Trupanion (TRUP) 10-K 16 Feb 23 2022 FY Annual report Financial data

Cover Page Document

Cover Page Document - USD ($)	12 Months Ended
	Dec. 31, 2022	Feb. 09, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 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 Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 1,869,501,419
Entity Common Stock, Shares Outstanding		41,020,005
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2022
Audit Information [Abstract]
Auditor Firm ID	42
Auditor Name	Ernst & Young LLP
Auditor Location	Seattle, Washington

Consolidated Statement of Opera

Consolidated Statement of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Statement [Abstract]
Revenue	$ 905,179	$ 698,991	$ 502,028
Veterinary invoice expense	649,737	486,062	351,124
Other cost of revenue	133,257	108,583	69,003
Total cost of revenue	782,994	594,645	420,127
Technology and development	25,133	16,866	9,947
General and administrative	39,379	31,893	21,847
New pet acquisition expense	89,500	78,647	47,837
Depreciation and amortization	10,921	11,965	7,071
Total operating expenses	164,933	139,371	86,702
Loss from investment in joint venture	(253)	(171)	(126)
Operating loss	(43,001)	(35,196)	(4,927)
Interest expense	4,267	10	1,381
Other expense (income), net	(3,072)	14	(581)
Loss before income taxes	(44,196)	(35,220)	(5,727)
Income tax expense	476	310	113
Net loss	$ (44,672)	$ (35,530)	$ (5,840)
Earnings Per Share, Basic	$ (1.10)	$ (0.89)	$ (0.16)
Earnings Per Share, Diluted	$ (1.10)	$ (0.89)	$ (0.16)
Weighted Average Number of Shares Outstanding, Basic	40,765,355	40,137,505	35,858,869
Weighted Average Number of Shares Outstanding, Diluted	40,765,355	40,137,505	35,858,869

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Net loss	$ (44,672)	$ (35,530)	$ (5,840)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(4,412)	(496)	2,496
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(4,966)	502	325
Other Comprehensive Income (Loss), Net of Tax, Total	(9,378)	6	2,821
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	$ (54,050)	$ (35,524)	$ (3,019)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Common Stock, Shares Authorized	100,000,000	100,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Assets [Abstract]
Cash and cash equivalents	$ 65,605,000	$ 87,400,000
Short-term investments	156,804,000	126,012,000
Accounts and other receivables	232,439,000	165,217,000
Prepaid expenses and other assets	14,248,000	12,325,000
Total current assets	469,096,000	390,954,000
Restricted cash	19,032,000	13,469,000
Long-term investments	7,841,000	7,061,000
Property and equipment, net	90,701,000	77,950,000
Intangible assets, net	24,031,000	22,663,000
Other long-term assets	18,943,000	17,776,000
Goodwill	41,983,000	32,709,000
Total assets	671,627,000	562,582,000
Liabilities and Equity [Abstract]
Accounts payable	9,471,000	8,952,000
Accrued liabilities and other current liabilities	32,616,000	28,162,000
Reserve for veterinary invoices	43,734,000	39,671,000
Deferred revenue	202,692,000	146,911,000
Long-Term Debt, Current Maturities	1,103,000	0
Total current liabilities	289,616,000	223,696,000
Long-Term Debt	68,354,000	0
Deferred tax liabilities	3,392,000	2,827,000
Other liabilities	4,968,000	3,859,000
Total liabilities	366,330,000	230,382,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	499,694,000	466,792,000
Accumulated other comprehensive income (loss)	(6,301,000)	3,077,000
Accumulated deficit	(171,562,000)	(126,890,000)
Treasury stock, at cost	(16,534,000)	(10,779,000)
Total stockholders' equity	305,297,000	332,200,000
Total liabilities and stockholders’ equity	$ 671,627,000	$ 562,582,000

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
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	42,041,344	41,408,350
Common Stock, Shares, Outstanding	41,013,158	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
Treasury Stock, Shares	1,028,186	933,165
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 540,000	$ 342,000

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Accumulated Deficit	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Beginning balance (in shares) at Dec. 31, 2019		34,947,017
Beginning balance at Dec. 31, 2019	$ 136,760	$ 0	$ 232,731	$ (85,520)	$ 250	$ (10,701)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock from private placement						0
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings (in shares)		870,726
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings	(4,864)		(4,864)
Stock-based compensation expense	9,147		9,147
Other comprehensive income (loss)	2,821				2,821
Net loss	(5,840)			(5,840)
Ending balance (in shares) at Dec. 31, 2020		39,450,807
Ending balance at Dec. 31, 2020	339,939	$ 0	439,007	(91,360)	3,071	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock from private placement (in shares)		3,636,364
Stock Issued During Period, Value, New Issues	192,265		192,265
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings (in shares)		1,024,378
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings	(1,117)		(1,117)
Stock-based compensation expense	28,902		28,902
Repurchase of common stock (in shares)		(3,300)
Treasury Stock, Value, Acquired, Cost Method	(78)					(78)
Other comprehensive income (loss)	6				6
Net loss	$ (35,530)			(35,530)
Ending balance (in shares) at Dec. 31, 2021	40,475,185	40,475,185
Ending balance at Dec. 31, 2021	$ 332,200	$ 0	466,792	(126,890)	3,077	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings (in shares)		632,994
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings	(2,124)		(2,124)
Stock-based compensation expense	$ 35,026		35,026
Repurchase of common stock (in shares)	(95,021)
Other comprehensive income (loss)	$ (9,378)				(9,378)
Net loss	$ (44,672)			(44,672)
Ending balance (in shares) at Dec. 31, 2022	41,013,158	41,013,158
Ending balance at Dec. 31, 2022	$ 305,297	$ 0	$ 499,694	$ (171,562)	$ (6,301)	$ (16,534)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net loss	$ (44,672,000)	$ (35,530,000)	$ (5,840,000)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation and amortization	10,921,000	11,965,000	7,071,000
Stock-based compensation expense	33,393,000	28,226,000	8,912,000
Other, net	1,051,000	(1,927,000)	153,000
Increase (Decrease) in Operating Assets [Abstract]
Accounts and other receivables	(66,982,000)	(66,170,000)	(43,272,000)
Prepaid expenses and other assets	(5,227,000)	(3,055,000)	(2,839,000)
Accounts payable, accrued liabilities, and other liabilities	3,136,000	8,796,000	9,951,000
Reserve for veterinary invoices	4,227,000	10,768,000	7,662,000
Deferred revenue	56,153,000	54,385,000	39,746,000
Net cash provided by (used in) operating activities	(8,000,000)	7,458,000	21,544,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Purchases of investment securities	(273,006,000)	(95,672,000)	(65,286,000)
Maturities and sales of investment securities	239,210,000	57,869,000	44,066,000
Cash paid in business acquisitions, net of cash acquired	(15,034,000)	0	(48,133,000)
Purchases of property and equipment	(17,088,000)	(12,355,000)	(7,451,000)
Other	(1,598,000)	(1,755,000)	57,000
Net cash provided by (used in) investing activities	(67,516,000)	(51,913,000)	(76,747,000)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Issuance of common stock, net of offering costs	0	0	192,265,000
Payments for Repurchase of Common Stock	(5,755,000)
Proceeds from exercise of stock options	2,290,000	3,607,000	6,013,000
Shares withheld to satisfy tax withholding	(4,359,000)	(4,732,000)	(1,115,000)
Proceeds from debt financing, net of financing fees	69,138,000	0	6,213,000
Repayment of debt financing	(571,000)	0	(32,450,000)
Other	0	0	(78,000)
Net cash provided by (used in) financing activities	60,743,000	(1,125,000)	170,848,000
Net change in cash, cash equivalents, and restricted cash	(16,232,000)	(45,328,000)	115,629,000
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Continuing Operations	(1,459,000)	252,000	(16,000)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	100,869,000	146,197,000	30,568,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	84,637,000	100,869,000	146,197,000
Supplemental Cash Flow Information [Abstract]
Income taxes paid (refund)	(2,498,000)	(282,000)	(31,000)
Interest paid	3,353,000	16,000	1,363,000
Purchases of property and equipment included in accounts payable and accrued liabilities	1,324,000	729,000	861,000
Acquisition-related contingent consideration recorded as a liability	$ 0	$ 0	$ 162,000

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	12 Months Ended
	Dec. 31, 2022
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") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. Through the Company's data-driven, vertically-integrated approach, the Company develops and offers high value medical insurance products, priced specifically for each pet’s unique characteristics and coverage level. Basis of Presentation The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and include the accounts of the Company and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation. 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. Cash, Cash Equivalents and Restricted Cash The Company considers all highly liquid investments with an original maturity of three months or less to be cash equivalents. At times, cash on deposit may be in excess of the applicable federal deposit insurance corporation limits. The Company considers any cash account that is contractually restricted to withdrawal or use to be restricted cash. The Company is required to maintain certain restricted cash balances to comply with insurance company regulations. As of December 31, 2022, the Company was in compliance with all requirements. Accounts and Other Receivables Receivables are comprised of trade receivables and other miscellaneous receivables. Accounts and other receivables are carried at their estimated collectible amounts. Accounts receivable balance is primarily related to the Company’s other business segment where the Company generates revenue from underwriting policies through unaffiliated general agents. These policies are typically annual policies, with monthly payment terms through the end of the twelve-month period. The Company had $220.8 million and $159.4 million accounts receivable associated with underwriting these policies as of December 31, 2022 and 2021, respectively. Deferred Acquisition Costs The Company incurs certain costs, including premium taxes, fees and enrollment-based bonuses, and referral fees that directly relate to the successful acquisition of new or renewal customer contracts. These costs are deferred and are included in prepaid expenses and other assets on the consolidated balance sheet and amortized over the related policy term to the applicable financial statement line item, either new pet acquisition expense or other cost of revenue. Deferred acquisition costs as of December 31, 2022 and 2021 were $6.0 million and $4.3 million, respectively. Amortized deferred acquisition costs classified within new pet acquisition expense amounted to $4.9 million, $4.7 million, and $3.2 million and amortized deferred acquisition costs classified within other cost of revenue amounted to $33.9 million, $30.5 million, and $23.2 million, for the years ended December 31, 2022, 2021, and 2020, respectively. Investments The Company invests in investment grade fixed maturity securities of varying maturities. Available-for-sale securities are reported at fair value with unrealized gains and losses included in accumulated other comprehensive loss. Held-to-maturity securities are reported at amortized cost. Premiums or discounts on fixed maturity securities are amortized or accreted over the life of the security and included in interest income. There have been no realized gains and losses on sales of fixed maturity securities. The Company evaluates whether declines in the fair value of its investments below book value are other-than-temporary. This evaluation includes the Company's ability and intent to hold the security until an expected recovery occurs, the severity and duration of the unrealized loss, as well as all available information relevant to the collectability of the security, including past events, current conditions, and reasonable and supportable forecasts, when developing estimates of cash flows expected to be collected. Fair Value of Financial Instruments The Company is required to disclose information on all assets and liabilities reported at fair value that enables an assessment of the inputs used in determining the reported fair values. The fair value hierarchy prioritizes valuation inputs based on the observable nature of those inputs. The fair value hierarchy applies only to the valuation inputs used in determining the reported fair value of the investments and is not a measure of the investment credit quality. The hierarchy defines three levels of valuation inputs: Level 1 - Quoted prices in active markets for identical assets or liabilities Level 2 - Inputs other than quoted prices that are observable for the asset or liability, either directly or indirectly Level 3 - Unobservable inputs that reflect the Company's own assumptions about the assumptions market participants would use in pricing the asset or liability The Company's financial instruments, in addition to those presented in Note 8, Fair Value, include cash and cash equivalents, accounts receivable, accounts payable, and accrued liabilities. The carrying amounts of accounts receivable, accounts payable, and accrued liabilities approximate fair value because of the short-term nature of these instruments. Property and Equipment Property and equipment primarily consists of building, land and land improvements, office equipment, internally-developed software related to the Company’s website, and internal support systems, capitalized during the application development stage of the project. Property and equipment is recorded at cost and depreciated using the straight-line method over the estimated useful life of the respective asset: Land Not depreciable Land improvements 10 years Building 39 years Software 3 to 5 years Office equipment 3 to 5 years Goodwill and Intangible Assets Goodwill and indefinite-lived intangible assets are not amortized. The Company reviews these assets for impairment at least annually or if indicators of potential impairment exist. Acquired finite-lived intangibles are amortized on a straight-line basis over the estimated useful lives of the assets. Asset Impairment Long-lived assets, including property, equipment, and intangible assets, are reviewed for impairment when events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Should an impairment exist, the impairment loss would be measured as the amount the asset's carrying value exceeds its fair value. The Company has recognized no impairment loss on long-lived assets for the years ended December 31, 2022, 2021, and 2020. Reserve for Veterinary Invoices 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. To determine the accrual, the Company makes assumptions based on its historical experience, including the number of veterinary invoices it expects to receive, the average cost of those veterinary invoices, the length of time between the date of the veterinary invoice and the date the Company receives it, the member's chosen deductible, and the Company's expected cost to process and administer the payments. As of each balance sheet date, the Company reevaluates its reserve and may adjust the estimate for new information. Deferred Revenue Deferred revenue is primarily related to the Company’s other business segment where the Company generates revenue from underwriting policies through unaffiliated general agents. These policies are typically annual policies, with monthly payment terms through the end of the twelve-month period. Deferred revenue also consists of subscription fees received or billed in advance of the subscription services within the Company's subscription business. Revenue Recognition The Company generates revenue primarily from subscription fees and through underwriting policies for unaffiliated general agents. Revenue is recognized pro-rata over the terms of the customer contracts. Veterinary Invoice Expense Veterinary invoice expense includes the Company’s costs to review veterinary invoices, administer the payments, and provide member services, and other operating expenses directly or indirectly related to this process. The Company also accrues for veterinary invoices that have been incurred but not yet received or paid. This also includes amounts paid by unaffiliated general agents, and an estimate of amounts incurred and not yet paid for the other business segment. Other Cost of Revenue Other cost of revenue for the subscription business segment includes direct and indirect member service expenses, Territory Partner renewal fees, credit card transaction fees and premium tax expenses. Other cost of revenue for the other business segment includes the commissions the Company pays to unaffiliated general agents and costs to administer the programs in the other business segment. Technology and Development Technology and development expenses primarily consist of personnel costs and related expenses for the Company's technology staff, which includes information technology development and infrastructure support and third-party services. It also includes expenses associated with development of new products and offerings. General and Administrative General and administrative expenses consist primarily of personnel costs and related expenses for the Company’s finance, actuarial, human resources, legal, regulatory, and general management functions, as well as facilities and professional services. New Pet Acquisition Expense New pet acquisition expense primarily consists of costs, including employee compensation, to educate veterinarians and consumers about the benefits of Trupanion, to generate leads and to convert leads into enrolled pets, as well as print, online and promotional advertising costs. New pet acquisition expense was previously termed “sales and marketing” on the consolidated statement of operations. This update represents a change in name only. It does not denote a change in method of accounting. Other Income, Net Other income, net, was $3.1 million, nil, and $0.6 million, including interest income of $3.0 million, $0.3 million, and $0.6 million for the years ended December 31, 2022, 2021, and 2020, respectively. Advertising Advertising costs are expensed as incurred, with the exception of television advertisements, which are expensed the first time each advertisement is aired. Advertising costs amounted to $25.5 million, $23.6 million and $13.4 million, in the years ended December 31, 2022, 2021 and 2020, respectively. Stock-Based Compensation Compensation expense related to stock-based transactions, including employee and non-employee stock option awards, restricted stock awards, and restricted stock units, is measured and recognized in the financial statements based on fair value. The fair value of restricted stock awards and restricted stock units is the common stock price as of the measurement date. The fair value of stock options is estimated on the measurement date using the Black-Scholes option-pricing model that requires management to apply judgment and make estimates, including: • Expected volatility —The Company estimates the expected volatility based on the historical volatility of a representative group of publicly traded companies with similar characteristics to the Company, and its own historical volatility; • Expected term for awards granted to employees —The Company has based its expected term for awards issued to employees on the simplified method, as permitted by the SEC Staff Accounting Bulletin Topic 14, Share-Based Payment; • Risk-free interest rate —The risk-free interest rate is based on the yields of U.S. Treasury securities with maturities similar to the expected term of the options; and • Expected dividend yield —The Company has never declared or paid any cash dividends and does not presently plan to pay cash dividends in the foreseeable future. Consequently, the Company uses an expected dividend yield of zero. Stock-based compensation expense for stock options, restricted stock awards, and restricted stock units is recognized on a straight-line basis over the requisite service period, which is generally the vesting period of the respective award. The Company recognizes forfeitures when they occur. Income Taxes The Company uses the asset and liability approach for accounting and reporting income taxes. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities, and their respective tax bases, operating loss, and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a tax rate change is recognized in the period that includes the enactment date. Valuation allowances are provided for when it is considered more likely than not that deferred tax assets will not be realized. The Company recognizes the effect of income tax positions only if those positions are more likely than not of being sustained. Recognized income tax positions are measured at the largest amount that is greater than a 50% likelihood of being realized. Penalties and interest are classified as a component of income taxes. Foreign Currency Translation The Company’s consolidated financial statements are reported in U.S. dollars. Assets and liabilities denominated in foreign currencies were translated to U.S. dollars, the reporting currency, at the exchange rates in effect on the balance sheet date. Revenue and expenses denominated in foreign currencies were translated to U.S. dollars using a weighted average rate for the relevant reporting period. Cumulative translation adjustments of $2.8 million, $(1.6) million, and $(2.1) million were recorded in accumulated other comprehensive loss (income) as of December 31, 2022, 2021, and 2020, respectively. Insurance Operations Effective January 1, 2015, the Company formed a segregated account in Bermuda as part of Wyndham Insurance Company (SAC) Limited (WICL) and entered into a revised fronting and reinsurance arrangement with Omega General Insurance Company (Omega) to include its newly formed segregated account. The Company maintains all risk with the business written in Canada and consolidates the entity in its financial statements. Dividends are allowed subject to the Segregated Accounts Company Act of 2000, which allows for dividends only to the extent that the entity remains solvent and the value of its assets remain greater than the aggregate of its liabilities and its issued share capital and share premium accounts. For the Company’s Canadian business, all plans are written by Omega and the risk is assumed by the Company through a fronting and reinsurance agreement. Premiums are recognized and earned pro rata over the terms of the related customer contracts. Revenue recognized from the agreement in 2022, 2021, and 2020 was $135.9 million, $112.0 million and $81.3 million, respectively, and deferred revenue relating to this arrangement at December 31, 2022 and 2021 was $6.4 million and $4.7 million, respectively. Reinsurance revenue was 15%, 16%, and 16% of total revenue in 2022, 2021, and 2020, respectively. Cash designated for the purpose of paying claims related to this reinsurance agreement was $7.2 million and $7.7 million at December 31, 2022 and 2021, respectively. In addition, as required by the Office of the Superintendent of Financial institutions regulations related to the Company’s reinsurance agreement with Omega, the Company is required to fund a Canadian Trust account with the greater of CAD $2.0 million or 120% of unearned Canadian premium plus 20% of outstanding Canadian claims, including all incurred but not reported claims. As of December 31, 2022, the account balance was CAD $10.4 million and the Company was in compliance with all requirements. The Company has not transferred any risk to third-party reinsurers. Concentrations of Credit Risk Financial instruments, which potentially subject the Company to concentration of credit risk, consist primarily of cash and cash equivalents, investments, and debt. The Company manages its risk by investing cash equivalents and investment securities in money market instruments and securities of the U.S. government, U.S. government agencies and high-credit-quality issuers of debt securities.

