,818	466,792
Accumulated Other Comprehensive Income (Loss), Net of Tax	(1,171)	3,077
Retained Earnings (Accumulated Deficit)	(149,363)	(126,890)
Treasury Stock, Value	(16,530)	(10,779)
Stockholders' Equity Attributable to Parent	314,754	332,200
Liabilities and Equity	$ 635,170	$ 562,582

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 355,000	$ 342,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	41,773,422	41,408,350
Common Stock, Shares, Outstanding	40,745,298	40,475,185
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Treasury Stock, Shares	1,028,124	933,165

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2020		39,450,807
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2020	$ 339,939	$ 0	$ 439,007	$ (91,360)	$ 3,071	$ (10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		780,248
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(325)		(325)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	15,268		15,268
Other Comprehensive Income (Loss), Net of Tax	992				992
Net Income (Loss) Available to Common Stockholders, Basic	(21,669)			(21,669)
Common Stock, Shares, Outstanding, Ending Balance at Jun. 30, 2021		40,231,055
Stockholders' Equity Attributable to Parent, Ending Balance at Jun. 30, 2021	334,205	$ 0	453,950	(113,029)	4,063	(10,779)
Common Stock, Shares, Outstanding, Beginning Balance at Mar. 31, 2021		40,056,406
Stockholders' Equity Attributable to Parent, Beginning Balance at Mar. 31, 2021	336,077	$ 0	446,975	(103,808)	3,689	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		174,649
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(318)		(318)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	6,657		6,657
Other Comprehensive Income (Loss), Net of Tax	374				374
Net Income (Loss) Available to Common Stockholders, Basic	(9,221)			(9,221)
Common Stock, Shares, Outstanding, Ending Balance at Jun. 30, 2021		40,231,055
Stockholders' Equity Attributable to Parent, Ending Balance at Jun. 30, 2021	$ 334,205	$ 0	453,950	(113,029)	4,063	(10,779)
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2021	40,475,185	40,475,185
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2021	$ 332,200	$ 0	466,792	(126,890)	3,077	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		365,072
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(1,759)		(1,759)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	$ 16,785		16,785
Treasury Stock, Shares, Acquired	(94,959)	(94,959)
Treasury Stock, Value, Acquired, Cost Method	$ (5,751)					5,751
Other Comprehensive Income (Loss), Net of Tax	(4,248)				(4,248)
Net Income (Loss) Available to Common Stockholders, Basic	$ (22,473)			(22,473)
Common Stock, Shares, Outstanding, Ending Balance at Jun. 30, 2022	40,745,298	40,745,298
Stockholders' Equity Attributable to Parent, Ending Balance at Jun. 30, 2022	$ 314,754	$ 0	481,818	(149,363)	(1,171)	(16,530)
Common Stock, Shares, Outstanding, Beginning Balance at Mar. 31, 2022		40,711,491
Stockholders' Equity Attributable to Parent, Beginning Balance at Mar. 31, 2022	328,533	$ 0	472,878	(135,745)	2,179	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		128,766
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(60)		(60)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	9,000		9,000
Treasury Stock, Shares, Acquired		(94,959)
Treasury Stock, Value, Acquired, Cost Method	(5,751)					5,751
Other Comprehensive Income (Loss), Net of Tax	(3,350)				(3,350)
Net Income (Loss) Available to Common Stockholders, Basic	$ (13,618)			(13,618)
Common Stock, Shares, Outstanding, Ending Balance at Jun. 30, 2022	40,745,298	40,745,298
Stockholders' Equity Attributable to Parent, Ending Balance at Jun. 30, 2022	$ 314,754	$ 0	$ 481,818	$ (149,363)	$ (1,171)	$ (16,530)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Statement of Cash Flows [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic	$ (22,473)	$ (21,669)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation, Depletion and Amortization	5,424	6,251
Share-based Payment Arrangement, Noncash Expense	16,183	14,975
Other Operating Income (Expense), Net	(74)	(545)
Increase (Decrease) in Operating Assets [Abstract]
Increase (Decrease) in Accounts Receivable	(39,127)	(40,796)
Increase (Decrease) in Prepaid Expense and Other Assets	(2,821)	(2,092)
Increase (Decrease) in Accounts Payable and Accrued Liabilities	703	(872)
Increase (Decrease) in Claims Reserve and Loss Adjustment	(2,998)	6,870
Increase (Decrease) in Unearned Premiums	38,463	33,956
Net Cash Provided by (Used in) Operating Activities	(6,720)	(3,922)
Net Cash Provided by (Used in) Investing Activities [Abstract]
Payments to Acquire Held-to-maturity Securities	(47,368)	(43,373)
Maturities of Investment Securities	31,212	30,580
Payments to Acquire Property, Plant, and Equipment	(7,479)	(5,770)
Payments for (Proceeds from) Other Investing Activities	(1,502)	(73)
Net Cash Provided by (Used in) Investing Activities	(25,137)	(18,636)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Proceeds from Issuance of Debt	54,431	0
Repayments of Debt	(150)	0
Payments for Repurchase of Common Stock	(5,751)	0
Proceeds from Stock Options Exercised	1,171	2,358
Payment, Tax Withholding, Share-based Payment Arrangement	(2,930)	(2,751)
Net Cash Provided by (Used in) Financing Activities	46,771	(393)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	(696)	408
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	14,218	(22,543)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	100,869	146,197
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	115,087	123,654
Supplemental Cash Flow Information [Abstract]
Capital Expenditures Incurred but Not yet Paid	$ 924	$ 548

