Trupanion (TRUP) 10-K 26 Feb 24 2023 FY Annual report Financial data

Cover Page Document

Cover Page Document - USD ($)	12 Months Ended
	Dec. 31, 2023	Feb. 19, 2024	Jun. 30, 2023
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
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 200
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			$ 622,812,960
Entity Common Stock, Shares Outstanding		41,814,768
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
Document Financial Statement Error Correction [Flag]	false

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2023
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, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Revenue	$ 1,108,605	$ 905,179	$ 698,991
Veterinary invoice expense	831,055	649,737	486,062
Other cost of revenue	146,534	133,257	108,583
Total cost of revenue	977,589	782,994	594,645
Technology and development	21,403	25,133	16,866
General and administrative	60,207	39,379	31,893
New pet acquisition expense	77,372	89,500	78,647
Depreciation and amortization	12,474	10,921	11,965
Total operating expenses	171,456	164,933	139,371
Gain (loss) from investment in joint venture	(219)	(253)	(171)
Operating loss	(40,659)	(43,001)	(35,196)
Interest expense	12,077	4,267	10
Other expense (income), net	(7,701)	(3,072)	14
Loss before income taxes	(45,035)	(44,196)	(35,220)
Income tax expense (benefit)	(342)	476	310
Net loss	$ (44,693)	$ (44,672)	$ (35,530)
Earnings Per Share, Basic	$ (1.08)	$ (1.10)	$ (0.89)
Earnings Per Share, Diluted	$ (1.08)	$ (1.10)	$ (0.89)
Weighted Average Number of Shares Outstanding, Basic	41,436,882	40,765,355	40,137,505
Weighted Average Number of Shares Outstanding, Diluted	41,436,882	40,765,355	40,137,505

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Net loss	$ (44,693)	$ (44,672)	$ (35,530)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,712	(4,412)	(496)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	3,992	(4,966)	502
Other Comprehensive Income (Loss), Net of Tax, Total	6,704	(9,378)	6
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	$ (37,989)	$ (54,050)	$ (35,524)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets [Abstract]
Cash and cash equivalents	$ 147,501,000	$ 65,605,000
Short-term investments	129,667,000	156,804,000
Accounts and other receivables	267,899,000	232,439,000
Prepaid expenses and other assets	17,022,000	14,248,000
Total current assets	562,089,000	469,096,000
Restricted cash	22,963,000	19,032,000
Long-term investments	12,866,000	7,841,000
Property, equipment, and internal-use software, net	103,650,000	90,701,000
Intangible assets, net	18,745,000	24,031,000
Other long-term assets	18,922,000	18,943,000
Goodwill	43,713,000	41,983,000
Total assets	782,948,000	671,627,000
Liabilities and Equity [Abstract]
Accounts payable	10,505,000	9,471,000
Accrued liabilities and other current liabilities	34,052,000	32,616,000
Reserve for veterinary invoices	63,238,000	43,734,000
Deferred revenue	235,329,000	202,692,000
Long-Term Debt, Current Maturities	1,350,000	1,103,000
Total current liabilities	344,474,000	289,616,000
Long-Term Debt	127,580,000	68,354,000
Deferred tax liabilities	2,685,000	3,392,000
Other liabilities	4,487,000	4,968,000
Total liabilities	479,226,000	366,330,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	536,108,000	499,694,000
Accumulated other comprehensive income (loss)	403,000	(6,301,000)
Accumulated deficit	(216,255,000)	(171,562,000)
Treasury stock, at cost	(16,534,000)	(16,534,000)
Total stockholders' equity	303,722,000	305,297,000
Total liabilities and stockholders’ equity	$ 782,948,000	$ 671,627,000
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

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Dec. 31, 2023	Dec. 31, 2022
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	42,887,052	42,041,344
Common Stock, Shares, Outstanding	41,858,866	41,013,158
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, Common, Shares	1,028,186	1,028,186
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 1,085,000	$ 540,000