Net Loss per Share (Notes)

Net Loss per Share (Notes)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Net Loss Per Share	Net Loss per Share Basic net loss per share is computed using the weighted average number of shares of common stock outstanding during the period. Diluted net 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, unvested restricted stock awards 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: As of December 31, 2022 2021 2020 Stock options 629,650 807,205 1,459,290 Restricted stock awards and restricted stock units 1,112,552 1,087,627 782,755

Business Combinations (Notes)

Business Combinations (Notes)	12 Months Ended
	Dec. 31, 2022
Business Combinations [Abstract]
Business Combination	Business Combinations PetExpert On November 16, 2022, the Company acquired 100% of voting equity interest in Royal Blue s.r.o., the parent company of PetExpert, a veterinary-centric, managing general agent for pet insurance with operations in the Czech Republic, Slovakia, and Belgium for approximately $12.3 million in net cash. The acquisition provides the Company with a foothold in Europe, allowing for expansion within different countries within the region. Additionally, the acquired technology from PetExpert focuses on the pet space and, along with the acquired personnel, is intended to enable the Company to improve its back-end software to help facilitate growth opportunities. The Company incurred $0.2 million of acquisition-related costs that were recorded in general and administrative expenses. The acquisition is recorded using the purchase method of accounting in accordance with Accounting Standards Codification (ASC) 805, Business Combinations , which requires that the assets acquired and liabilities assumed to be recorded at their respective fair values at the acquisition date. The excess of the purchase price over the estimated fair values of the net tangible and intangible assets acquired is recorded as goodwill. The application of the purchase method of accounting resulted in the recognition of intangible assets, the estimated fair values of which involved a discounted cash flow model and certain assumptions and estimates, including but not limited to, revenue growth rates and margins, attrition rates, and discount rates. These estimates are inherently uncertain and unanticipated events and circumstances may occur which could affect the accuracy or validity of estimates used in purchase accounting. The purchase price allocation recorded in a business combination may change during the measurement period, which is a period not to exceed one year from the date of acquisition, as additional information about conditions existing at the acquisition date becomes available. The following table summarizes the preliminary estimated fair values of the assets acquired and liabilities assumed at the acquisition date (in thousands): November 16, 2022 Current assets, net of cash acquired $ 295 Property and equipment and other long-term assets 27 Amortizable intangible assets 5,121 Goodwill 9,541 Current liabilities and short-term loan (1,677) Deferred tax liability and other liabilities (1,056) Total consideration transferred, net of cash acquired $ 12,251 The Company acquired intangible assets which included developed technologies and customer relationships with an estimated useful life of 5.0 years. The goodwill recognized is attributable primarily to going concern value such as assembled workforce, future technology development, future customers, and expected synergies from incorporating the operations into the Company’s portfolio. It has been assigned to the subscription business segment. None of the goodwill associated with this acquisition is expected to be deductible for income tax purposes. As of the acquisition date, the Company assumed a credit agreement entered into by PetExpert in 2021 that provides for a revolving line of credit. The maximum credit limit at December 31, 2022 was $0.4 million. To the extent not previously paid, the line of credit is due on May 31, 2023. As of December 31, 2022, PetExpert had $0.4 million debt issued and outstanding under this assumed credit agreement. Smart Paws On August 31, 2022, the Company completed an acquisition of 100% of the equity of Smart Paws GmbH (Smart Paws), a managing general agent for pet insurance with operations in Germany and Switzerland, for approximately $2.8 million in net cash. The acquisition of Smart Paws provides the Company with a foothold in Europe, allowing for expansion within different countries within the region. The Company incurred $0.1 million of acquisition related costs that were included in general and administrative expenses during the year ended December 31, 2022. The Company acquired a definite-lived intangible asset valued at $1.1 million with an estimated useful life of 5.0 years. Goodwill of $2.6 million was recognized as a result of the acquisition and attributable primarily to going concern value such as assembled workforce, future customers, and expected synergies from incorporating the operations into the Company’s portfolio. None of the goodwill associated with this acquisition is expected to be deductible for income tax purposes. The results of PetExpert and Smart Paws operations have been included in the consolidated financial statements since the acquisition date, but were immaterial to the Company's consolidated financial statements.

Property Plant and Equipment (N

Property Plant and Equipment (Notes)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Property and Equipment, Net	Property and Equipment, Net Property and equipment, net consisted of the following (in thousands): December 31, 2022 2021 Land and improvements $ 15,911 $ 15,911 Building and improvements 48,963 48,547 Software 55,932 37,984 Office equipment and other 6,814 6,258 Construction in progress 262 540 Property and equipment, at cost 127,882 109,240 Less: Accumulated depreciation (37,181) (31,290) Property and equipment, net $ 90,701 $ 77,950

Intangible Assets (Notes)

Intangible Assets (Notes)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill arises from business acquisitions in which the purchase price exceeds the fair value of tangible and intangible assets acquired less assumed liabilities. The following is a summary of goodwill by reportable segment for the year ended December 31, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Acquisitions 12,159 — 12,159 Effects of foreign currency (2,885) — (2,885) Balance as of December 31, 2022 $ 41,983 $ — $ 41,983 The following table presents the detail of intangible assets other than goodwill for the periods presented (in thousands): Gross Carrying Value Accumulated Amortization Net Carrying Value Weighted Average Useful Life Remaining as of December 31, 2022 December 31, 2022: Licenses $ 4,773 $ — $ 4,773 N/A Leases 2,959 (2,866) 93 1.0 Trade name 1,228 (266) 962 7.8 Developed technologies 16,770 (5,164) 11,606 3.6 Customer relationships 7,980 (3,001) 4,979 3.1 Patents, trademarks, and other 2,768 (1,150) 1,618 4.3 Total Intangibles $ 36,478 $ (12,447) $ 24,031 3.9 December 31, 2021: Licenses $ 4,773 $ — $ 4,773 Leases 2,959 (2,539) 420 Trade name 1,373 (160) 1,213 Developed technologies 11,516 (2,721) 8,795 Customer relationships 7,589 (1,771) 5,818 Patents, trademarks, and other 2,373 (729) 1,644 Total Intangibles $ 30,583 $ (7,920) $ 22,663 The Company acquired an insurance company in 2007, which originally included licenses in 23 states. These licenses were valued at $4.8 million. The Company is currently licensed in all 50 states, the District of Columbia and Puerto Rico. Most licenses are renewed annually upon payment of various fees assessed by the issuing state. Renewal costs are expensed as incurred. This is considered an indefinite-lived intangible asset given the planned renewal of the certificates of authority and applicable licenses for the foreseeable future. Amortization expense associated with intangible assets was $4.8 million, $4.9 million, and $1.9 million for the years ended December 31, 2022, 2021, and 2020, respectively. As of December 31, 2022, expected amortization expense relating to purchased intangible assets for each of the next five years and thereafter is as follows (in thousands): Year ending December 31: 2023 $ 5,606 2024 5,175 2025 4,456 2026 1,459 2027 1,311 Thereafter 589 Total $ 18,596

Investment Securities (Notes)

Investment Securities (Notes)	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Investments	InvestmentsAvailable-for sale securities are classified as short-term versus long-term investments based on whether they represent the investment of funds available for current operations. All available-for-sale securities are considered short-term in nature, with the exception of certain long-term investments that are being held for statutory requirements. Held-to-maturity securities are classified as short-term versus long-term investments based on the effective maturity dates. 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 December 31, 2022 and 2021 (in thousands): Amortized Gross Gross Fair As of December 31, 2022 Long-term investments: Available-for-Sale Investments Foreign deposits $ 7,683 $ — $ — $ 7,683 $ 7,683 $ — $ — $ 7,683 Held-to-Maturity Investments U.S. Treasury securities $ 158 $ — $ (4) $ 154 $ 158 $ — $ (4) $ 154 Short-term investments: Available-for-Sale Investments U.S. Treasury securities $ 42,833 $ — $ (186) $ 42,647 Mortgage-backed securities and collateralized mortgage obligations 8,015 — (97) 7,918 Other asset-backed securities 11,286 — (77) 11,209 Municipal bond 1,000 — (6) 994 Corporate bonds 37,793 — (262) 37,531 $ 100,927 $ — $ (628) $ 100,299 Held-to-Maturity Investments U.S. Treasury securities $ 12,059 $ — $ (58) $ 12,001 Certificates of deposit 3,254 — — 3,254 U.S. government funds 41,192 — — 41,192 $ 56,505 $ — $ (58) $ 56,447 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Available-for-Sale Investments Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: Held-to-Maturity 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 and held-to-maturity were as follows (in thousands): December 31, 2022 Amortized Fair Available-for-sale: Due under one year $ 10,137 $ 10,108 Due after one year through five years 98,473 97,875 $ 108,610 $ 107,983 Held-to-maturity: Due under one year $ 56,505 $ 56,447 Due after one year through five years 158 154 $ 56,663 $ 56,601 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 was $0.6 million of unrealized losses and nil for the years ended December 31, 2022 and 2021, respectively. Further, any available-for-sale debt securities with unrealized losses have been in the loss position for less than twelve months. The Company does not expect any credit losses from its available-for-sale debt securities, considering the composition of the investment portfolio and the credit rating of these investments. For those securities, the Company determined it is not likely to, and did not intend to, sell prior to a potential recovery.

Other Investments (Notes)

Other Investments (Notes)	12 Months Ended
	Dec. 31, 2022
Other Investments [Abstract]
Other Investments	Other Investments Investment in Variable Interest Entity 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 stock 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 — see Note 8. 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 $6.3 million and $4.5 million as of December 31, 2022 and 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 $0.8 million and $0.9 million of these services for the years ended December 31, 2022 and 2021, respectively. Investment in Joint Venture In September 2018, the Company acquired a non-controlling equity interest in a joint venture in Australia, whereby it has committed to licensing certain intellectual property and contributing up to $2.2 million AUD upon the achievement of specific operational milestones over a period of at least four years from the agreement execution date. As of December 31, 2022, the Company has contributed $1.0 million AUD. This equity investment is accounted for using the equity method and is classified in other long-term assets on the Company's consolidated balance sheet. The Company's share of income and losses from this equity method investment is included in gain (loss) from investment in joint venture on its consolidated statement of operations. Also included in this line item are income and expenses associated with administrative services provided to the joint venture.

Fair Value (Notes)

Fair Value (Notes)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value	Fair Value Investments The following table summarizes, 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 December 31, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 1,633 $ 1,633 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 7,918 — 7,918 — Other asset-backed securities 11,209 — 11,209 — Corporate bonds 37,531 — 37,531 — Foreign deposits 7,683 7,683 — — Municipal bond 994 — 994 — U.S. Treasury securities 42,647 — 42,647 — Preferred stock in variable interest entity 4,115 — — 4,115 Total $ 113,730 $ 9,316 $ 100,299 $ 4,115 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 stock 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. Our fixed maturity investments classified as either Level 1 or Level 2 in the above tables are priced exclusively by external sources, including pricing vendors, dealers/market makers, and exchange-quoted prices. The fair value of our fixed maturity investments classified as Level 2 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. Held-to-maturity investments are carried at amortized cost and the fair value and changes in unrealized gains (losses) are disclosed in Note 6, Investments. The fair value of these investments is determined in the same manner as available-for-sale securities and are considered either a Level 1 or Level 2 measurement. The Company's preferred stock investment in the variable interest entity (see Note 7) 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 $4.1 million and $8.4 million as of December 31, 2022 and 2021, respectively, recorded in other long-term assets on the Company's consolidated balance sheet. A $4.3 million unrealized loss and a $0.5 million unrealized gain was recorded in the statement of other comprehensive income for the year ended December 31, 2022 and 2021, respectively. The Company considers the unrealized loss of $2.9 million as of December 31, 2022 to be temporary in nature. The Company's other long-term assets balance also included notes receivable of $9.3 million and $7.6 million as of December 31, 2022 and 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. 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 December 31, 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 years ended December 31, 2022 and 2021.