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	6 Months Ended
	Jun. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations and Summary of Significant Accounting Policies [Text Block]	Nature of Operations and Significant Accounting Policies Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics. The financial data as of December 31, 2021 was derived from the Company's audited consolidated financial statements. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) and, in management's opinion, have been prepared on the same basis as the audited financial statements and include all adjustments, consisting of normal recurring adjustments, necessary for the fair presentation of the Company's financial position, results of operations, comprehensive income (loss), stockholders' equity and cash flows for the interim periods. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s audited financial statements included in the Company’s Annual Report on Form 10-K, filed with the U.S. Securities and Exchange Commission (SEC) on February 17, 2022 (the 2021 10-K). The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three and six months ended June 30, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period. Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from such estimates. See Note 1 to the audited financial statements included in the 2021 10-K for additional discussion of these estimates and assumptions.

Earnings Per Share (Notes)

Earnings Per Share (Notes)	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	Net Income (Loss) per Share Basic net income (loss) per share is computed using the weighted average number of shares of common stock outstanding during the period. Diluted net income (loss) per share is calculated using the weighted average number of shares of common stock plus, when dilutive, potential shares of common stock outstanding using the treasury-stock method. Potential shares of common stock outstanding include stock options and restricted stock units. The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Stock options 716,537 916,434 716,537 916,434 Restricted stock units 1,261,460 1,175,228 1,261,460 1,175,228

Investment Securities (Notes)

Investment Securities (Notes)	6 Months Ended
	Jun. 30, 2022
Investments [Abstract]
Investment [Text Block]	Investments The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of June 30, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of June 30, 2022 Long-term investments: Foreign deposits $ 6,706 $ — $ — $ 6,706 Municipal bond 1,000 10 — 1,010 $ 7,706 $ 10 $ — $ 7,716 Short-term investments: U.S. Treasury securities $ 9,011 $ — $ (71) $ 8,940 Certificates of deposit 3,375 — — 3,375 U.S. government funds 129,034 — — 129,034 $ 141,420 $ — $ (71) $ 141,349 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003 Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of June 30, 2022 Amortized Fair Available-for-sale: Due after one year through five years $ 7,706 $ 7,716 $ 7,706 $ 7,716 The Company does not expect any credit losses from its held-to-maturity investments, considering the composition of the investment portfolio and the credit loss history of these investments. For available-for-sale debt securities, the Company determined that there were no unrealized losses. The Company does not intend to sell, nor is it more likely than not that the Company will be required to sell, the securities prior to maturity or prior to the recovery of the amortized cost basis.

Other Investments (Notes)

Other Investments (Notes)	6 Months Ended
	Jun. 30, 2022
Investments, All Other Investments [Abstract]
Investments and Other Noncurrent Assets [Text Block]	Other InvestmentsThe Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $5.6 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $6.1 million and $4.5 million as of June 30, 2022 and December 31, 2021, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.4 million of these services for the six months ended June 30, 2022 and 2021.

Fair Value (Notes)

Fair Value (Notes)	6 Months Ended
	Jun. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Fair Value Investments The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of June 30, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 56,860 $ 56,860 $ — $ — Fixed maturities: Foreign deposits 6,706 6,706 — — Municipal bond 1,010 — 1,010 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 73,018 $ 63,566 $ 1,010 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 32,255 $ 32,255 $ — $ — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442 The Company measures the fair value of money market funds and foreign deposits based on quoted prices in active markets for identical assets. The fair value of the municipal bond is based on either recent trades in inactive markets or quoted market prices of similar instruments and other significant inputs derived from or corroborated by observable market data. Short-term investments are carried at amortized cost, and the fair value and changes in unrealized gains (losses) are disclosed in Note 3, Investments. The fair value of these investments is determined in the same manner as available-for-sale securities and is considered a Level 1 measurement. The Company's preferred stock investment in the variable interest entity (see Note 4) is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date. The estimated fair value of the preferred stock investment is a Level 3 measurement and is based on certain unobservable inputs such as the value of the underlying enterprise, volatility, time to liquidity, and market interest rates. An increase or decrease in any of these unobservable inputs would result in a change in the fair value measurement. Estimated fair value was $8.4 million as of June 30, 2022, unchanged from December 31, 2021, recorded in other long-term assets on the Company's consolidated balance sheet. Fair Value Disclosures The Company's other long-term assets balance included notes receivable of $9.2 million and $7.6 million as of June 30, 2022 and December 31, 2021, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the six months ended June 30, 2022. The Company estimates the fair value of 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 long-term debt approximated fair value at June 30, 2022. The Company recognizes 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 six months ended June 30, 2022 and the year ended December 31, 2021.

Intangible Assets, Goodwill and

Intangible Assets, Goodwill and Other (Notes)	6 Months Ended
	Jun. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill Disclosure [Text Block]	Goodwill The following is a summary of goodwill by reportable segment for the six months ended June 30, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Effects of foreign currency (3,304) — (3,304) Balance as of June 30, 2022 $ 29,405 $ — $ 29,405

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	6 Months Ended
	Jun. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	Commitments and ContingenciesFrom time to time the Company is or may become subject to various legal proceedings arising in the ordinary course of business, including proceedings against members, other entities or regulatory bodies. Estimated liabilities are recorded when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. At this time, the Company does not believe any such matters to be material individually or in the aggregate. These views are subject to change following the outcome of future events or the results of future developments.

Claims Reserve (Notes)

Claims Reserve (Notes)	6 Months Ended
	Jun. 30, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Disclosure [Text Block]	Reserve for Veterinary InvoicesThe reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense. Reserve for veterinary invoices Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Six Months Ended June 30, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 210,149 171,795 Prior years (2,321) (816) Total veterinary invoice expense 207,828 170,979 Amounts paid during the period related to: Current year 190,348 152,382 Prior years 16,469 14,420 Total paid 206,817 166,802 Non-cash expenses 2,325 3,089 Reserve at end of period $ 21,093 $ 21,013 The Company's reserve for the subscription business segment decreased $1.3 million from $22.4 million at December 31, 2021 to $21.1 million at June 30, 2022. This change was comprised of $207.8 million in expense recorded during the period less $206.8 million in payments of veterinary invoices. The $207.8 million in veterinary invoice expense incurred included a reduction of $2.3 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the six months ended June 30, 2021, the Company's adjustment to prior year reserves was a reduction of $0.8 million as a result of analysis of payment trends. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Six Months Ended June 30, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 94,175 57,487 Prior years 539 (314) Total veterinary invoice expense 94,714 57,173 Amounts paid during the period related to: Current year 79,362 43,038 Prior years 17,072 8,296 Total paid 96,434 51,334 Non-cash expenses — — Reserve at end of period $ 15,544 $ 14,843 The Company’s reserve for the other business segment decreased $1.7 million from $17.3 million at December 31, 2021 to $15.5 million at June 30, 2022. This change was comprised of $94.7 million in expense recorded during the period less $96.4 million in payments of veterinary invoices. The $94.7 million in veterinary invoice expense incurred included an increase of $0.5 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the six months ended June 30, 2021, the Company's adjustment to decrease prior year reserves was $0.3 million as a result of analysis of payment trends. Reserve for veterinary invoices, by year of occurrence In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of June 30, 2022 Year of Occurrence 2020 and prior $ 381 2021 3,236 2022 17,476 $ 21,093 Other Business As of June 30, 2022 Year of Occurrence 2020 and prior $ — 2021 731 2022 14,813 $ 15,544

Debt (Notes)

Debt (Notes)	6 Months Ended
	Jun. 30, 2022
Debt Disclosure [Abstract]
Long-term Debt [Text Block]	Debt On March 25, 2022, the Company entered into a credit agreement that provides the Company with $150.0 million in credit (the “Credit Facility”) consisting of: (a) an initial term loan in an aggregate principal amount of $60.0 million (“Initial Term Loan”), which was funded at closing; (b) commitments for delayed draw term loans in an aggregate principal amount not in excess of $75.0 million (“Delayed Draw Term Loans”, and together with the Initial Term Loan, the “Term Loans”), which may be drawn from time to time until September 25, 2023; and (c) commitments for revolving loans in an aggregate principal amount at any time outstanding not in excess of $15.0 million (“Revolving Loans”), which may be drawn at any time prior to March 25, 2027. The Credit Facility bears interest at a floating base rate plus an applicable margin. The interest rate as of June 30, 2022 was approximately 5.76%. The Company incurred total debt issuance cost of approximately $5.8 million at closing, which is reported in the Consolidated Balance Sheet as a direct deduction from the carrying amount of the Credit Facility, and is amortized as interest expense over the term of five years. The Credit Facility is secured by substantially all assets of the Company and its subsidiaries. Proceeds from the Credit Facility may be used for permitted acquisitions and investments, working capital and other general corporate purposes. The credit agreement contains financial and other covenants . As of June 30, 2022, the Company was in compliance with all financial and non-financial covenants . To the extent not previously paid, the Initial Term Loan is due and payable on March 25, 2027, the Delayed Draw Term Loans are due and payable on the earlier of the five-year anniversary of their initial funding or March 25, 2028, and Revolving Loans are due and payable on March 25, 2027. The Company must repay 0.25% of any then-outstanding Term Loans, together with accrued and unpaid interest, on a quarterly basis. Future principal payments on outstanding borrowings as of June 30, 2022 are as follows (in thousands): Year Ending December 31, June 30, 2022 2022 $ 300 2023 600 2024 600 2025 600 2026 600 Thereafter 57,150 Total $ 59,850