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and ContingenciesLegal ProceedingsFrom 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)	12 Months Ended
	Dec. 31, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Reserve for Veterinary Invoices	Reserve for Veterinary Invoices 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. Reserve for veterinary invoices Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Year Ended December 31, Subscription 2022 2021 2020 Reserve at beginning of year $ 22,407 $ 19,925 $ 15,541 Veterinary invoices during the period related to: Current year 439,679 357,859 278,776 Prior years (2,799) (1,411) 229 Total veterinary invoice expense 436,880 356,448 279,005 Amounts paid during the period related to: Current year 414,778 333,182 259,971 Prior years 18,739 16,109 13,387 Total paid 433,517 349,291 273,358 Non-cash expenses 4,227 4,675 1,263 Reserve at end of period $ 21,543 $ 22,407 $ 19,925 The Company's reserve for the subscription business segment decreased $0.9 million from $22.4 million at December 31, 2021 to $21.5 million at December 31, 2022. This change was primarily comprised of $436.9 million in expense recorded during the period less $433.5 million in payments of veterinary invoices. This $436.9 million in veterinary invoice expense incurred included a reduction of $2.8 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. The Company's adjustments to prior year reserves were a reduction of $1.4 million and an increase of $0.2 million as a result of analysis of payment trends in the years ended December 31, 2021 and 2020, respectively. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Year Ended December 31, Other Business 2022 2021 2020 Reserve at beginning of year $ 17,264 $ 9,004 $ 5,653 Veterinary invoices during the period related to: Current year 211,729 129,826 72,286 Prior years 1,128 (212) (167) Total veterinary invoice expense 212,857 129,614 72,119 Amounts paid during the period related to: Current year 190,031 112,574 63,359 Prior years 17,899 8,780 5,409 Total paid 207,930 121,354 68,768 Non-cash expenses — — — Reserve at end of period $ 22,191 $ 17,264 $ 9,004 The Company’s reserve for the other business segment increased $4.9 million from $17.3 million at December 31, 2021 to $22.2 million at December 31, 2022. This change was comprised of $212.9 million in expense recorded during the period less $207.9 million in payments of veterinary invoices. This $212.9 million in veterinary invoice expense incurred included an increase of $1.1 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. The Company's adjustments to decrease prior year reserves were $0.2 million and $0.2 million as a result of analysis of payment trends in each of the years ended December 31, 2021 and 2020, respectively. Veterinary invoice expenses In the following tables, the cumulative number of veterinary invoices represents the total number received as of December 31, 2022, by year the veterinary invoice relates to, referred to as the year of occurrence. If a pet is injured or becomes ill, multiple trips to the veterinarian may result in several invoices. Each of these veterinary invoices is included in the cumulative number, regardless of whether the veterinary invoice was paid. Information for years 2019 through 2021 is provided as required supplementary information. Amounts in these tables are presented on a constant currency basis to remove the impact of changes in the foreign currency exchange rate on development. The cumulative expenses as of the end of each year are revalued using the currency exchange rate as of December 31, 2022. The following table summarizes the development of veterinary invoice expense, on a constant currency basis, for the Company's subscription business segment by year of occurrence (in thousands, except for cumulative number of veterinary invoices data): Cumulative veterinary invoice expenses Reserve Cumulative number of veterinary invoices As of December 31, As of December 31, Subscription 2019 2020 2021 2022 2022 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 231,064 $ 231,451 $ 231,271 $ 231,004 $ — 1,062,289 2020 $ 278,199 $ 277,297 $ 276,811 $ — 1,196,283 2021 $ 352,736 $ 350,462 $ 869 1,461,528 2022 $ 436,406 $ 20,674 1,647,508 $ 1,294,683 $ 21,543 The following table summarizes the development of veterinary invoice expense, on a constant currency basis, for the Company's other business segment by year of occurrence (in thousands, except for cumulative number of veterinary invoices data): Cumulative veterinary invoice expenses Reserve Cumulative number of veterinary invoices As of December 31, As of December 31, Other Business 2019 2020 2021 2022 2022 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 38,879 $ 38,604 $ 38,676 $ 38,725 $ — 283,095 2020 $ 72,284 $ 72,021 $ 72,251 $ — 535,071 2021 $ 129,809 $ 130,645 $ 493 901,453 2022 $ 211,720 $ 21,698 1,210,566 $ 453,341 $ 22,191 Cumulative paid veterinary invoice expense In the following tables, amounts are by the year the veterinary invoice relates to, referred to as the year of occurrence. Amounts in these tables are presented on a constant currency basis to remove the impact of changes in the foreign currency exchange rate. The cumulative amounts paid as of the end of each year are revalued using the currency exchange rate as of December 31, 2022. Information for years 2019 through 2021 is provided as required supplementary information. The following table summarizes the amounts paid for veterinary invoices, inclusive of related internal processing costs and reported on a constant currency basis, for the subscription segment (in thousands): Year Ended December 31, Subscription 2019 2020 2021 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 217,546 $ 229,779 $ 230,609 $ 231,004 2020 $ 260,786 $ 275,564 $ 276,811 2021 $ 332,895 $ 349,593 2022 $ 415,732 $ 1,273,140 Total amounts unpaid and recorded as a liability $ 21,543 The following table summarizes the amounts paid for veterinary invoices, inclusive of related internal processing costs and reported on a constant currency basis, for the other business segment (in thousands): Year Ended December 31, Other Business 2019 2020 2021 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 33,252 $ 38,572 $ 38,676 $ 38,725 2020 $ 63,357 $ 72,009 $ 72,251 2021 $ 112,557 $ 130,152 2022 $ 190,022 $ 431,150 Total amounts unpaid and recorded as a liability $ 22,191

Debt (Notes)

Debt (Notes)	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Long-Term Debt [Text Block]	Debt On March 25, 2022, the Company entered into a credit agreement with Piper Sandler Finance, LLC 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. On December 29, 2022, the Company borrowed a Delayed Draw Term loan of $15.0 million; 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 stated interest rate as of December 31, 2022 was approximately 9.7% for the original $60.0 million term loan and for the $15.0 million term loan. The Company incurred total debt issuance cost of approximately $5.9 million, which is reported in the Consolidated Balance Sheet as a direct reduction 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 December 31, 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 December 31, 2022 are as follows (in thousands): Year Ending December 31, December 31, 2022 2023 $ 1,103 2024 750 2025 750 2026 750 2027 71,513 Total $ 74,865

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Stock-based Compensation	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 for the years ended December 31, 2022, 2021 and 2020 was as follows (in thousands): Year Ended December 31, 2022 2021 2020 Veterinary invoice expense $ 4,145 $ 4,538 $ 1,118 Other cost of revenue 2,339 2,610 468 Technology and development 4,742 3,056 758 General and administrative 12,831 8,862 3,795 New pet acquisition expense 9,336 9,160 2,773 Total expensed stock-based compensation 33,393 28,226 8,912 Capitalized stock-based compensation 1,633 676 235 Total stock-based compensation $ 35,026 $ 28,902 $ 9,147 As of December 31, 2022, the Company had 1,112,552 unvested restricted stock units. Stock-based compensation expenses of $82.3 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.6 years. Stock Options The grant date fair value of stock option awards are estimated on the date of grant using the Black-Scholes option-pricing model. The Company did not grant any new stock options during the years ended December 31, 2022, 2021, and 2020. The following table presents information regarding stock options granted, exercised and forfeited for the periods presented: Number Weighted Average Aggregate Outstanding as of January 1, 2020 2,097,978 $ 9.86 $ 57,907 Granted — — — Exercised (626,554) 9.54 35,696 Forfeited (12,134) 17.41 — Outstanding as of December 31, 2020 1,459,290 9.93 160,200 Granted — — — Exercised (647,164) 5.59 58,200 Forfeited (4,921) 13.66 — Outstanding as of December 31, 2021 807,205 13.39 95,765 Granted — — — Exercised (174,721) 12.82 10,931 Forfeited (2,834) 18.87 — Outstanding as of December 31, 2022 629,650 13.53 21,410 Exercisable at December 31, 2022 629,650 $ 13.53 $ 21,410 As of December 31, 2022, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 3.4 years. The fair value of options vested were as follows for the years ended December 31, 2022, 2021, and 2020. The Company didn't grant any stock options in these three years. Weighted Average Grant Date Fair Value per Share Fair Value of Options Vested Year: 2020 $ — $ 1,105 2021 $ — $ 313 2022 $ — $ — Restricted Stock Awards and Restricted Stock Units The below table summarizes the Company’s restricted stock award and restricted stock unit activity for the years ended December 31, 2022, 2021 and 2020: Number of Weighted Average Unvested shares as of January 1, 2020 581,943 $ 29.56 Granted 535,184 37.60 Vested (266,640) 29.77 Forfeited (67,732) 31.51 Unvested shares as of December 31, 2020 782,755 34.81 Granted 787,730 101.32 Vested (426,725) 40.10 Forfeited (56,133) 72.93 Unvested shares as of December 31, 2021 1,087,627 78.94 Granted 623,401 84.11 Vested (516,077) 72.81 Forfeited (82,399) 81.91 Unvested shares as of December 31, 2022 1,112,552 $ 84.46

Stockholder's Equity (Notes)

Stockholder's Equity (Notes)	12 Months Ended
	Dec. 31, 2022
Equity [Abstract]
Stockholders' Equity	Stockholders ’ Equity Common Stock and Preferred Stock As of December 31, 2022, the Company had 100,000,000 shares of common stock authorized and 41,013,158 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 December 31, 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 95,021 shares during the year ended December 31, 2022. The Company did not repurchase any shares under this program during the year ended December 31, 2021.

Segments (Notes)

Segments (Notes)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Segments	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): Year Ended December 31, 2022 2021 2020 Subscription business: Revenue $ 596,610 $ 494,862 $ 387,732 Veterinary invoice expense 436,880 356,448 279,005 Other cost of revenue 60,804 51,216 35,870 Technology and development 16,555 11,942 7,673 General and administrative 25,964 22,579 16,866 New pet acquisition expense 88,959 78,148 47,017 Depreciation and amortization 7,205 8,494 5,451 Subscription business operating loss (39,757) (33,965) (4,150) Other business: Revenue 308,569 204,129 114,296 Veterinary invoice expense 212,857 129,614 72,119 Other cost of revenue 72,453 57,367 33,133 Technology and development 8,578 4,924 2,274 General and administrative 13,415 9,314 4,981 New pet acquisition expense 541 499 820 Depreciation and amortization 3,716 3,471 1,620 Other business operating income (loss) (2,991) (1,060) (651) Loss from investment in joint venture (253) (171) (126) Total operating loss $ (43,001) $ (35,196) $ (4,927) The following table presents the Company’s revenue by geographic region of the member (in thousands): Year Ended December 31, 2022 2021 2020 United States $ 764,349 $ 580,966 $ 419,162 Canada and other 140,830 118,025 82,866 Total revenue $ 905,179 $ 698,991 $ 502,028 Substantially all of the Company’s long-lived assets were located in the United States as of December 31, 2022 and 2021.

Dividend Restrictions Statutory

Dividend Restrictions Statutory Surplus (Notes)	12 Months Ended
	Dec. 31, 2022
Insurance [Abstract]
Dividend Restrictions And Statutory Surplus	Dividend Restrictions and Statutory Surplus The Company’s business operations are conducted through subsidiaries, one of which is an insurance company domiciled in New York, American Pet Insurance Company (APIC), and one of which is a segregated cell business, Wyndham Segregated Account AX, located in Bermuda. In 2021, the Company established two new wholly-owned insurance subsidiaries in the United States, ZPIC Insurance Company (ZPIC) and QPIC Insurance Company (QPIC), domiciled in Missouri and Nebraska, respectively. The Company is also awaiting final required approvals for a Canadian insurer, GPIC Insurance Company. In addition to general state law restrictions on payments of dividends and other distributions to stockholders applicable to all corporations, insurance companies are subject to further regulations that, among other things, may require such companies to maintain certain levels of equity and restrict the amount of dividends and other distributions that may be paid to their parent corporations. Applicable regulations generally restrict the ability of the insurance entities to pay dividends to its holding company parent. These restrictions are based in part on the prior year’s statutory income and surplus. In the United States, dividends up to specified levels are generally considered ordinary and may be paid without prior approval. Dividends, in larger amounts, known as extraordinary dividends, are subject to approval by the insurer's domiciliary state regulator. An extraordinary dividend or distribution is generally defined as a dividend or distribution that, in the aggregate in any 12-month period, exceeds the lesser of (i) 10% of surplus as of the preceding December 31 or (ii) the insurer’s adjusted net investment income for such 12-month period, not including realized capital gains. None of the Company's insurance subsidiaries paid dividends to the Company during the years ended December 31, 2022, 2021, and 2020. The Company's insurance subsidiary in Bermuda is regulated by the Bermuda Monetary Authority. Under the Bermuda Companies Act of 1981, as amended, a Bermuda company may not declare or pay a dividend or make a distribution out of contributed surplus if there are reasonable grounds for believing that: (a) the company is, or would be after the payment, unable to pay its liabilities as they become due; or (b) the realizable value of the company’s assets would thereby be less than its liabilities. The Segregated Accounts Company Act of 2000 further requires that dividends out of a segregated account can only be paid to the extent that the cell remains solvent. The value of its assets must remain greater than the aggregate of its liabilities, issued share capital, and share premium accounts. Per our contractual agreements with Wyndham Insurance Company (SAC) Limited, the allowable dividend is equivalent to the positive undistributed profit attributable to the shares. This insurance subsidiary paid the Company a dividend of $6.9 million, $5.6 million, and $4.7 million during the years ended December 31, 2022, 2021 and 2020, respectfully. The statutory net income for 2022, 2021 and 2020 and statutory capital and surplus at December 31, 2022, 2021 and 2020, for the Company’s insurance subsidiary in New York were as follows (in thousands): As of December 31, 2022 2021 2020 Statutory net income $ 35,227 $ 24,409 $ 17,547 Statutory capital and surplus $ 162,232 $ 124,189 $ 93,171 As of December 31, 2022, the Company’s insurance subsidiary in New York maintained $162.2 million of statutory capital and surplus which was above the required amount of $142.4 million of statutory capital and surplus to avoid additional regulatory oversight. The Company has funded $8.0 million and $7.8 million of statutory capital to ZPIC and QPIC, respectively, as of December 31, 2022. ZPIC and QPIC will each be required to maintain a level of surplus as determined by their respective domiciliary regulators. As of December 31, 2022, neither ZPIC nor QPIC has begun underwriting any insurance policies. As of December 31, 2022, the Company had $13.0 million on deposit with various states in which it is licensed to write policies.