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	6 Months Ended
	Jun. 30, 2022
Share-Based Payment Arrangement [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Stock-Based Compensation Stock-based compensation expense includes stock options and restricted stock units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Veterinary invoice expense $ 1,047 $ 672 $ 2,234 $ 2,971 Other cost of revenue 783 552 1,432 1,487 Technology and development 1,101 800 2,009 1,464 General and administrative 3,066 2,322 5,489 4,141 New pet acquisition expense 2,637 2,181 5,019 4,912 Total expensed stock-based compensation 8,634 6,527 16,183 14,975 Capitalized stock-based compensation 366 131 602 293 Total stock-based compensation $ 9,000 $ 6,658 $ 16,785 $ 15,268 As of June 30, 2022, the Company had 1,261,460 unvested restricted stock units. Stock-based compensation expenses of $97.9 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.9 years. Stock Options A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (88,386) 13.25 6,866 Forfeited (2,282) 19.67 — Outstanding as of June 30, 2022 716,537 13.39 33,584 Exercisable as of June 30, 2022 716,537 $ 13.39 $ 33,584 As of June 30, 2022, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 3.8 years. Restricted Stock Units A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 535,867 87.96 Vested (312,778) 76.10 Forfeited (49,256) 82.44 Unvested shares as of June 30, 2022 1,261,460 $ 83.34

Stockholders' Equity (Notes)

Stockholders' Equity (Notes)	6 Months Ended
	Jun. 30, 2022
Stockholders' Equity Attributable to Parent [Abstract]
Stockholders' Equity Note Disclosure [Text Block]	Stockholders' Equity Common Stock and Preferred Stock As of June 30, 2022, the Company had 100,000,000 shares of common stock authorized and 40,745,298 shares of common stock outstanding. Holders of common stock are entitled to one vote on each matter properly submitted to the stockholders of the Company except those related to matters concerning possible outstanding preferred stock. At June 30, 2022, the Company had 10,000,000 shares of undesignated preferred stock authorized for future issuance and did not have any outstanding shares of preferred stock. The holders of common stock are also entitled to receive dividends as and when declared by the board of directors of the Company (the Board), whenever funds are legally available. These rights are subordinate to the dividend rights of holders of any senior classes of stock outstanding at the time. The Company does not intend to declare or pay any cash dividends in the foreseeable future. Share Repurchase Program In April 2021, the Board approved a share repurchase program, pursuant to which the Company may, between May 2021 and May 2026, repurchase outstanding shares of the Company’s common stock. The Company repurchased 94,959 shares during the three and six months ended June 30, 2022.

Comprehensive Income (Loss) (No

Comprehensive Income (Loss) (Notes)	6 Months Ended
	Jun. 30, 2022
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent, Alternative [Abstract]
Comprehensive Income (Loss) Note [Text Block]	Accumulated Comprehensive Income (Loss) A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): For the three months ended June 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of March 31, 2022 $ 726 $ 1,453 $ 2,179 Other comprehensive income (loss) (3,349) (1) (3,350) Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) For the three months ended June 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of March 31, 2021 $ 2,738 $ 951 $ 3,689 Other comprehensive income (loss) 373 1 374 Balance as of June 30, 2021 $ 3,111 $ 952 $ 4,063 For the six months ended June 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (4,247) (1) (4,248) Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) For the six months ended June 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) 991 1 992 Balance as of June 30, 2021 $ 3,111 $ 952 $ 4,063

Segments (Notes)

Segments (Notes)	6 Months Ended
	Jun. 30, 2022
Segment Reporting [Abstract]
Segment Reporting Disclosure [Text Block]	Segments The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. 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. Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Subscription business: Revenue $ 145,808 $ 120,373 $ 285,647 $ 233,665 Veterinary invoice expense 107,238 87,253 207,828 170,979 Other cost of revenue 15,202 12,493 29,875 24,304 Technology and development 4,250 2,918 7,800 5,651 General and administrative 6,132 5,319 12,490 10,604 New pet acquisition expense 22,796 19,272 44,314 38,805 Depreciation and amortization 1,799 2,259 3,643 4,524 Subscription business operating loss (11,609) (9,141) (20,303) (21,202) Other business: Revenue 73,603 47,887 139,763 89,280 Veterinary invoice expense 50,378 31,029 94,714 57,173 Other cost of revenue 18,010 12,940 34,516 24,844 Technology and development 2,146 1,161 3,825 2,159 General and administrative 3,095 2,116 6,103 4,047 New pet acquisition expense 186 118 295 289 Depreciation and amortization 908 899 1,781 1,727 Other business operating income (loss) (1,120) (376) (1,471) (959) Gain (loss) from investment in joint venture (42) 5 (111) (80) Total operating loss $ (12,771) $ (9,512) $ (21,885) $ (22,241) The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 United States $ 184,790 $ 139,128 $ 357,538 $ 266,887 Canada and other 34,621 29,132 67,872 56,058 Total revenue $ 219,411 $ 168,260 $ 425,410 $ 322,945 Substantially all of the Company’s long-lived assets were located in the United States as of June 30, 2022 and December 31, 2021.

Related Parties (Notes)

Related Parties (Notes)	6 Months Ended
	Jun. 30, 2022
Related Party Transactions [Abstract]
Related Party Transactions Disclosure [Text Block]	Related PartiesIn August 2018, the Company invested $0.3 million in a limited liability entity in exchange for a 17.5% ownership interest. The investee is considered to be a related party, as the Company has the ability to exercise significant influence over the investee. In February 2020, the Company entered into a service agreement with the investee, under which the Company incurred $1.8 million and $1.6 million of expenses for consulting services provided by the investee related to pet acquisition during the six months ended June 30, 2022 and 2021, respectively, recorded as new pet acquisition expense on the Company's consolidated statement of operations.

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business Description and Basis of Presentation [Text Block]	Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics.
Basis of Accounting, Policy [Policy Text Block]	The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three and six months ended June 30, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period.
Use of Estimates [Policy Text Block]	Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from such estimates. See Note 1 to the audited financial statements included in the 2021 10-K for additional discussion of these estimates and assumptions.

Other Investments (Policies)

Other Investments (Policies)	6 Months Ended
	Jun. 30, 2022
Investments, All Other Investments [Abstract]
Consolidation, Variable Interest Entity, Policy [Policy Text Block]	The Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $5.6 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $6.1 million and $4.5 million as of June 30, 2022 and December 31, 2021, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.4 million of these services for the six months ended June 30, 2022 and 2021.

Fair Value (Policies)

Fair Value (Policies)	6 Months Ended
	Jun. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurement, Policy [Policy Text Block]	The Company's other long-term assets balance included notes receivable of $9.2 million and $7.6 million as of June 30, 2022 and December 31, 2021, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the six months ended June 30, 2022. The Company estimates the fair value of 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 long-term debt approximated fair value at June 30, 2022. The Company recognizes 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 six months ended June 30, 2022 and the year ended December 31, 2021.

Claims Reserve (Policies)

Claims Reserve (Policies)	6 Months Ended
	Jun. 30, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Liability Reserve Estimate, Policy [Policy Text Block]	The reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense.

Segments (Policies)

Segments (Policies)	6 Months Ended
	Jun. 30, 2022
Segment Reporting [Abstract]
Segment Reporting, Policy [Policy Text Block]	The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. 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.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Stock options 716,537 916,434 716,537 916,434 Restricted stock units 1,261,460 1,175,228 1,261,460 1,175,228

Investment Securities Available

Investment Securities Available-for-Sale (Tables)	6 Months Ended
	Jun. 30, 2022
Investments [Abstract]
Unrealized Gain (Loss) on Investments [Table Text Block]	The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of June 30, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of June 30, 2022 Long-term investments: Foreign deposits $ 6,706 $ — $ — $ 6,706 Municipal bond 1,000 10 — 1,010 $ 7,706 $ 10 $ — $ 7,716 Short-term investments: U.S. Treasury securities $ 9,011 $ — $ (71) $ 8,940 Certificates of deposit 3,375 — — 3,375 U.S. government funds 129,034 — — 129,034 $ 141,420 $ — $ (71) $ 141,349 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003
Debt Securities, Available-for-sale [Table Text Block]	Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of June 30, 2022 Amortized Fair Available-for-sale: Due after one year through five years $ 7,706 $ 7,716 $ 7,706 $ 7,716

Fair Value (Tables)

Fair Value (Tables)	6 Months Ended
	Jun. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of June 30, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 56,860 $ 56,860 $ — $ — Fixed maturities: Foreign deposits 6,706 6,706 — — Municipal bond 1,010 — 1,010 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 73,018 $ 63,566 $ 1,010 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 32,255 $ 32,255 $ — $ — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred shares in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442

Intangible Assets, Goodwill a_2

Intangible Assets, Goodwill and Other (Tables)	6 Months Ended
	Jun. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill [Table Text Block]	The following is a summary of goodwill by reportable segment for the six months ended June 30, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Effects of foreign currency (3,304) — (3,304) Balance as of June 30, 2022 $ 29,405 $ — $ 29,405

Claims Reserve (Tables)

Claims Reserve (Tables)	6 Months Ended
	Jun. 30, 2022
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Short-duration Insurance Contracts, Claims Development [Table Text Block]	In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of June 30, 2022 Year of Occurrence 2020 and prior $ 381 2021 3,236 2022 17,476 $ 21,093 Other Business As of June 30, 2022 Year of Occurrence 2020 and prior $ — 2021 731 2022 14,813 $ 15,544
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Six Months Ended June 30, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 210,149 171,795 Prior years (2,321) (816) Total veterinary invoice expense 207,828 170,979 Amounts paid during the period related to: Current year 190,348 152,382 Prior years 16,469 14,420 Total paid 206,817 166,802 Non-cash expenses 2,325 3,089 Reserve at end of period $ 21,093 $ 21,013
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in total liability for the Company's other business segment (in thousands): Six Months Ended June 30, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 94,175 57,487 Prior years 539 (314) Total veterinary invoice expense 94,714 57,173 Amounts paid during the period related to: Current year 79,362 43,038 Prior years 17,072 8,296 Total paid 96,434 51,334 Non-cash expenses — — Reserve at end of period $ 15,544 $ 14,843

Debt (Tables)