Income Taxes (Notes)

Income Taxes (Notes)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Loss before income taxes was as follows for the years ended December 31, 2022, 2021 and 2020 (in thousands): Year Ended December 31, 2022 2021 2020 United States $ (43,794) $ (34,052) $ (5,408) Foreign (402) (1,168) (319) $ (44,196) $ (35,220) $ (5,727) The components of income tax expense (benefit) were as follows (in thousands): Year Ended December 31, 2022 2021 2020 Current: U.S. federal & state $ 82 $ 58 $ 198 Foreign 814 2,066 45 896 2,124 243 Deferred: U.S. federal & state 11 (15) (9) Foreign (431) (1,799) (121) (420) (1,814) (130) Income tax expense (benefit) $ 476 $ 310 $ 113 A reconciliation of income tax expense at the statutory federal income tax rate and income taxes as reflected in the financial statements is presented below: Year Ended December 31, 2022 2021 2020 Federal income taxes at statutory rate 21.0 % 21.0 % 21.0 % U.S. state income taxes 3.5 7.5 (2.6) Equity compensation 2.5 30.4 122.3 Change in valuation allowance (26.7) (58.4) (136.0) Other, net (1.7) (1.7) (4.1) Credits 0.3 0.3 (2.6) Effective income tax rate (1.1) % (0.9) % (2.0) % The principal components of the Company’s deferred tax assets and liabilities were as follows (in thousands): As of December 31, 2022 2021 Deferred tax assets: Deferred revenue $ 8,610 $ 6,232 Accruals and reserves 1,860 2,294 Net operating loss carryforwards 63,772 52,796 Depreciation and amortization 1,421 833 Equity compensation 3,179 4,126 Credits 997 847 Other 1,661 381 Total deferred tax assets 81,500 67,509 Deferred tax liabilities: Deferred costs (1,322) (887) Intangible assets (3,603) (2,802) Other (2,398) (1,817) Total deferred tax liabilities (7,323) (5,506) Total deferred taxes 74,177 62,003 Less deferred tax asset valuation allowance (77,507) (64,791) Net deferred tax liability $ (3,330) $ (2,788) At December 31, 2022, the Company had U.S. federal and state net operating loss carryforwards of $63.8 million (tax-effected) and U.S. federal income tax credits of $1.0 million. Use of carryforwards is limited based on the future income of the Company. The federal net operating loss carryforwards will begin to expire in 2026. Foreign net operating loss carryforwards will begin to expire in 2023. U.S. federal income tax credits will begin to expire in 2036. Pursuant to Sections 382 and 383 of the Internal Revenue Code, annual use of the Company’s net operating loss carryforwards and credit carryforwards may be limited if the Company experiences an ownership change. As of December 31, 2022, the utilization of approximately $0.5 million of net operating losses are subject to limitation as a result of prior ownership changes; however, subsequent ownership changes may further affect the limitation in future years. A valuation allowance is required to reduce the deferred tax assets reported if, based on the weight of available evidence, it is more likely than not that some portion or all of the deferred tax assets will not be realized. After consideration of all the evidence, both positive and negative, the Company has recorded a full valuation allowance against its U.S. Federal and the majority of its U.S. State deferred tax assets as of December 31, 2022, 2021, and 2020 because the Company’s management has determined that it is more likely than not that these assets will not be fully realized. For the year ended December 31, 2022, the Company recognized a net increase of $13.0 million in valuation allowance against its net deferred tax assets associated with U.S. federal and certain state jurisdictions, primarily attributable to current year activity. The Company is open to examination by the U.S. federal tax jurisdiction for the years ended December 31, 2019 through 2022, and is also open to examination for 2006 and forward with respect to net operating loss carryforwards generated and carried forward from those years in the United States. The Company is subject to taxation in various states and countries, and may be subject to audit or examination by the relevant authorities in respect to those particular jurisdictions primarily for 2017 and thereafter. For the year ended December 31, 2022, the Company intends to invest substantially all of its foreign subsidiary earnings, as well as its capital in its foreign subsidiaries, indefinitely outside of the U.S. in those jurisdictions in which it would incur significant, additional costs upon repatriation of such amounts. A deferred tax liability related to taxes due upon repatriation to the U.S. has not been recorded. The Company is booking Global Intangible Low-Taxed Income ("GILTI") on a current basis and is not booking deferred taxes related to GILTI. The Company accounts for uncertain tax positions based on a two-step process of evaluating recognition and measurement criteria. The first step assesses whether the tax position is more likely than not to be sustained upon examination by the taxing authority, including resolution of any appeals or litigation, on the basis of the technical merits of the position. If the tax position meets the more-likely-than-not criteria, the portion of the tax benefit greater than 50% likely to be realized upon settlement with the relevant taxing authority is recognized in the financial statements. No significant changes in uncertain tax positions are expected in the next twelve months. A reconciliation of the beginning and ending amount of gross unrecognized tax benefits is as follows (in thousands): Year Ended December 31, 2022 2021 2020 Balance, beginning of year $ 138 $ 133 $ 113 Increases (decreases) to tax positions related to prior periods 8 — 15 Increases to tax positions related to the current year 5 5 5 Balance, end of year $ 151 $ 138 $ 133

Retirement Plan (Notes)

Retirement Plan (Notes)	12 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Employee Benefits	Employee BenefitsThe Company has a 401(k) plan for its U.S. employees. The plan allows employees to contribute a percentage of their pretax earnings annually, subject to limitations imposed by the Internal Revenue Service. The plan also allows the Company to make a matching contribution, subject to certain limitations. To date, the Company has made no contributions to the 401(k) plan.

Related Party Disclosures (Note

Related Party Disclosures (Notes)	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Related Parties	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 $3.5 million and $2.7 million of expenses for consulting services provided by the investee related to pet acquisition during the years ended December 31, 2022 and 2021, respectively, recorded as new pet acquisition expense on the Company's consolidated statement of operations.

Schedule 1-Parent Only Disclosu

Schedule 1-Parent Only Disclosures [Schedule] (Notes)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Schedule 1 - Condensed Financial Information of Registrant	Trupanion, Inc. Condensed Statements of Operations and Comprehensive Loss (Parent Company Only, in thousands) Year Ended December 31, 2022 2021 2020 Expenses: Veterinary invoice expense $ 4,144 $ 4,538 $ 1,118 Other cost of revenue 2,340 2,610 468 Technology and development 4,930 3,130 1,087 General and administrative 16,346 11,714 7,055 New pet acquisition expense 9,351 9,177 2,799 Depreciation and amortization 289 473 328 Total expenses 37,400 31,642 12,855 Loss from investment in joint venture (192) (33) (108) Operating loss (37,592) (31,675) (12,963) Interest expense 4,255 (2) 1,361 Other income, net (8,047) (5,755) (4,845) Loss before equity in undistributed earnings of subsidiaries (33,800) (25,918) (9,479) Income tax benefit 14,544 12,272 8,460 Equity (loss) in undistributed earnings of subsidiaries (25,416) (21,884) (4,821) Net loss $ (44,672) $ (35,530) $ (5,840) Other comprehensive income (loss), net of taxes: Other comprehensive income (loss) of subsidiaries (9,378) 6 2,821 Other comprehensive income (loss) (9,378) 6 2,821 Comprehensive loss $ (54,050) $ (35,524) $ (3,019) Trupanion, Inc. Condensed Balance Sheets ( Parent Company Only) (In thousands, except share data) December 31, 2022 2021 Assets Current assets: Cash and cash equivalents $ 16,052 $ 33,957 Accounts and other receivables 5,739 5,452 Prepaid expenses and other assets 697 591 Total current assets 22,488 40,000 Restricted cash 19,032 13,469 Property and equipment, net 2,398 904 Intangible assets, net 5,710 5,620 Other long-term assets 13,960 16,519 Advances to and investments in subsidiaries 312,559 257,198 Total assets $ 376,147 $ 333,710 Liabilities and stockholders’ equity Current liabilities: Accounts payable, accrued liabilities, and other current liabilities $ 484 $ 254 Long-term debt - current portion 750 — Total current liabilities 1,234 254 Long-term debt 68,354 — Deferred tax liabilities 1,100 1,094 Other liabilities 162 162 Total liabilities 70,850 1,510 Stockholders’ equity: Common stock: $0.00001 par value per share, 100,000,000 shares authorized; 42,041,344 and 41,013,158 shares issued and outstanding at December 31, 2022; 41,408,350 and 40,475,185 shares issued and outstanding at December 31, 2021 — — Preferred stock: $0.00001 par value per share, 10,000,000 shares authorized; no shares issued and outstanding — — Additional paid-in capital 499,694 466,792 Accumulated other comprehensive income (loss) (6,301) 3,077 Accumulated deficit (171,562) (126,890) Treasury stock, at cost: 1,028,186 and 933,165 shares at December 31, 2022 and 2021 (16,534) (10,779) Total stockholders’ equity 305,297 332,200 Total liabilities and stockholders’ equity $ 376,147 $ 333,710 Trupanion, Inc. Condensed Statements of Cash Flows (Parent Company Only, in thousands) Year Ended December 31, 2022 2021 2020 Operating activities Net loss $ (44,672) $ (35,530) $ (5,840) Adjustments to reconcile net loss to cash provided by (used in) operating activities: (Income) loss attributable to investments in subsidiaries 19,331 17,501 170 Depreciation and amortization 289 473 328 Stock-based compensation expense 33,393 28,226 8,912 Other, net 533 (161) 240 Changes in operating assets and liabilities (166) (1,219) (1,142) Net cash provided by operating activities 8,708 9,290 2,668 Investing activities Cash paid in business acquisition, net of cash acquired (15,034) — (48,133) Purchases of property and equipment (516) (280) (341) Advances to and investments in subsidiaries (71,671) (71,721) (24,885) Dividends from subsidiaries 6,942 5,567 4,651 Other investments (1,598) (1,755) — Net cash used in investing activities (81,877) (68,189) (68,708) Financing activities Issuance of common stock, net of offering costs — — 192,265 Repurchase of common stock (5,755) — — Proceeds from exercise of stock options 2,290 3,607 6,013 Taxes paid related to net share settlement of equity awards (4,359) (4,732) (1,115) Proceeds from debt financing, net of financing fees 69,138 — 6,213 Repayments of debt financing (487) — (32,450) Other financing — — (78) Net cash (used in) provided by financing activities 60,827 (1,125) 170,848 Net change in cash, cash equivalents, and restricted cash (12,342) (60,024) 104,808 Cash, cash equivalents, and restricted cash at beginning of period 47,426 107,450 2,642 Cash, cash equivalents, and restricted cash at end of period $ 35,084 $ 47,426 $ 107,450 1. Organization and Presentation The accompanying condensed financial statements present the financial position, results of operations and cash flows for Trupanion, Inc. These condensed unconsolidated financial statements should be read in conjunction with the consolidated financial statements of Trupanion, Inc. and its subsidiaries and the notes thereto (the Consolidated Financial Statements). Investments in subsidiaries are accounted for using the equity method of accounting. Trupanion, Inc. received cash dividends from a subsidiary of $6.9 million, $5.6 million and $4.7 million for the years ended December 31, 2022, 2021 and 2020, respectively. These cash dividends were recorded within Trupanion, Inc.'s other income and were eliminated within the consolidated financial statements of Trupanion, Inc.

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
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") provides medical insurance for cats and dogs throughout the United States, Canada, Puerto Rico, and Australia. Through the Company's data-driven, vertically-integrated approach, the Company develops and offers high value medical insurance products, priced specifically for each pet’s unique characteristics and coverage level. Basis of Presentation The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("GAAP") and include the accounts of the Company and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation.
Use of Estimates [Policy Text Block]	Use of EstimatesThe 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.
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Cash, Cash Equivalents and Restricted Cash The Company considers all highly liquid investments with an original maturity of three months or less to be cash equivalents. At times, cash on deposit may be in excess of the applicable federal deposit insurance corporation limits. The Company considers any cash account that is contractually restricted to withdrawal or use to be restricted cash. The Company is required to maintain certain restricted cash balances to comply with insurance company regulations. As of December 31, 2022, the Company was in compliance with all requirements.
Trade and Other Accounts Receivable, Policy [Policy Text Block]	Accounts and Other Receivables Receivables are comprised of trade receivables and other miscellaneous receivables. Accounts and other receivables are carried at their estimated collectible amounts. Accounts receivable balance is primarily related to the Company’s other business segment where the Company generates revenue from underwriting policies through unaffiliated general agents. These policies are typically annual policies, with monthly payment terms through the end of the twelve-month period. The Company had $220.8 million and $159.4 million accounts receivable associated with underwriting these policies as of December 31, 2022 and 2021, respectively.
Deferred Policy Acquisition Costs, Policy [Policy Text Block]	Deferred Acquisition CostsThe Company incurs certain costs, including premium taxes, fees and enrollment-based bonuses, and referral fees that directly relate to the successful acquisition of new or renewal customer contracts. These costs are deferred and are included in prepaid expenses and other assets on the consolidated balance sheet and amortized over the related policy term to the applicable financial statement line item, either new pet acquisition expense or other cost of revenue. Deferred acquisition costs as of December 31, 2022 and 2021 were $6.0 million and $4.3 million, respectively. Amortized deferred acquisition costs classified within new pet acquisition expense amounted to $4.9 million, $4.7 million, and $3.2 million and amortized deferred acquisition costs classified within other cost of revenue amounted to $33.9 million, $30.5 million, and $23.2 million, for the years ended December 31, 2022, 2021, and 2020, respectively.
Investment, Policy [Policy Text Block]	Investments The Company invests in investment grade fixed maturity securities of varying maturities. Available-for-sale securities are reported at fair value with unrealized gains and losses included in accumulated other comprehensive loss. Held-to-maturity securities are reported at amortized cost. Premiums or discounts on fixed maturity securities are amortized or accreted over the life of the security and included in interest income. There have been no realized gains and losses on sales of fixed maturity securities.
Fair Value Measurement, Policy [Policy Text Block]	Fair Value of Financial Instruments The Company is required to disclose information on all assets and liabilities reported at fair value that enables an assessment of the inputs used in determining the reported fair values. The fair value hierarchy prioritizes valuation inputs based on the observable nature of those inputs. The fair value hierarchy applies only to the valuation inputs used in determining the reported fair value of the investments and is not a measure of the investment credit quality. The hierarchy defines three levels of valuation inputs: Level 1 - Quoted prices in active markets for identical assets or liabilities Level 2 - Inputs other than quoted prices that are observable for the asset or liability, either directly or indirectly Level 3 - Unobservable inputs that reflect the Company's own assumptions about the assumptions market participants would use in pricing the asset or liability The Company's financial instruments, in addition to those presented in Note 8, Fair Value, include cash and cash equivalents, accounts receivable, accounts payable, and accrued liabilities. The carrying amounts of accounts receivable, accounts payable, and accrued liabilities approximate fair value because of the short-term nature of these instruments.
Property, Plant and Equipment, Policy [Policy Text Block]	Property and Equipment Property and equipment primarily consists of building, land and land improvements, office equipment, internally-developed software related to the Company’s website, and internal support systems, capitalized during the application development stage of the project. Property and equipment is recorded at cost and depreciated using the straight-line method over the estimated useful life of the respective asset: Land Not depreciable Land improvements 10 years Building 39 years Software 3 to 5 years Office equipment 3 to 5 years
Goodwill and Intangible Assets, Intangible Assets, Policy [Policy Text Block]	Goodwill and Intangible Assets Goodwill and indefinite-lived intangible assets are not amortized. The Company reviews these assets for impairment at least annually or if indicators of potential impairment exist. Acquired finite-lived intangibles are amortized on a straight-line basis over the estimated useful lives of the assets.
Impairment or Disposal of Long-Lived Assets, Including Intangible Assets, Policy [Policy Text Block]	Asset Impairment Long-lived assets, including property, equipment, and intangible assets, are reviewed for impairment when events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Should an impairment exist, the impairment loss would be measured as the amount the asset's carrying value exceeds its fair value. The Company has recognized no impairment loss on long-lived assets for the years ended December 31, 2022, 2021, and 2020.
Liability Reserve Estimate, Policy [Policy Text Block]	Reserve for Veterinary Invoices 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. To determine the accrual, the Company makes assumptions based on its historical experience, including the number of veterinary invoices it expects to receive, the average cost of those veterinary invoices, the length of time between the date of the veterinary invoice and the date the Company receives it, the member's chosen deductible, and the Company's expected cost to process and administer the payments. As of each balance sheet date, the Company reevaluates its reserve and may adjust the estimate for new information.
Deferred Revenue, Policy [Policy Text Block]	Deferred Revenue Deferred revenue is primarily related to the Company’s other business segment where the Company generates revenue from underwriting policies through unaffiliated general agents. These policies are typically annual policies, with monthly payment terms through the end of the twelve-month period. Deferred revenue also consists of subscription fees received or billed in advance of the subscription services within the Company's subscription business.
Revenue Recognition, Policy [Policy Text Block]	Revenue Recognition The Company generates revenue primarily from subscription fees and through underwriting policies for unaffiliated general agents. Revenue is recognized pro-rata over the terms of the customer contracts.
Cost of Sales, Policy [Policy Text Block]	Veterinary Invoice Expense Veterinary invoice expense includes the Company’s costs to review veterinary invoices, administer the payments, and provide member services, and other operating expenses directly or indirectly related to this process. The Company also accrues for veterinary invoices that have been incurred but not yet received or paid. This also includes amounts paid by unaffiliated general agents, and an estimate of amounts incurred and not yet paid for the other business segment.
Other Costs of Revenue, Policy [Policy Text Block]	Other Cost of Revenue Other cost of revenue for the subscription business segment includes direct and indirect member service expenses, Territory Partner renewal fees, credit card transaction fees and premium tax expenses. Other cost of revenue for the other business segment includes the commissions the Company pays to unaffiliated general agents and costs to administer the programs in the other business segment.
Research and Development Expense, Policy [Policy Text Block]	Technology and DevelopmentTechnology and development expenses primarily consist of personnel costs and related expenses for the Company's technology staff, which includes information technology development and infrastructure support and third-party services. It also includes expenses associated with development of new products and offerings.
Selling, General and Administrative Expenses, Policy [Policy Text Block]	General and Administrative General and administrative expenses consist primarily of personnel costs and related expenses for the Company’s finance, actuarial, human resources, legal, regulatory, and general management functions, as well as facilities and professional services. New Pet Acquisition Expense
Nonoperating Income (Expense)	Other Income, NetOther income, net, was $3.1 million, nil, and $0.6 million, including interest income of $3.0 million, $0.3 million, and $0.6 million for the years ended December 31, 2022, 2021, and 2020, respectively.
Advertising Costs, Policy [Policy Text Block]	Advertising Advertising costs are expensed as incurred, with the exception of television advertisements, which are expensed the first time each advertisement is aired. Advertising costs amounted to $25.5 million, $23.6 million and $13.4 million, in the years ended December 31, 2022, 2021 and 2020, respectively.
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	Stock-Based Compensation Compensation expense related to stock-based transactions, including employee and non-employee stock option awards, restricted stock awards, and restricted stock units, is measured and recognized in the financial statements based on fair value. The fair value of restricted stock awards and restricted stock units is the common stock price as of the measurement date. The fair value of stock options is estimated on the measurement date using the Black-Scholes option-pricing model that requires management to apply judgment and make estimates, including: • Expected volatility —The Company estimates the expected volatility based on the historical volatility of a representative group of publicly traded companies with similar characteristics to the Company, and its own historical volatility; • Expected term for awards granted to employees —The Company has based its expected term for awards issued to employees on the simplified method, as permitted by the SEC Staff Accounting Bulletin Topic 14, Share-Based Payment; • Risk-free interest rate —The risk-free interest rate is based on the yields of U.S. Treasury securities with maturities similar to the expected term of the options; and • Expected dividend yield —The Company has never declared or paid any cash dividends and does not presently plan to pay cash dividends in the foreseeable future. Consequently, the Company uses an expected dividend yield of zero.
Income Tax, Policy [Policy Text Block]	Income Taxes The Company uses the asset and liability approach for accounting and reporting income taxes. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities, and their respective tax bases, operating loss, and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a tax rate change is recognized in the period that includes the enactment date. Valuation allowances are provided for when it is considered more likely than not that deferred tax assets will not be realized. The Company recognizes the effect of income tax positions only if those positions are more likely than not of being sustained. Recognized income tax positions are measured at the largest amount that is greater than a 50% likelihood of being realized. Penalties and interest are classified as a component of income taxes.
Foreign Currency Transactions and Translations Policy [Policy Text Block]	Foreign Currency TranslationThe Company’s consolidated financial statements are reported in U.S. dollars. Assets and liabilities denominated in foreign currencies were translated to U.S. dollars, the reporting currency, at the exchange rates in effect on the balance sheet date. Revenue and expenses denominated in foreign currencies were translated to U.S. dollars using a weighted average rate for the relevant reporting period. Cumulative translation adjustments of $2.8 million, $(1.6) million, and $(2.1) million were recorded in accumulated other comprehensive loss (income) as of December 31, 2022, 2021, and 2020, respectively.
Reinsurance Accounting Policy [Policy Text Block]	Insurance Operations Effective January 1, 2015, the Company formed a segregated account in Bermuda as part of Wyndham Insurance Company (SAC) Limited (WICL) and entered into a revised fronting and reinsurance arrangement with Omega General Insurance Company (Omega) to include its newly formed segregated account. The Company maintains all risk with the business written in Canada and consolidates the entity in its financial statements. Dividends are allowed subject to the Segregated Accounts Company Act of 2000, which allows for dividends only to the extent that the entity remains solvent and the value of its assets remain greater than the aggregate of its liabilities and its issued share capital and share premium accounts. For the Company’s Canadian business, all plans are written by Omega and the risk is assumed by the Company through a fronting and reinsurance agreement. Premiums are recognized and earned pro rata over the terms of the related customer contracts. Revenue recognized from the agreement in 2022, 2021, and 2020 was $135.9 million, $112.0 million and $81.3 million, respectively, and deferred revenue relating to this arrangement at December 31, 2022 and 2021 was $6.4 million and $4.7 million, respectively. Reinsurance revenue was 15%, 16%, and 16% of total revenue in 2022, 2021, and 2020, respectively. Cash designated for the purpose of paying claims related to this reinsurance agreement was $7.2 million and $7.7 million at December 31, 2022 and 2021, respectively. In addition, as required by the Office of the Superintendent of Financial institutions regulations related to the Company’s reinsurance agreement with Omega, the Company is required to fund a Canadian Trust account with the greater of CAD $2.0 million or 120% of unearned Canadian premium plus 20% of outstanding Canadian claims, including all incurred but not reported claims. As of December 31, 2022, the account balance was CAD $10.4 million and the Company was in compliance with all requirements. The Company has not transferred any risk to third-party reinsurers.
Concentration Risk, Credit Risk, Policy [Policy Text Block]	Concentrations of Credit Risk Financial instruments, which potentially subject the Company to concentration of credit risk, consist primarily of cash and cash equivalents, investments, and debt. The Company manages its risk by investing cash equivalents and investment securities in money market instruments and securities of the U.S. government, U.S. government agencies and high-credit-quality issuers of debt securities.