Debt (Tables)	6 Months Ended
	Jun. 30, 2022
Debt Disclosure [Abstract]
Schedule of Maturities of Long-term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of June 30, 2022 are as follows (in thousands): Year Ending December 31, June 30, 2022 2022 $ 300 2023 600 2024 600 2025 600 2026 600 Thereafter 57,150 Total $ 59,850

Stock-based Compensation (Table

Stock-based Compensation (Tables)	6 Months Ended
	Jun. 30, 2022
Share-Based Payment Arrangement [Abstract]
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 units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Veterinary invoice expense $ 1,047 $ 672 $ 2,234 $ 2,971 Other cost of revenue 783 552 1,432 1,487 Technology and development 1,101 800 2,009 1,464 General and administrative 3,066 2,322 5,489 4,141 New pet acquisition expense 2,637 2,181 5,019 4,912 Total expensed stock-based compensation 8,634 6,527 16,183 14,975 Capitalized stock-based compensation 366 131 602 293 Total stock-based compensation $ 9,000 $ 6,658 $ 16,785 $ 15,268
Share-based Compensation, Stock Options, Activity [Table Text Block]	A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (88,386) 13.25 6,866 Forfeited (2,282) 19.67 — Outstanding as of June 30, 2022 716,537 13.39 33,584 Exercisable as of June 30, 2022 716,537 $ 13.39 $ 33,584
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity [Table Text Block]	A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 535,867 87.96 Vested (312,778) 76.10 Forfeited (49,256) 82.44 Unvested shares as of June 30, 2022 1,261,460 $ 83.34

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2022
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent, Alternative [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): For the three months ended June 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of March 31, 2022 $ 726 $ 1,453 $ 2,179 Other comprehensive income (loss) (3,349) (1) (3,350) Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) For the three months ended June 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of March 31, 2021 $ 2,738 $ 951 $ 3,689 Other comprehensive income (loss) 373 1 374 Balance as of June 30, 2021 $ 3,111 $ 952 $ 4,063 For the six months ended June 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (4,247) (1) (4,248) Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) For the six months ended June 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) 991 1 992 Balance as of June 30, 2021 $ 3,111 $ 952 $ 4,063

Segments (Tables)

Segments (Tables)	6 Months Ended
	Jun. 30, 2022
Segment Reporting [Abstract]
Revenue and Gross Profit from Segments [Table Text Block]	Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Subscription business: Revenue $ 145,808 $ 120,373 $ 285,647 $ 233,665 Veterinary invoice expense 107,238 87,253 207,828 170,979 Other cost of revenue 15,202 12,493 29,875 24,304 Technology and development 4,250 2,918 7,800 5,651 General and administrative 6,132 5,319 12,490 10,604 New pet acquisition expense 22,796 19,272 44,314 38,805 Depreciation and amortization 1,799 2,259 3,643 4,524 Subscription business operating loss (11,609) (9,141) (20,303) (21,202) Other business: Revenue 73,603 47,887 139,763 89,280 Veterinary invoice expense 50,378 31,029 94,714 57,173 Other cost of revenue 18,010 12,940 34,516 24,844 Technology and development 2,146 1,161 3,825 2,159 General and administrative 3,095 2,116 6,103 4,047 New pet acquisition expense 186 118 295 289 Depreciation and amortization 908 899 1,781 1,727 Other business operating income (loss) (1,120) (376) (1,471) (959) Gain (loss) from investment in joint venture (42) 5 (111) (80) Total operating loss $ (12,771) $ (9,512) $ (21,885) $ (22,241)
Revenue from External Customers by Geographic Areas [Table Text Block]	The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 United States $ 184,790 $ 139,128 $ 357,538 $ 266,887 Canada and other 34,621 29,132 67,872 56,058 Total revenue $ 219,411 $ 168,260 $ 425,410 $ 322,945

Net Loss per Share (Details) Sc

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	716,537	916,434	716,537	916,434
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,261,460	1,175,228	1,261,460	1,175,228

Investment Securities (Details)

Investment Securities (Details) - Investment Schedule - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	$ 7,706	$ 7,050
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	10	11
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	7,716	7,061
Debt Securities, Held-to-maturity	141,420	126,012
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(71)	(9)
Debt Securities, Held-to-maturity, Fair Value	141,349	126,003
Deposits [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	6,706	6,050
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,706	6,050
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	1,000	1,000
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	10	11
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	1,010	1,011
US Treasury Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	9,011	8,671
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(71)	(9)
Debt Securities, Held-to-maturity, Fair Value	8,940	8,662
Certificates of Deposit [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	3,375	3,295
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,375	3,295
US Government Debt Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	129,034	114,046
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	$ 129,034	$ 114,046

Investment Securities (Detail_2

Investment Securities (Details) - Available-for-Sale - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-Sale [Abstract]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 7,706
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	7,716
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	7,706	$ 7,050
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 7,716	$ 7,061

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021	Dec. 31, 2019
Investments, All Other Investments [Abstract]
Purchase of Equity Interest				$ 7
Financing Receivable, Revolving	$ 5.6
Financing Receivable, after Allowance for Credit Loss	6.1		$ 4.5
Services performed for Variable Interest Entity	$ 0.4	$ 0.4

Fair Value (Details) - Investme

Fair Value (Details) - Investments Schedule - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 7,716	$ 7,061
Noncontrolling Interest in Variable Interest Entity	8,442	8,442
Assets, Fair Value Disclosure	73,018	47,758
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Assets, Fair Value Disclosure	63,566	38,305
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Assets, Fair Value Disclosure	1,010	1,011
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	8,442	8,442
Assets, Fair Value Disclosure	8,442	8,442
Money Market Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	56,860	32,255
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	56,860	32,255
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	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	0
Deposits [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,706	6,050
Deposits [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,706	6,050
Deposits [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Deposits [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	1,010	1,011
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	1,010	1,011
Municipal Bonds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	1,010	1,011
Municipal Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	$ 0	$ 0

Fair Value (Details) - Narrativ

Fair Value (Details) - Narrative - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 8,442	$ 8,442
Notes Receivable, Fair Value Disclosure	$ 9,200	$ 7,600

Intangible Assets, Goodwill a_3

Intangible Assets, Goodwill and Other (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Goodwill [Line Items]
Goodwill	$ 29,405	$ 32,709
Goodwill, Foreign Currency Translation Gain (Loss)	(3,304)
Subscription business [Member]
Goodwill [Line Items]
Goodwill	29,405	32,709
Goodwill, Foreign Currency Translation Gain (Loss)	(3,304)
Other Segments [Member]
Goodwill [Line Items]
Goodwill	0	$ 0
Goodwill, Foreign Currency Translation Gain (Loss)	$ 0

Claims Reserve (Details) - Rese

Claims Reserve (Details) - Reserve Rollforward - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	$ 22,407	$ 19,925
Current Year Claims and Claims Adjustment Expense	210,149	171,795
Prior Year Claims and Claims Adjustment Expense	(2,321)	(816)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	207,828	170,979
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	190,348	152,382
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	16,469	14,420
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	206,817	166,802
Claims expense non-cash	2,325	3,089
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	21,093	21,013
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Current Year Claims and Claims Adjustment Expense	94,175	57,487
Prior Year Claims and Claims Adjustment Expense	539	(314)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	94,714	57,173
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	79,362	43,038
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	17,072	8,296
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	96,434	51,334
Claims expense non-cash	0	0
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	$ 15,544	$ 14,843

Claims Reserve (Details) - Narr

Claims Reserve (Details) - Narrative - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	$ (1,300)
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	22,407	$ 19,925
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	21,093	21,013
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	207,828	170,979
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	206,817	166,802
Prior Year Claims and Claims Adjustment Expense	(2,321)	(816)
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	(1,700)
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	15,544	14,843
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	94,714	57,173
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	96,434	51,334
Prior Year Claims and Claims Adjustment Expense	$ 539	$ (314)

Claims Reserve (Details) - Re_2

Claims Reserve (Details) - Reserve by Year of Occurrence $ in Thousands	Jun. 30, 2022 USD ($)
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 21,093
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	15,544
Short-Duration Insurance Contract, Accident Year 2020 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	381
Short-Duration Insurance Contract, Accident Year 2020 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	0
Short-Duration Insurance Contract, Accident Year 2021 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	3,236
Short-Duration Insurance Contract, Accident Year 2021 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	731
Short-duration Insurance Contracts, Accident Year 2022 [Member] | Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	17,476
Short-duration Insurance Contracts, Accident Year 2022 [Member] | Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 14,813

Debt (Details) - Narrative

Debt (Details) - Narrative $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Line of Credit Facility [Line Items]
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of Credit Facility, Maximum Borrowing Capacity	$ 150,000
Long-term Debt	$ 60,000
Debt Instrument, Interest Rate, Stated Percentage	5.76%
Debt Issuance Costs, Gross	$ 5,800
Line of Credit Facility, Expiration Date	Mar. 25, 2027
Line of Credit Facility, Periodic Payment, Principal Percentage	0.25%
Line of Credit Facility, Frequency of Payments	quarterly
Unfunded Loan Commitment [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 75,000
Line of Credit, Date of Last Availability	Sep. 25, 2023
Line of Credit Facility, Expiration Date	Mar. 25, 2028
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 15,000
Line of Credit, Date of Last Availability	Mar. 25, 2027
Line of Credit Facility, Expiration Date	Mar. 25, 2027

Debt (Details) - Schedule of Ma

Debt (Details) - Schedule of Maturities $ in Thousands	Jun. 30, 2022 USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 300
Long-Term Debt, Maturity, Year Two	600
Long-Term Debt, Maturity, Year Three	600
Long-Term Debt, Maturity, Year Four	600
Long-Term Debt, Maturity, Year Five	600
Long-Term Debt, Maturity, after Year Five	57,150
Long-term Line of Credit, Total	$ 59,850

Stock-based Compensation (Detai

Stock-based Compensation (Details) - Expense Category - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 8,634	$ 6,527	$ 16,183	$ 14,975
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	366	131	602	293
Share-based Payment Arrangement, Expensed and Capitalized, Amount	9,000	6,658	16,785	15,268
Claims Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	1,047	672	2,234	2,971
Other Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	783	552	1,432	1,487
Technology and Development Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	1,101	800	2,009	1,464
General and Administrative Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	3,066	2,322	5,489	4,141
Selling and Marketing Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 2,637	$ 2,181	$ 5,019	$ 4,912