Other Investments details (Poli

Other Investments details (Policies)	12 Months Ended
	Dec. 31, 2022
Other Investments [Abstract]
Variable Interest Entity Disclosure [Text Block]	Investment in Variable Interest Entity 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 stock 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 — see Note 8. 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 $6.3 million and $4.5 million as of December 31, 2022 and 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 $0.8 million and $0.9 million of these services for the years ended December 31, 2022 and 2021, respectively.
Equity Method Investments and Joint Ventures Disclosure [Text Block]	Investment in Joint Venture In September 2018, the Company acquired a non-controlling equity interest in a joint venture in Australia, whereby it has committed to licensing certain intellectual property and contributing up to $2.2 million AUD upon the achievement of specific operational milestones over a period of at least four years from the agreement execution date. As of December 31, 2022, the Company has contributed $1.0 million AUD. This equity investment is accounted for using the equity method and is classified in other long-term assets on the Company's consolidated balance sheet. The Company's share of income and losses from this equity method investment is included in gain (loss) from investment in joint venture on its consolidated statement of operations. Also included in this line item are income and expenses associated with administrative services provided to the joint venture.

Fair Value Notes Receivable (Po

Fair Value Notes Receivable (Policies)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure	The Company's other long-term assets balance also included notes receivable of $9.3 million and $7.6 million as of December 31, 2022 and 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. 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 December 31, 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 years ended December 31, 2022 and 2021.

Segment Reporting (Policies)

Segment Reporting (Policies)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Segment Reporting, Policy	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.

Net Loss per Share (Tables)

Net Loss per Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block]	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: As of December 31, 2022 2021 2020 Stock options 629,650 807,205 1,459,290 Restricted stock awards and restricted stock units 1,112,552 1,087,627 782,755

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2022
Business Combinations [Abstract]
Business Combination, Separately Recognized Transactions	The following table summarizes the preliminary estimated fair values of the assets acquired and liabilities assumed at the acquisition date (in thousands): November 16, 2022 Current assets, net of cash acquired $ 295 Property and equipment and other long-term assets 27 Amortizable intangible assets 5,121 Goodwill 9,541 Current liabilities and short-term loan (1,677) Deferred tax liability and other liabilities (1,056) Total consideration transferred, net of cash acquired $ 12,251

Property Plant and Equipment (T

Property Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	Property and equipment, net consisted of the following (in thousands): December 31, 2022 2021 Land and improvements $ 15,911 $ 15,911 Building and improvements 48,963 48,547 Software 55,932 37,984 Office equipment and other 6,814 6,258 Construction in progress 262 540 Property and equipment, at cost 127,882 109,240 Less: Accumulated depreciation (37,181) (31,290) Property and equipment, net $ 90,701 $ 77,950

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	The following table presents the detail of intangible assets other than goodwill for the periods presented (in thousands): Gross Carrying Value Accumulated Amortization Net Carrying Value Weighted Average Useful Life Remaining as of December 31, 2022 December 31, 2022: Licenses $ 4,773 $ — $ 4,773 N/A Leases 2,959 (2,866) 93 1.0 Trade name 1,228 (266) 962 7.8 Developed technologies 16,770 (5,164) 11,606 3.6 Customer relationships 7,980 (3,001) 4,979 3.1 Patents, trademarks, and other 2,768 (1,150) 1,618 4.3 Total Intangibles $ 36,478 $ (12,447) $ 24,031 3.9 December 31, 2021: Licenses $ 4,773 $ — $ 4,773 Leases 2,959 (2,539) 420 Trade name 1,373 (160) 1,213 Developed technologies 11,516 (2,721) 8,795 Customer relationships 7,589 (1,771) 5,818 Patents, trademarks, and other 2,373 (729) 1,644 Total Intangibles $ 30,583 $ (7,920) $ 22,663
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	As of December 31, 2022, expected amortization expense relating to purchased intangible assets for each of the next five years and thereafter is as follows (in thousands): Year ending December 31: 2023 $ 5,606 2024 5,175 2025 4,456 2026 1,459 2027 1,311 Thereafter 589 Total $ 18,596
Schedule of Goodwill	Goodwill and Intangible Assets Goodwill arises from business acquisitions in which the purchase price exceeds the fair value of tangible and intangible assets acquired less assumed liabilities. The following is a summary of goodwill by reportable segment for the year ended December 31, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Acquisitions 12,159 — 12,159 Effects of foreign currency (2,885) — (2,885) Balance as of December 31, 2022 $ 41,983 $ — $ 41,983

Investment Securities Available

Investment Securities Available-for-Sale (Tables)	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Unrealized Gain (Loss) on 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 December 31, 2022 and 2021 (in thousands): Amortized Gross Gross Fair As of December 31, 2022 Long-term investments: Available-for-Sale Investments Foreign deposits $ 7,683 $ — $ — $ 7,683 $ 7,683 $ — $ — $ 7,683 Held-to-Maturity Investments U.S. Treasury securities $ 158 $ — $ (4) $ 154 $ 158 $ — $ (4) $ 154 Short-term investments: Available-for-Sale Investments U.S. Treasury securities $ 42,833 $ — $ (186) $ 42,647 Mortgage-backed securities and collateralized mortgage obligations 8,015 — (97) 7,918 Other asset-backed securities 11,286 — (77) 11,209 Municipal bond 1,000 — (6) 994 Corporate bonds 37,793 — (262) 37,531 $ 100,927 $ — $ (628) $ 100,299 Held-to-Maturity Investments U.S. Treasury securities $ 12,059 $ — $ (58) $ 12,001 Certificates of deposit 3,254 — — 3,254 U.S. government funds 41,192 — — 41,192 $ 56,505 $ — $ (58) $ 56,447 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Available-for-Sale Investments Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: Held-to-Maturity 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	Maturities of debt securities classified as available-for-sale and held-to-maturity were as follows (in thousands): December 31, 2022 Amortized Fair Available-for-sale: Due under one year $ 10,137 $ 10,108 Due after one year through five years 98,473 97,875 $ 108,610 $ 107,983 Held-to-maturity: Due under one year $ 56,505 $ 56,447 Due after one year through five years 158 154 $ 56,663 $ 56,601

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Fair value, asset & liabilities measured on recurring basis [Table Text Block]	The following table summarizes, 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 December 31, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 1,633 $ 1,633 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 7,918 — 7,918 — Other asset-backed securities 11,209 — 11,209 — Corporate bonds 37,531 — 37,531 — Foreign deposits 7,683 7,683 — — Municipal bond 994 — 994 — U.S. Treasury securities 42,647 — 42,647 — Preferred stock in variable interest entity 4,115 — — 4,115 Total $ 113,730 $ 9,316 $ 100,299 $ 4,115 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 stock in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442

Claims Reserve (Tables)

Claims Reserve (Tables)	12 Months Ended
	Dec. 31, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
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): Year Ended December 31, Subscription 2022 2021 2020 Reserve at beginning of year $ 22,407 $ 19,925 $ 15,541 Veterinary invoices during the period related to: Current year 439,679 357,859 278,776 Prior years (2,799) (1,411) 229 Total veterinary invoice expense 436,880 356,448 279,005 Amounts paid during the period related to: Current year 414,778 333,182 259,971 Prior years 18,739 16,109 13,387 Total paid 433,517 349,291 273,358 Non-cash expenses 4,227 4,675 1,263 Reserve at end of period $ 21,543 $ 22,407 $ 19,925 The Company's reserve for the subscription business segment decreased $0.9 million from $22.4 million at December 31, 2021 to $21.5 million at December 31, 2022. This change was primarily comprised of $436.9 million in expense recorded during the period less $433.5 million in payments of veterinary invoices. This $436.9 million in veterinary invoice expense incurred included a reduction of $2.8 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. The Company's adjustments to prior year reserves were a reduction of $1.4 million and an increase of $0.2 million as a result of analysis of payment trends in the years ended December 31, 2021 and 2020, respectively. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Year Ended December 31, Other Business 2022 2021 2020 Reserve at beginning of year $ 17,264 $ 9,004 $ 5,653 Veterinary invoices during the period related to: Current year 211,729 129,826 72,286 Prior years 1,128 (212) (167) Total veterinary invoice expense 212,857 129,614 72,119 Amounts paid during the period related to: Current year 190,031 112,574 63,359 Prior years 17,899 8,780 5,409 Total paid 207,930 121,354 68,768 Non-cash expenses — — — Reserve at end of period $ 22,191 $ 17,264 $ 9,004 The Company’s reserve for the other business segment increased $4.9 million from $17.3 million at December 31, 2021 to $22.2 million at December 31, 2022. This change was comprised of $212.9 million in expense recorded during the period less $207.9 million in payments of veterinary invoices. This $212.9 million in veterinary invoice expense incurred included an increase of $1.1 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. The Company's adjustments to decrease prior year reserves were $0.2 million and $0.2 million as a result of analysis of payment trends in each of the years ended December 31, 2021 and 2020, respectively.
Short-duration Insurance Contracts, Claims Development [Table Text Block]	The following table summarizes the development of veterinary invoice expense, on a constant currency basis, for the Company's subscription business segment by year of occurrence (in thousands, except for cumulative number of veterinary invoices data): Cumulative veterinary invoice expenses Reserve Cumulative number of veterinary invoices As of December 31, As of December 31, Subscription 2019 2020 2021 2022 2022 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 231,064 $ 231,451 $ 231,271 $ 231,004 $ — 1,062,289 2020 $ 278,199 $ 277,297 $ 276,811 $ — 1,196,283 2021 $ 352,736 $ 350,462 $ 869 1,461,528 2022 $ 436,406 $ 20,674 1,647,508 $ 1,294,683 $ 21,543 The following table summarizes the development of veterinary invoice expense, on a constant currency basis, for the Company's other business segment by year of occurrence (in thousands, except for cumulative number of veterinary invoices data): Cumulative veterinary invoice expenses Reserve Cumulative number of veterinary invoices As of December 31, As of December 31, Other Business 2019 2020 2021 2022 2022 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 38,879 $ 38,604 $ 38,676 $ 38,725 $ — 283,095 2020 $ 72,284 $ 72,021 $ 72,251 $ — 535,071 2021 $ 129,809 $ 130,645 $ 493 901,453 2022 $ 211,720 $ 21,698 1,210,566 $ 453,341 $ 22,191
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Table Text Block]	The following table summarizes the amounts paid for veterinary invoices, inclusive of related internal processing costs and reported on a constant currency basis, for the subscription segment (in thousands): Year Ended December 31, Subscription 2019 2020 2021 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 217,546 $ 229,779 $ 230,609 $ 231,004 2020 $ 260,786 $ 275,564 $ 276,811 2021 $ 332,895 $ 349,593 2022 $ 415,732 $ 1,273,140 Total amounts unpaid and recorded as a liability $ 21,543 The following table summarizes the amounts paid for veterinary invoices, inclusive of related internal processing costs and reported on a constant currency basis, for the other business segment (in thousands): Year Ended December 31, Other Business 2019 2020 2021 2022 Year of Occurrence (unaudited) (unaudited) (unaudited) 2019 $ 33,252 $ 38,572 $ 38,676 $ 38,725 2020 $ 63,357 $ 72,009 $ 72,251 2021 $ 112,557 $ 130,152 2022 $ 190,022 $ 431,150 Total amounts unpaid and recorded as a liability $ 22,191