Share-based Compensation (Detai

Share-based Compensation (Details) - Narrative - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,261,460	1,087,627
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 97.9
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	2 years 10 months 24 days
Equity Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	3 years 9 months 18 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	3 years 9 months 18 days

Stock-based Compensation (Det_2

Stock-based Compensation (Details) - Stock Options - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	716,537	807,205
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(88,386)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period	(2,282)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	716,537
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 13.39	$ 13.39
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	13.25
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	19.67
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	$ 13.39
Share-based Compensation Arrangement by Share-based Payment Award, Options, Aggregate Intrinsic Value [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$ 33,584	$ 95,765
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	6,866
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 33,584

Stock-based Compensation (Det_3

Stock-based Compensation (Details) - Restricted Stock Units - Restricted Stock Units (RSUs) [Member] - $ / shares	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,261,460	1,087,627
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	535,867
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(312,778)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	(49,256)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 83.34	$ 78.94
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	87.96
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	76.10
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 82.44

Stockholders' Equity (Details)

Stockholders' Equity (Details) - shares	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Stockholders' Equity Attributable to Parent [Abstract]
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Outstanding	40,745,298	40,475,185
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Treasury Stock, Shares, Acquired	94,959

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	$ 328,533	$ 336,077	$ 332,200	$ 339,939
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,349)	373	(4,247)	991
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(1)	1	(1)	1
Other Comprehensive Income (Loss), Net of Tax	(3,350)	374	(4,248)	992
Stockholders' Equity Attributable to Parent, Ending Balance	314,754	334,205	314,754	334,205
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	726	2,738	1,624	2,120
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,349)	373	(4,247)	991
Stockholders' Equity Attributable to Parent, Ending Balance	(2,623)	3,111	(2,623)	3,111
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	1,453	951	1,453	951
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(1)	1	(1)	1
Stockholders' Equity Attributable to Parent, Ending Balance	1,452	952	1,452	952
AOCI Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	2,179	3,689	3,077	3,071
Other Comprehensive Income (Loss), Net of Tax	(3,350)	374	(4,248)	992
Stockholders' Equity Attributable to Parent, Ending Balance	$ (1,171)	$ 4,063	$ (1,171)	$ 4,063

Segments (Details) - Business S

Segments (Details) - Business Segments - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Segment Reporting Information [Line Items]
Revenues	$ 219,411	$ 168,260	$ 425,410	$ 322,945
Claims Expense	157,616	118,282	302,542	228,152
Other Cost of Services Sold	33,212	25,433	64,391	49,148
Technology and Development Expense	6,396	4,079	11,625	7,810
General and Administrative Expense	9,227	7,435	18,593	14,651
Selling and Marketing Expense	22,982	19,390	44,609	39,094
Depreciation, Depletion and Amortization	2,707	3,158	5,424	6,251
Income (Loss) from Equity Method Investments	(42)	5	(111)	(80)
Operating Income (Loss), Total	(12,771)	(9,512)	(21,885)	(22,241)
Subscription business [Member]
Segment Reporting Information [Line Items]
Revenues	145,808	120,373	285,647	233,665
Claims Expense	107,238	87,253	207,828	170,979
Other Cost of Services Sold	15,202	12,493	29,875	24,304
Technology and Development Expense	4,250	2,918	7,800	5,651
General and Administrative Expense	6,132	5,319	12,490	10,604
Selling and Marketing Expense	22,796	19,272	44,314	38,805
Depreciation, Depletion and Amortization	1,799	2,259	3,643	4,524
Operating Income (Loss), Total	(11,609)	(9,141)	(20,303)	(21,202)
Other Segments [Member]
Segment Reporting Information [Line Items]
Revenues	73,603	47,887	139,763	89,280
Claims Expense	50,378	31,029	94,714	57,173
Other Cost of Services Sold	18,010	12,940	34,516	24,844
Technology and Development Expense	2,146	1,161	3,825	2,159
General and Administrative Expense	3,095	2,116	6,103	4,047
Selling and Marketing Expense	186	118	295	289
Depreciation, Depletion and Amortization	908	899	1,781	1,727
Operating Income (Loss), Total	$ (1,120)	$ (376)	$ (1,471)	$ (959)

Segments (Details) - Revenue by

Segments (Details) - Revenue by Geography - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Segment Reporting Information [Line Items]
Revenues	$ 219,411	$ 168,260	$ 425,410	$ 322,945
United States
Segment Reporting Information [Line Items]
Revenues	184,790	139,128	357,538	266,887
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 34,621	$ 29,132	$ 67,872	$ 56,058

Related Parties (Details)

Related Parties (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Related Party Transactions [Abstract]
Equity Method Investments	$ 0.3
Equity Method Investment, Ownership Percentage	17.50%
Related Party Transaction, Selling, General and Administrative Expenses from Transactions with Related Party	$ 1.8	$ 1.6