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Schedule of Maturities of Long-Term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of December 31, 2022 are as follows (in thousands): Year Ending December 31, December 31, 2022 2023 $ 1,103 2024 750 2025 750 2026 750 2027 71,513 Total $ 74,865

Stock-based Compensation (Table

Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs	Stock-based compensation expense recognized in each category of the consolidated statements of operations for the years ended December 31, 2022, 2021 and 2020 was as follows (in thousands): Year Ended December 31, 2022 2021 2020 Veterinary invoice expense $ 4,145 $ 4,538 $ 1,118 Other cost of revenue 2,339 2,610 468 Technology and development 4,742 3,056 758 General and administrative 12,831 8,862 3,795 New pet acquisition expense 9,336 9,160 2,773 Total expensed stock-based compensation 33,393 28,226 8,912 Capitalized stock-based compensation 1,633 676 235 Total stock-based compensation $ 35,026 $ 28,902 $ 9,147
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	Stock Options The grant date fair value of stock option awards are estimated on the date of grant using the Black-Scholes option-pricing model. The Company did not grant any new stock options during the years ended December 31, 2022, 2021, and 2020.
Schedule of Share-based Compensation, Stock Options, Activity	The following table presents information regarding stock options granted, exercised and forfeited for the periods presented: Number Weighted Average Aggregate Outstanding as of January 1, 2020 2,097,978 $ 9.86 $ 57,907 Granted — — — Exercised (626,554) 9.54 35,696 Forfeited (12,134) 17.41 — Outstanding as of December 31, 2020 1,459,290 9.93 160,200 Granted — — — Exercised (647,164) 5.59 58,200 Forfeited (4,921) 13.66 — Outstanding as of December 31, 2021 807,205 13.39 95,765 Granted — — — Exercised (174,721) 12.82 10,931 Forfeited (2,834) 18.87 — Outstanding as of December 31, 2022 629,650 13.53 21,410 Exercisable at December 31, 2022 629,650 $ 13.53 $ 21,410
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value [Table Text Block]	The fair value of options vested were as follows for the years ended December 31, 2022, 2021, and 2020. The Company didn't grant any stock options in these three years. Weighted Average Grant Date Fair Value per Share Fair Value of Options Vested Year: 2020 $ — $ 1,105 2021 $ — $ 313 2022 $ — $ —
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity	The below table summarizes the Company’s restricted stock award and restricted stock unit activity for the years ended December 31, 2022, 2021 and 2020: Number of Weighted Average Unvested shares as of January 1, 2020 581,943 $ 29.56 Granted 535,184 37.60 Vested (266,640) 29.77 Forfeited (67,732) 31.51 Unvested shares as of December 31, 2020 782,755 34.81 Granted 787,730 101.32 Vested (426,725) 40.10 Forfeited (56,133) 72.93 Unvested shares as of December 31, 2021 1,087,627 78.94 Granted 623,401 84.11 Vested (516,077) 72.81 Forfeited (82,399) 81.91 Unvested shares as of December 31, 2022 1,112,552 $ 84.46

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2022
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Accumulated Comprehensive Income (Loss) A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): For the year ended December 31, 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) (4,412) (4,966) (9,378) Balance as of December 31, 2022 $ (2,788) $ (3,513) $ (6,301) For the year ended December 31, 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) (496) 502 6 Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 For the year ended December 31, 2020 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2019 $ (375) $ 625 $ 250 Other comprehensive income (loss) 2,495 326 2,821 Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071

Segments (Tables)

Segments (Tables)	12 Months Ended
	Dec. 31, 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): Year Ended December 31, 2022 2021 2020 Subscription business: Revenue $ 596,610 $ 494,862 $ 387,732 Veterinary invoice expense 436,880 356,448 279,005 Other cost of revenue 60,804 51,216 35,870 Technology and development 16,555 11,942 7,673 General and administrative 25,964 22,579 16,866 New pet acquisition expense 88,959 78,148 47,017 Depreciation and amortization 7,205 8,494 5,451 Subscription business operating loss (39,757) (33,965) (4,150) Other business: Revenue 308,569 204,129 114,296 Veterinary invoice expense 212,857 129,614 72,119 Other cost of revenue 72,453 57,367 33,133 Technology and development 8,578 4,924 2,274 General and administrative 13,415 9,314 4,981 New pet acquisition expense 541 499 820 Depreciation and amortization 3,716 3,471 1,620 Other business operating income (loss) (2,991) (1,060) (651) Loss from investment in joint venture (253) (171) (126) Total operating loss $ (43,001) $ (35,196) $ (4,927)
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): Year Ended December 31, 2022 2021 2020 United States $ 764,349 $ 580,966 $ 419,162 Canada and other 140,830 118,025 82,866 Total revenue $ 905,179 $ 698,991 $ 502,028

Dividend Restrictions Statuto_2

Dividend Restrictions Statutory Surplus (Tables)	12 Months Ended
	Dec. 31, 2022
Insurance [Abstract]
Statutory Accounting Practices Disclosure [Table Text Block]	The statutory net income for 2022, 2021 and 2020 and statutory capital and surplus at December 31, 2022, 2021 and 2020, for the Company’s insurance subsidiary in New York were as follows (in thousands): As of December 31, 2022 2021 2020 Statutory net income $ 35,227 $ 24,409 $ 17,547 Statutory capital and surplus $ 162,232 $ 124,189 $ 93,171

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Schedule of Income before Income Tax, Domestic and Foreign	Loss before income taxes was as follows for the years ended December 31, 2022, 2021 and 2020 (in thousands): Year Ended December 31, 2022 2021 2020 United States $ (43,794) $ (34,052) $ (5,408) Foreign (402) (1,168) (319) $ (44,196) $ (35,220) $ (5,727)
Schedule of Components of Income Tax Expense (Benefit)	The components of income tax expense (benefit) were as follows (in thousands): Year Ended December 31, 2022 2021 2020 Current: U.S. federal & state $ 82 $ 58 $ 198 Foreign 814 2,066 45 896 2,124 243 Deferred: U.S. federal & state 11 (15) (9) Foreign (431) (1,799) (121) (420) (1,814) (130) Income tax expense (benefit) $ 476 $ 310 $ 113
Schedule of Effective Income Tax Rate Reconciliation	A reconciliation of income tax expense at the statutory federal income tax rate and income taxes as reflected in the financial statements is presented below: Year Ended December 31, 2022 2021 2020 Federal income taxes at statutory rate 21.0 % 21.0 % 21.0 % U.S. state income taxes 3.5 7.5 (2.6) Equity compensation 2.5 30.4 122.3 Change in valuation allowance (26.7) (58.4) (136.0) Other, net (1.7) (1.7) (4.1) Credits 0.3 0.3 (2.6) Effective income tax rate (1.1) % (0.9) % (2.0) %
Schedule of Deferred Tax Assets and Liabilities	The principal components of the Company’s deferred tax assets and liabilities were as follows (in thousands): As of December 31, 2022 2021 Deferred tax assets: Deferred revenue $ 8,610 $ 6,232 Accruals and reserves 1,860 2,294 Net operating loss carryforwards 63,772 52,796 Depreciation and amortization 1,421 833 Equity compensation 3,179 4,126 Credits 997 847 Other 1,661 381 Total deferred tax assets 81,500 67,509 Deferred tax liabilities: Deferred costs (1,322) (887) Intangible assets (3,603) (2,802) Other (2,398) (1,817) Total deferred tax liabilities (7,323) (5,506) Total deferred taxes 74,177 62,003 Less deferred tax asset valuation allowance (77,507) (64,791) Net deferred tax liability $ (3,330) $ (2,788)
Schedule of Unrecognized Tax Benefits Roll Forward	A reconciliation of the beginning and ending amount of gross unrecognized tax benefits is as follows (in thousands): Year Ended December 31, 2022 2021 2020 Balance, beginning of year $ 138 $ 133 $ 113 Increases (decreases) to tax positions related to prior periods 8 — 15 Increases to tax positions related to the current year 5 5 5 Balance, end of year $ 151 $ 138 $ 133

SEC Schedule, Article 12-04, Co

SEC Schedule, Article 12-04, Condensed Financial Information of Registrant (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Condensed Statement of Comprehensive Income	Trupanion, Inc. Condensed Statements of Operations and Comprehensive Loss (Parent Company Only, in thousands) Year Ended December 31, 2022 2021 2020 Expenses: Veterinary invoice expense $ 4,144 $ 4,538 $ 1,118 Other cost of revenue 2,340 2,610 468 Technology and development 4,930 3,130 1,087 General and administrative 16,346 11,714 7,055 New pet acquisition expense 9,351 9,177 2,799 Depreciation and amortization 289 473 328 Total expenses 37,400 31,642 12,855 Loss from investment in joint venture (192) (33) (108) Operating loss (37,592) (31,675) (12,963) Interest expense 4,255 (2) 1,361 Other income, net (8,047) (5,755) (4,845) Loss before equity in undistributed earnings of subsidiaries (33,800) (25,918) (9,479) Income tax benefit 14,544 12,272 8,460 Equity (loss) in undistributed earnings of subsidiaries (25,416) (21,884) (4,821) Net loss $ (44,672) $ (35,530) $ (5,840) Other comprehensive income (loss), net of taxes: Other comprehensive income (loss) of subsidiaries (9,378) 6 2,821 Other comprehensive income (loss) (9,378) 6 2,821 Comprehensive loss $ (54,050) $ (35,524) $ (3,019)
Condensed Balance Sheet	Trupanion, Inc. Condensed Balance Sheets ( Parent Company Only) (In thousands, except share data) December 31, 2022 2021 Assets Current assets: Cash and cash equivalents $ 16,052 $ 33,957 Accounts and other receivables 5,739 5,452 Prepaid expenses and other assets 697 591 Total current assets 22,488 40,000 Restricted cash 19,032 13,469 Property and equipment, net 2,398 904 Intangible assets, net 5,710 5,620 Other long-term assets 13,960 16,519 Advances to and investments in subsidiaries 312,559 257,198 Total assets $ 376,147 $ 333,710 Liabilities and stockholders’ equity Current liabilities: Accounts payable, accrued liabilities, and other current liabilities $ 484 $ 254 Long-term debt - current portion 750 — Total current liabilities 1,234 254 Long-term debt 68,354 — Deferred tax liabilities 1,100 1,094 Other liabilities 162 162 Total liabilities 70,850 1,510 Stockholders’ equity: Common stock: $0.00001 par value per share, 100,000,000 shares authorized; 42,041,344 and 41,013,158 shares issued and outstanding at December 31, 2022; 41,408,350 and 40,475,185 shares issued and outstanding at December 31, 2021 — — Preferred stock: $0.00001 par value per share, 10,000,000 shares authorized; no shares issued and outstanding — — Additional paid-in capital 499,694 466,792 Accumulated other comprehensive income (loss) (6,301) 3,077 Accumulated deficit (171,562) (126,890) Treasury stock, at cost: 1,028,186 and 933,165 shares at December 31, 2022 and 2021 (16,534) (10,779) Total stockholders’ equity 305,297 332,200 Total liabilities and stockholders’ equity $ 376,147 $ 333,710
Condensed Cash Flow Statement	Trupanion, Inc. Condensed Statements of Cash Flows (Parent Company Only, in thousands) Year Ended December 31, 2022 2021 2020 Operating activities Net loss $ (44,672) $ (35,530) $ (5,840) Adjustments to reconcile net loss to cash provided by (used in) operating activities: (Income) loss attributable to investments in subsidiaries 19,331 17,501 170 Depreciation and amortization 289 473 328 Stock-based compensation expense 33,393 28,226 8,912 Other, net 533 (161) 240 Changes in operating assets and liabilities (166) (1,219) (1,142) Net cash provided by operating activities 8,708 9,290 2,668 Investing activities Cash paid in business acquisition, net of cash acquired (15,034) — (48,133) Purchases of property and equipment (516) (280) (341) Advances to and investments in subsidiaries (71,671) (71,721) (24,885) Dividends from subsidiaries 6,942 5,567 4,651 Other investments (1,598) (1,755) — Net cash used in investing activities (81,877) (68,189) (68,708) Financing activities Issuance of common stock, net of offering costs — — 192,265 Repurchase of common stock (5,755) — — Proceeds from exercise of stock options 2,290 3,607 6,013 Taxes paid related to net share settlement of equity awards (4,359) (4,732) (1,115) Proceeds from debt financing, net of financing fees 69,138 — 6,213 Repayments of debt financing (487) — (32,450) Other financing — — (78) Net cash (used in) provided by financing activities 60,827 (1,125) 170,848 Net change in cash, cash equivalents, and restricted cash (12,342) (60,024) 104,808 Cash, cash equivalents, and restricted cash at beginning of period 47,426 107,450 2,642 Cash, cash equivalents, and restricted cash at end of period $ 35,084 $ 47,426 $ 107,450

Nature of Operations and Summ_3

Nature of Operations and Summary of Significant Accounting Policies Narrative (Details) $ in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2022 CAD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2022 CAD ($)
Accounting Policies [Abstract]
Accounts Receivable, Unaffiliated General Agents	$ 220,800		$ 159,400
Deferred Policy Acquisition Costs	6,000		4,300
Realized Investment Gains (Losses)	0		0	$ 0
Impairment, Amount, License Intangibles	0		0	0
Other expense (income), net	(3,072)		14	(581)
Interest Income, Other	3,000		300	600
Advertising Expense	25,500		23,600	13,400
Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax	2,800		(1,600)	(2,100)
Premiums Recognized from Fronting Agreement	135,900		112,000	$ 81,300
Deferred Revenue from Fronting Agreement	6,400		4,700
Cash Designated for Paying Reinsurance Claims	$ 7,200		$ 7,700
Reinsurance Trust Minimum Payment		$ 2
Reinsurance Trust Payment Unearned Premium Percentage	120%	120%
Reinsurance Payment of Percentage of Canadian Claims outstanding	20%	20%
Reinsurance Trust Balance					$ 10.4
Reinsurance, Reinsured Risk, Percentage	15%	15%	16%	16%

Nature of Operations and Summ_4

Nature of Operations and Summary of Significant Accounting Policies Deferred Acquisition Costs (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Selling and Marketing Expense [Member]
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters [Line Items]
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters, Amortization of Deferred Policy Acquisition Cost	$ 4.9	$ 4.7	$ 3.2
Cost of Sales [Member]
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters [Line Items]
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters, Amortization of Deferred Policy Acquisition Cost	$ 33.9	$ 30.5	$ 23.2

Nature of Operations and Summ_5

Nature of Operations and Summary of Significant Accounting Policies Property, Plant, and Equipment, Useful Life (Details)	12 Months Ended
	Dec. 31, 2022
Land Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Building [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	39 years
Software and Software Development Costs [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Software and Software Development Costs [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Office Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Office Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	5 years

Net Loss per Share (Details) Sc

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share - shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	629,650	807,205	1,459,290
Restricted stock awards and restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,112,552	1,087,627	782,755

Business Combinations, Narrativ

Business Combinations, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Nov. 16, 2022
Business Acquisition [Line Items]
Goodwill, Acquired During Period	$ 12,159,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities				$ (1,677,000)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Liabilities				(1,056,000)
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	3 years 10 months 24 days
Cash paid in business acquisition, net of cash acquired	$ 15,034,000	$ 0	$ 48,133,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets				295,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment				27,000
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles				$ 5,121,000
Smart Paws Acquisition
Business Acquisition [Line Items]
Finite-Lived Intangible Assets Acquired	1,100,000
Goodwill, Acquired During Period	$ 2,600,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years
Business Combination, Acquisition Related Costs	$ 100,000
Cash paid in business acquisition, net of cash acquired	2,800,000
Pet Expert Acquisition
Business Acquisition [Line Items]
Goodwill, Acquired During Period	$ 9,541,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years
Cash paid in business acquisition, net of cash acquired	$ 12,251,000
Line of Credit Facility, Fair Value of Amount Outstanding	400,000
Short-Term Debt, Maximum Amount Outstanding During Period	400,000
Business Acquisition, Transaction Costs	$ 200,000

Property Plant and Equipment (D

Property Plant and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Construction in Progress, Gross	$ 262	$ 540
Property, Plant and Equipment, Gross	127,882	109,240
Less: Accumulated depreciation	(37,181)	(31,290)
Property and equipment, net	90,701	77,950
Depreciation expense	6,100	7,100	$ 5,200
Land and Land Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	15,911	15,911
Building and Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	48,963	48,547
Software
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	55,932	37,984
Computer Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 6,814	$ 6,258

Intangible Assets (Details)

Intangible Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Indefinite-Lived License Agreements	$ 4,773,000	$ 4,773,000
Finite-Lived Intangible Asset, Acquired-in-Place Leases	2,959,000	2,959,000
Finite-Lived Trade Names, Gross	1,228,000	1,373,000
Finite-Lived Developed Technologies, Gross	16,770,000	11,516,000
Finite-Lived Customer Relationships, Gross	7,980,000	7,589,000
Finite-Lived Patents, Gross	2,768,000	2,373,000
Intangible Assets, Gross (Excluding Goodwill)	36,478,000	30,583,000
Finite-Lived Intangible Assets, Accumulated Amortization	(12,447,000)	(7,920,000)
Intangible assets, net	24,031,000	22,663,000
Goodwill	41,983,000	32,709,000
Goodwill, Acquired During Period	12,159,000
Goodwill, Foreign Currency Translation Gain (Loss)	$ (2,885,000)
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	3 years 10 months 24 days
Subscription business [Member]
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 41,983,000	32,709,000
Goodwill, Acquired During Period	12,159,000
Goodwill, Foreign Currency Translation Gain (Loss)	(2,885,000)
Other business
Finite-Lived Intangible Assets [Line Items]
Goodwill	0	0
Goodwill, Acquired During Period	0
Goodwill, Foreign Currency Translation Gain (Loss)	0
Leases, Acquired-in-Place [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	(2,866,000)	(2,539,000)
Intangible assets, net	$ 93,000	420,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	1 year
Trade Names [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (266,000)	(160,000)
Intangible assets, net	$ 962,000	1,213,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	7 years 9 months 18 days
Technology-Based Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (5,164,000)	(2,721,000)
Intangible assets, net	$ 11,606,000	8,795,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	3 years 7 months 6 days
Customer Relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (3,001,000)	(1,771,000)
Intangible assets, net	$ 4,979,000	5,818,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	3 years 1 month 6 days
Patents [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (1,150,000)	(729,000)
Intangible assets, net	$ 1,618,000	$ 1,644,000
Patents, trademarks, and other
Finite-Lived Intangible Assets [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	4 years 3 months 18 days

Intangible Assets, Narrative (D

Intangible Assets, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 41,983,000	$ 32,709,000
Goodwill, Foreign Currency Translation Gain (Loss)	(2,885,000)
Indefinite-Lived License Agreements	4,773,000	4,773,000
Amortization of Intangible Assets	$ 4,800,000	$ 4,900,000	$ 1,900,000

Intangible Assets, Expected Amo

Intangible Assets, Expected Amortization (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Finite-Lived Intangible Assets, Amortization Expense, Maturity Schedule [Abstract]
Operating Leases, Future Minimum Payments Receivable, Current	$ 5,606
Operating Leases, Future Minimum Payments Receivable, in Two Years	5,175
Operating Leases, Future Minimum Payments Receivable, in Three Years	4,456
Operating Leases, Future Minimum Payments Receivable, in Four Years	1,459
Operating Leases, Future Minimum Payments Receivable, in Five Years	1,311
Operating Leases, Future Minimum Payments Receivable, Thereafter	589
Operating Leases, Future Minimum Payments Receivable	$ 18,596

Investment Securities (Details)

Investment Securities (Details) Investment Schedule - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Other Long-Term Investments
Schedule of Investments [Line Items]
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	7,683,000	7,061,000
Debt Securities, Available-for-Sale, Amortized Cost	7,683,000	7,050,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	11,000
Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Amortized Cost	56,505,000	126,012,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	58,000	9,000
Debt Securities, Held-to-maturity, Fair Value	56,447,000	126,003,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Collateralized Mortgage-Backed Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(97,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	7,918,000
Debt Securities, Available-for-Sale, Amortized Cost	8,015,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Asset-Backed Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(77,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	11,209,000
Debt Securities, Available-for-Sale, Amortized Cost	11,286,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Corporate Bond Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(262,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	37,531,000
Debt Securities, Available-for-Sale, Amortized Cost	37,793,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
US Treasury and Government | Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	4,000
Debt Securities, Held-to-maturity, Fair Value	154,000
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss	158,000
US Treasury and Government | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(186,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	42,647,000
Debt Securities, Available-for-Sale, Amortized Cost	42,833,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Total Short-Term Available-for-Sale [Domain] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(628,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	100,299,000
Debt Securities, Available-for-Sale, Amortized Cost	100,927,000
Deposits [Member] | Other Long-Term Investments
Schedule of Investments [Line Items]
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	7,683,000	6,050,000
Debt Securities, Available-for-Sale, Amortized Cost	7,683,000	6,050,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	0
Municipal Bonds [Member] | Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax		0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value		1,011,000
Debt Securities, Available-for-Sale, Amortized Cost		1,000,000
Debt Securities, Available-for-Sale, Unrealized Gain		11,000
Municipal Bonds [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(6,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	994,000
Debt Securities, Available-for-Sale, Amortized Cost	1,000,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Total Long-Term Held-to-Maturity | Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Amortized Cost	158,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	4,000
Debt Securities, Held-to-maturity, Fair Value	154,000
US Treasury Securities [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	58,000	9,000
Debt Securities, Held-to-maturity, Fair Value	12,001,000	8,662,000
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss	12,059,000	8,671,000
Certificates of Deposit [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Amortized Cost	3,254,000	3,295,000
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	3,254,000	3,295,000
US Government Debt Securities [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Amortized Cost	41,192,000	114,046,000
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	$ 41,192,000	$ 114,046,000

Investment Securities (Detail_2

Investment Securities (Details) Available-for-Sale - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Available-for-sale securities, due after one year through five years, amortized cost basis	$ 98,473,000
Available-for-sale securities, due after one year through five years, fair value	97,875,000
Available-for-sale securities, amortized cost	108,610,000
Available-for-sale securities, fair value	107,983,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One	56,505,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	56,447,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five	158,000
Debt Securities, Available-for-Sale, Unrealized Loss Position	600,000	$ 0
Proceeds from Sale of Debt Securities, Available-for-Sale	43,000,000	$ 0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	10,137,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	10,108,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date	56,663,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	154,000
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value	$ 56,601,000

Other Investments (Details)

Other Investments (Details) $ in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2022 AUD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Other Investments [Abstract]
Purchase of Equity Interest				$ 7
Increase (Decrease) in Notes Receivables	$ 5.6
Line of Credit outstanding balance, Variable Interest Entity	6.3		$ 4.5
Services performed for Variable Interest Entity	$ 0.8		$ 0.9
Other Commitment		$ 2.2
Payments to Acquire Interest in Joint Venture		$ 1

Fair Value (Details) Unobservab

Fair Value (Details) Unobservable - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	$ 4,115	$ 8,442
Assets, Fair Value Disclosure	113,730	47,758
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	107,983
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	9,316	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	100,299	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	4,115	8,442
Assets, Fair Value Disclosure	4,115	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	1,633	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	1,633	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	7,683	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	7,683	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	994	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, without 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, without Single Maturity Date, Fair Value	994	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, without Single Maturity Date, Fair Value	0	$ 0
Collateralized Mortgage-Backed Securities
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	7,918
Collateralized Mortgage-Backed Securities | 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
Collateralized Mortgage-Backed Securities | 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	7,918
Collateralized Mortgage-Backed Securities | 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
Asset-Backed Securities
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	11,209
Asset-Backed Securities | 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
Asset-Backed Securities | 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	11,209
Asset-Backed Securities | 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
Total Corporate Bond Securities Member LT and ST [Domain]
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	37,531
Total Corporate Bond Securities Member LT and ST [Domain] | 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
Total Corporate Bond Securities Member LT and ST [Domain] | 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	37,531
Total Corporate Bond Securities Member LT and ST [Domain] | 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
Total US Treasury LT and ST Member [Domain]
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	42,647
Total US Treasury LT and ST Member [Domain] | 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
Total US Treasury LT and ST Member [Domain] | 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	42,647
Total US Treasury LT and ST Member [Domain] | 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

Fair Value Narrative (Details)

Fair Value Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 4,115	$ 8,442
Notes Receivable, Fair Value Disclosure	9,300	7,600
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	(4,966)	502	$ 325
Variable Interest Entity, Not Primary Beneficiary [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	4,300	$ 500
Variable Interest Entity, Not Primary Beneficiary [Member] | Change from Purchase Price
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	$ 2,900

Claims Reserve (Details)

Claims Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Claims reserve at beginning of year	$ 22,407	$ 19,925	$ 15,541
Current Year Claims and Claims Adjustment Expense	439,679	357,859	278,776
Prior Year Claims and Claims Adjustment Expense	(2,799)	(1,411)	229
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	436,880	356,448	279,005
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	414,778	333,182	259,971
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	18,739	16,109	13,387
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	433,517	349,291	273,358
Claims expense non-cash	4,227	4,675	1,263
Claims reserve at end of year	21,543	22,407	19,925
Change in Liability for Unpaid Claims and Claims Adjustment Expense, Net	(900)
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Claims reserve at beginning of year	17,264	9,004	5,653
Current Year Claims and Claims Adjustment Expense	211,729	129,826	72,286
Prior Year Claims and Claims Adjustment Expense	1,128	(212)	(167)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	212,857	129,614	72,119
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	190,031	112,574	63,359
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	17,899	8,780	5,409
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	207,930	121,354	68,768
Claims expense non-cash	0	0	0
Claims reserve at end of year	22,191	$ 17,264	$ 9,004
Change in Liability for Unpaid Claims and Claims Adjustment Expense, Net	$ 4,900

Claims Reserve Cumulative claim

Claims Reserve Cumulative claims paid and claims adjustment expenses (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
Subscription business [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 1,294,683
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	21,543
Subscription business [Member] | Short-duration Insurance Contracts, Accident Year 2018 [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	231,004	$ 231,271	$ 231,451	$ 231,064
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,062,289
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2019
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 276,811	277,297	278,199
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,196,283
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2020
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 350,462	352,736
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 869
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,461,528
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2021
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 436,406
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 20,674
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,647,508
Other Segments [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 453,341
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	22,191
Other Segments [Member] | Short-duration Insurance Contracts, Accident Year 2018 [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	38,725	38,676	38,604	$ 38,879
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	283,095
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2019
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 72,251	72,021	$ 72,284
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	535,071
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2020
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 130,645	$ 129,809
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 493
Short-duration Insurance Contract, Cumulative Number of Reported Claims	901,453
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2021
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 211,720
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 21,698
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,210,566

Claims Reserve Incurred claims

Claims Reserve Incurred claims and claim adjustment expense (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	$ 1,273,140
Liability for Unpaid Claims and Claims Adjustment Expense, Net	21,543	$ 22,407	$ 19,925	$ 15,541
Subscription business [Member] | Short-duration Insurance Contracts, Accident Year 2018 [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	231,004	230,609	229,779	217,546
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2019
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	276,811	275,564	260,786
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2020
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	349,593	332,895
Subscription business [Member] | Short-Duration Insurance Contract, Accident Year 2021
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	415,732
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	431,150
Liability for Unpaid Claims and Claims Adjustment Expense, Net	22,191	17,264	9,004	5,653
Other Segments [Member] | Short-duration Insurance Contracts, Accident Year 2018 [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	38,725	38,676	38,572	$ 33,252
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2019
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	72,251	72,009	$ 63,357
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2020
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	130,152	$ 112,557
Other Segments [Member] | Short-Duration Insurance Contract, Accident Year 2021
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net	$ 190,022

Debt (Details) - Narrative

Debt (Details) - Narrative - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Line of Credit Facility [Line Items]
Line of Credit Facility, Expiration Date	Mar. 25, 2027
Long-Term Debt	$ 68,354,000	$ 0
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of credit facility, maximum borrowing capacity	$ 150,000,000
Long-Term Debt	$ 68,354,000	$ 0
Debt Instrument, Interest Rate, Stated Percentage	9.70%
Debt Issuance Costs, Gross	$ 5,900,000
Line of Credit Facility, Periodic Payment, Principal Percentage	0.25%
Initial Loan
Line of Credit Facility [Line Items]
Long-Term Debt	$ 60,000,000
Long-Term Debt	60,000,000
Delayed Draw Term Loan
Line of Credit Facility [Line Items]
Long-Term Debt	15,000,000
Long-Term Debt	15,000,000
Unfunded Loan Commitment
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 75,000,000
Line of Credit, Date of Last Availability	Sep. 25, 2023
Line of Credit Facility, Expiration Date	Mar. 25, 2028
Revolving Credit Facility
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 15,000,000
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	Dec. 31, 2022 USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 1,103
Long-Term Debt, Maturity, Year Two	750
Long-Term Debt, Maturity, Year Three	750
Long-Term Debt, Maturity, Year Four	750
Long-Term Debt, Maturity, Year Five	71,513
Long-term Line of Credit	$ 74,865

Stock-based Compensation Expens

Stock-based Compensation Expense Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock-based Compensation
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	$ 1,633	$ 676	$ 235
Total stock-based compensation	35,026	28,902	9,147
Claims expenses
Stock-based Compensation
Total stock-based compensation	4,145	4,538	1,118
Other cost of revenue
Stock-based Compensation
Total stock-based compensation	2,339	2,610	468
Technology and development
Stock-based Compensation
Total stock-based compensation	4,742	3,056	758
General and administrative
Stock-based Compensation
Total stock-based compensation	12,831	8,862	3,795
Sales and marketing
Stock-based Compensation
Total stock-based compensation	9,336	9,160	2,773
Total Expense [Member]
Stock-based Compensation
Total stock-based compensation	$ 33,393	$ 28,226	$ 8,912

Stock-based Compensation (Detai

Stock-based Compensation (Details) Narrative $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options outstanding, weighted average remaining contractual term	3 years 4 months 24 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	3 years 4 months 24 days
Restricted stock awards and restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock, outstanding | shares	1,112,552
Compensation cost not yet recognized | $	$ 82.3
Weighted average remaining vesting period	2 years 7 months 6 days

Stock-based Compensation Option

Stock-based Compensation Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of Options
Beginning balance	807,205	1,459,290	2,097,978
Granted	0	0	0
Exercised	174,721	647,164	626,554
Forfeited	2,834	4,921	12,134
Ending Balance	629,650	807,205	1,459,290
Exercisable at December 31, 2022	629,650
Weighted Average Exercise Price per Share
Beginning Balance (usd per share)	$ 13.39	$ 9.93	$ 9.86
Granted (usd per share)	0	0	0
Exercised (usd per share)	12.82	5.59	9.54
Forfeited (usd per share)	18.87	13.66	17.41
Ending Balance (usd per share)	13.53	$ 13.39	$ 9.93
Vested and exercisable at December 31, 2014 (usd per share)	$ 13.53
Aggregate Intrinsic Value (in thousands)
Outstanding	$ 21,410	$ 95,765	$ 160,200	$ 57,907
Exercised	10,931	$ 58,200	$ 35,696
Exercisable at December 31, 2022	$ 21,410

Stock-based Compensation Opti_2

Stock-based Compensation Options Granted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-Based Payment Arrangement [Abstract]
WEIGHTED-AVERAGE GRANT DATE FAIR VALUE	$ 0	$ 0	$ 0
Fair Value of Options Vested (in thousands)	$ 0	$ 313	$ 1,105

Stock-based Compensation Restri

Stock-based Compensation Restricted Stock Awards (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Beginning balance	1,087,627	782,755	581,943
Granted	623,401	787,730	535,184
Vested	(516,077)	(426,725)	(266,640)
Forfeited	(82,399)	(56,133)	(67,732)
Ending balance	1,112,552	1,087,627	782,755
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Weighted Average Grant Date Fair Value [Roll Forward]
Beginning balance (usd per share)	$ 78.94	$ 34.81	$ 29.56
Restricted stock awards granted (usd per share)	84.11	101.32	37.60
Awards upon which restrictions lapsed (usd per share)	72.81	40.10	29.77
Restricted stock awards forfeited (usd per share)	81.91	72.93	31.51
Ending balance (usd per share)	$ 84.46	$ 78.94	$ 34.81

Stockholder's Equity Narrative

Stockholder's Equity Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Class of Stock Disclosures [Abstract]
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Outstanding	41,013,158	40,475,185
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Issuance of common stock, net of offering costs	$ 0	$ 0	$ 192,265
Treasury Stock, Shares, Acquired	95,021

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	$ 305,297	$ 332,200	$ 339,939	$ 136,760
Other comprehensive income (loss)	(9,378)	6	2,821
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	(4,966)	502	325
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(4,412)	(496)	2,496
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(2,788)	1,624	2,120	(375)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(4,412)	(496)	2,495
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(3,513)	1,453	951	625
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	(4,966)	502	326
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(6,301)	3,077	3,071	$ 250
Other comprehensive income (loss)	$ (9,378)	$ 6	$ 2,821

Segments (Details) Business Seg

Segments (Details) Business Segment - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting Information [Line Items]
Revenue	$ 905,179	$ 698,991	$ 502,028
Veterinary invoice expense	649,737	486,062	351,124
Other cost of revenue	133,257	108,583	69,003
Technology and development	25,133	16,866	9,947
General and administrative	39,379	31,893	21,847
New pet acquisition expense	89,500	78,647	47,837
Loss from investment in joint venture	(253)	(171)	(126)
Operating loss	(43,001)	(35,196)	(4,927)
Subscription business
Segment Reporting Information [Line Items]
Revenue	596,610	494,862	387,732
Veterinary invoice expense	436,880	356,448	279,005
Other cost of revenue	60,804	51,216	35,870
Technology and development	16,555	11,942	7,673
General and administrative	25,964	22,579	16,866
New pet acquisition expense	88,959	78,148	47,017
Depreciation and amortization	7,205	8,494	5,451
Operating loss	(39,757)	(33,965)	(4,150)
Other business
Segment Reporting Information [Line Items]
Revenue	308,569	204,129	114,296
Veterinary invoice expense	212,857	129,614	72,119
Other cost of revenue	72,453	57,367	33,133
Technology and development	8,578	4,924	2,274
General and administrative	13,415	9,314	4,981
New pet acquisition expense	541	499	820
Depreciation and amortization	3,716	3,471	1,620
Operating loss	$ (2,991)	$ (1,060)	$ (651)

Segments (Details) Revenue by G

Segments (Details) Revenue by Geography - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting Information [Line Items]
Revenues	$ 905,179	$ 698,991	$ 502,028
United States
Segment Reporting Information [Line Items]
Revenues	764,349	580,966	419,162
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 140,830	$ 118,025	$ 82,866

Dividend Restrictions Statuto_3

Dividend Restrictions Statutory Surplus (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statutory Accounting Practices [Line Items]
Deposit Assets	$ 13,000
American Pet Insurance Company (APIC) [Member]
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Net Income Amount	35,227	$ 24,409	$ 17,547
Statutory Accounting Practices, Statutory Capital and Surplus, Balance	162,232	124,189	93,171
Statutory Accounting Practices, Statutory Capital and Surplus Required	142,400
Wyndham Insurance Company (SAC) Limited [Member]
Statutory Accounting Practices [Line Items]
Dividends from subsidiaries	6,900	$ 5,600	$ 4,700
ZPIC Insurance Company (ZPIC) [Member]
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Capital and Surplus Required	8,000
QPIC Insurance Company (QPIC) [Member]
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Capital and Surplus Required	$ 7,800

Income Taxes Income before taxe

Income Taxes Income before taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
United States	$ (43,794)	$ (34,052)	$ (5,408)
Foreign	(402)	(1,168)	(319)
Loss before income taxes	$ (44,196)	$ (35,220)	$ (5,727)

Income Taxes Income tax benefit

Income Taxes Income tax benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
U.S. federal & state	$ 82	$ 58	$ 198
Foreign	814	2,066	45
Current income tax expense (benefit)	896	2,124	243
U.S. federal & state	11	(15)	(9)
Foreign	(431)	(1,799)	(121)
Deferred Income Tax Expense (Benefit)	(420)	(1,814)	(130)
Income tax (benefit) expense	$ 476	$ 310	$ 113

Income Taxes Tax Rate Reconcili

Income Taxes Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21%	21%	21%
Effective Income Tax Rate Reconciliation, Nondeductible Expense, US State Income Taxes, Percent	3.50%	7.50%	(2.60%)
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-based Compensation Cost, Percent	2.50%	30.40%	122.30%
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent	(26.70%)	(58.40%)	(136.00%)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(1.70%)	(1.70%)	(4.10%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	0.30%	0.30%	(2.60%)
Effective income tax rate	(1.10%)	(0.90%)	(2.00%)

Income Taxes Deferred tax asset

Income Taxes Deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Unearned Premiums Reserve	$ 8,610	$ 6,232
Accruals and reserves	1,860	2,294
Net operating loss carryforwards	63,772	52,796
Depreciation and amortization	1,421	833
Equity compensation	3,179	4,126
Credits	997	847
Other	1,661	381
Total deferred tax assets	81,500	67,509
Deferred tax liabilities:
Deferred costs	(1,322)	(887)
Intangible assets	(3,603)	(2,802)
Other	(2,398)	(1,817)
Total deferred tax liabilities	(7,323)	(5,506)
Deferred Tax Assets, Net	74,177	62,003
Less deferred tax asset valuation allowance	(77,507)	(64,791)
Net deferred tax liability	$ (3,330)	$ (2,788)

Income Taxes Narrative (Details

Income Taxes Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Income Tax Disclosure [Abstract]
Operating loss carryforwards	$ 63.8
Deferred Income Taxes and Tax Credits	1
Operating Loss Carryforwards, Limitations on Use, Value	0.5
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	$ 13
Operating Loss Carryforwards, Expiration Date	Dec. 31, 2026

Income Taxes Unrecognized Tax B

Income Taxes Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance, beginning of year	$ 138	$ 133	$ 113
Increases (decreases) to tax positions related to prior periods	8	0	15
Increases to tax positions related to the current year	5	5	5
Balance, end of year	$ 151	$ 138	$ 133

Retirement Plan Details (Detail

Retirement Plan Details (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Retirement Benefits [Abstract]
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 0	$ 0	$ 0

Related Party Disclosures (Deta

Related Party Disclosures (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Schedule of Equity Method Investments [Line Items]
Related Party Transaction, Selling, General and Administrative Expenses from Transactions with Related Party	$ 3,500,000	$ 2,700,000
Equity Method Investments	300,000
Related Party Transaction, Selling, General and Administrative Expenses from Transactions with Related Party	$ 3,500,000	$ 2,700,000
Limited Liability Entity
Schedule of Equity Method Investments [Line Items]
Equity Method Investment, Ownership Percentage	17.50%

Schedule 1-Parent Only Disclo_2

Schedule 1-Parent Only Disclosures Condensed Statements of Operations and Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Condensed Financial Statements, Captions [Line Items]
Technology and development	$ 25,133	$ 16,866	$ 9,947
General and administrative	39,379	31,893	21,847
New pet acquisition expense	89,500	78,647	47,837
Loss from investment in joint venture	(253)	(171)	(126)
Operating loss	(43,001)	(35,196)	(4,927)
Interest expense	4,267	10	1,381
Other expense (income), net	3,072	(14)	581
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	(54,050)	(35,524)	(3,019)
Parent Company
Condensed Financial Statements, Captions [Line Items]
Veterinary invoice expense	4,144	4,538	1,118
Other costs of revenue	2,340	2,610	468
Technology and development	4,930	3,130	1,087
General and administrative	16,346	11,714	7,055
New pet acquisition expense	9,351	9,177	2,799
Depreciation and amortization	289	473	328
Total expenses	37,400	31,642	12,855
Loss from investment in joint venture	(192)	(33)	(108)
Operating loss	(37,592)	(31,675)	(12,963)
Interest expense	4,255	(2)	1,361
Other expense (income), net	8,047	5,755	4,845
Loss before equity in undistributed earnings of subsidiaries	(33,800)	(25,918)	(9,479)
Income tax benefit	14,544	12,272	8,460
Equity (loss) in undistributed earnings of subsidiaries	(25,416)	(21,884)	(4,821)
Net loss	(44,672)	(35,530)	(5,840)
Other comprehensive income (loss) of subsidiaries	(9,378)	6	2,821
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	$ (54,050)	$ (35,524)	$ (3,019)

Schedule 1-Parent Only Disclo_3

Schedule 1-Parent Only Disclosures Condensed Balance Sheet (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets [Abstract]
Cash and cash equivalents	$ 65,605,000	$ 87,400,000
Accounts and other receivables	232,439,000	165,217,000
Prepaid expenses and other assets	14,248,000	12,325,000
Total current assets	469,096,000	390,954,000
Restricted cash	19,032,000	13,469,000
Property and equipment, net	90,701,000	77,950,000
Intangible assets, net	24,031,000	22,663,000
Other long-term assets	18,943,000	17,776,000
Total assets	671,627,000	562,582,000
Liabilities and Equity [Abstract]
Long-Term Debt, Current Maturities	1,103,000	0
Total current liabilities	289,616,000	223,696,000
Long-Term Debt	68,354,000	0
Deferred tax liabilities	3,392,000	2,827,000
Other liabilities	4,968,000	3,859,000
Total liabilities	366,330,000	230,382,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	499,694,000	466,792,000
Accumulated other comprehensive income (loss)	(6,301,000)	3,077,000
Accumulated deficit	(171,562,000)	(126,890,000)
Treasury stock, at cost	(16,534,000)	(10,779,000)
Total stockholders' equity	305,297,000	332,200,000	$ 339,939,000	$ 136,760,000
Total liabilities and stockholders’ equity	$ 671,627,000	$ 562,582,000
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Parent Company
Assets [Abstract]
Cash and cash equivalents	$ 16,052,000	$ 33,957,000
Accounts and other receivables	5,739,000	5,452,000
Prepaid expenses and other assets	697,000	591,000
Total current assets	22,488,000	40,000,000
Restricted cash	19,032,000	13,469,000
Property and equipment, net	2,398,000	904,000
Intangible assets, net	5,710,000	5,620,000
Other long-term assets	13,960,000	16,519,000
Advances to and investments in subsidiaries	312,559,000	257,198,000
Total assets	376,147,000	333,710,000
Liabilities and Equity [Abstract]
Accounts payable, accrued liabilities, and other current liabilities	484,000	254,000
Long-Term Debt, Current Maturities	750,000	0
Total current liabilities	1,234,000	254,000
Long-Term Debt	68,354,000	0
Deferred tax liabilities	1,100,000	1,094,000
Other liabilities	162,000	162,000
Total liabilities	70,850,000	1,510,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	499,694,000	466,792,000
Accumulated other comprehensive income (loss)	(6,301,000)	3,077,000
Accumulated deficit	(171,562,000)	(126,890,000)
Treasury stock, at cost	(16,534,000)	(10,779,000)
Total stockholders' equity	305,297,000	332,200,000
Total liabilities and stockholders’ equity	$ 376,147,000	$ 333,710,000
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Preferred Stock, Shares Outstanding	0	0
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001

Parent-Only Condensed Consolida

Parent-Only Condensed Consolidated Balance Sheet Parentheticals (Details) - $ / shares	Dec. 31, 2022	Dec. 31, 2021
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	42,041,344	41,408,350
Common Stock, Shares, Outstanding	41,013,158	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
Treasury Stock, Shares	1,028,186	933,165
Parent Company
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	42,041,344	41,408,350
Common Stock, Shares, Outstanding	41,013,158	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	1,028,186	933,165

Schedule 1-Parent Only Disclo_4

Schedule 1-Parent Only Disclosures Condensed Statements of Cash Flows (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Stock-based compensation expense	$ 33,393,000	$ 28,226,000	$ 8,912,000
Other, net	1,051,000	(1,927,000)	153,000
Net cash provided by (used in) operating activities	(8,000,000)	7,458,000	21,544,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Cash paid in business acquisitions, net of cash acquired	(15,034,000)	0	(48,133,000)
Purchases of property and equipment	(17,088,000)	(12,355,000)	(7,451,000)
Other	(1,598,000)	(1,755,000)	57,000
Net cash provided by (used in) investing activities	(67,516,000)	(51,913,000)	(76,747,000)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Payments for Repurchase of Common Stock	(5,755,000)
Proceeds from exercise of stock options	2,290,000	3,607,000	6,013,000
Shares withheld to satisfy tax withholding	(4,359,000)	(4,732,000)	(1,115,000)
Repayment of debt financing	(571,000)	0	(32,450,000)
Net cash provided by (used in) financing activities	60,743,000	(1,125,000)	170,848,000
Net change in cash, cash equivalents, and restricted cash	(16,232,000)	(45,328,000)	115,629,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	100,869,000	146,197,000	30,568,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	84,637,000	100,869,000	146,197,000
Parent Company
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net loss	(44,672,000)	(35,530,000)	(5,840,000)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
(Income) loss attributable to investments in subsidiaries	(19,331,000)	(17,501,000)	(170,000)
Depreciation and amortization	289,000	473,000	328,000
Stock-based compensation expense	33,393,000	28,226,000	8,912,000
Other, net	533,000	(161,000)	240,000
Changes in operating assets and liabilities	(166,000)	(1,219,000)	(1,142,000)
Net cash provided by (used in) operating activities	8,708,000	9,290,000	2,668,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Cash paid in business acquisitions, net of cash acquired	(15,034,000)	0	(48,133,000)
Purchases of property and equipment	(516,000)	(280,000)	(341,000)
Advances to and investments in subsidiaries	(71,671,000)	(71,721,000)	(24,885,000)
Other	(1,598,000)	(1,755,000)	0
Net cash provided by (used in) investing activities	(81,877,000)	(68,189,000)	(68,708,000)
Dividends from subsidiaries	6,942,000	5,567,000	4,651,000
Net Cash Provided by (Used in) Financing Activities [Abstract]
Issuance of common stock, net of offering costs	0	0	192,265,000
Payments for Repurchase of Common Stock	(5,755,000)	0	0
Proceeds from exercise of stock options	2,290,000	3,607,000	6,013,000
Shares withheld to satisfy tax withholding	(4,359,000)	(4,732,000)	(1,115,000)
Proceeds from debt financing, net of financing fees	69,138,000	0	6,213,000
Repayment of debt financing	(487,000)	0	(32,450,000)
Other financing	0	0	(78,000)
Net cash provided by (used in) financing activities	60,827,000	(1,125,000)	170,848,000
Net change in cash, cash equivalents, and restricted cash	(12,342,000)	(60,024,000)	104,808,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	47,426,000	107,450,000	2,642,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	$ 35,084,000	$ 47,426,000	$ 107,450,000