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, Common [Member]
Beginning balance (in shares) at Dec. 31, 2020		39,450,807
Beginning 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 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
Other comprehensive income (loss)	6				6
Net loss	(35,530)			(35,530)
Ending balance (in shares) at Dec. 31, 2021		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]
Stock Issued During Period, Value, New Issues			(16,534)
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)	(95,021)
Treasury Stock, Value, Acquired, Cost Method	$ (5,755)					(5,755)
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
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)		845,708
Issuance of common stock in connection with the Company's equity award programs, net of tax withholdings	1,118		1,118
Stock-based compensation expense	$ 35,296		35,296
Repurchase of common stock (in shares)	0
Other comprehensive income (loss)	$ 6,704				6,704
Net loss	$ (44,693)			(44,693)
Ending balance (in shares) at Dec. 31, 2023	41,858,866	41,858,866
Ending balance at Dec. 31, 2023	$ 303,722	$ 0	$ 536,108	$ (216,255)	$ 403	$ (16,534)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net loss	$ (44,693,000)	$ (44,672,000)	$ (35,530,000)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation and amortization	12,474,000	10,921,000	11,965,000
Stock-based compensation expense	33,161,000	33,393,000	28,226,000
Other, net	1,347,000	1,051,000	(1,927,000)
Increase (Decrease) in Operating Assets [Abstract]
Accounts and other receivables	(35,440,000)	(66,982,000)	(66,170,000)
Prepaid expenses and other assets	(1,907,000)	(5,227,000)	(3,055,000)
Accounts payable, accrued liabilities, and other liabilities	1,644,000	3,136,000	8,796,000
Reserve for veterinary invoices	19,485,000	4,227,000	10,768,000
Deferred revenue	32,567,000	56,153,000	54,385,000
Net cash provided by (used in) operating activities	18,638,000	(8,000,000)	7,458,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Purchases of investment securities	(165,936,000)	(273,006,000)	(95,672,000)
Maturities and sales of investment securities	190,270,000	239,210,000	57,869,000
Cash paid in business acquisition, net of cash acquired	0	(15,034,000)	0
Purchases of property, equipment, and internal-use software	(18,280,000)	(17,088,000)	(12,355,000)
Other	1,585,000	(1,598,000)	(1,755,000)
Net cash provided by (used in) investing activities	7,639,000	(67,516,000)	(51,913,000)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Payments for Repurchase of Common Stock	0	(5,755,000)	0
Proceeds from exercise of stock options	2,655,000	2,290,000	3,607,000
Shares withheld to satisfy tax withholding	(1,536,000)	(4,359,000)	(4,732,000)
Proceeds from debt financing, net of financing fees	60,102,000	69,138,000	0
Repayment of debt financing	(1,717,000)	(571,000)	0
Other	(378,000)	0	0
Net cash provided by (used in) financing activities	59,126,000	60,743,000	(1,125,000)
Net change in cash, cash equivalents, and restricted cash	85,827,000	(16,232,000)	(45,328,000)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Continuing Operations	424,000	(1,459,000)	252,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	84,637,000	100,869,000	146,197,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	170,464,000	84,637,000	100,869,000
Supplemental Cash Flow Information [Abstract]
Income taxes paid (refund)	(611,000)	(2,498,000)	(282,000)
Interest paid	12,100,000	3,353,000	16,000
Purchases of property, equipment, and internal-use software included in accounts payable and accrued liabilities	$ 887,000	$ 1,324,000	$ 729,000

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	12 Months Ended
	Dec. 31, 2023
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 in the United States, Canada, Continental Europe, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics. Basis of 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 not held in trust for a third party 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, 2023, the Company was in compliance with all requirements. Accounts and Other Receivables Accounts and other receivables are comprised of trade receivables and other miscellaneous receivables and are carried at their estimated collectible amounts. Trade receivables are 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 $249.8 million and $220.8 million accounts receivable associated with underwriting these policies as of December 31, 2023 and 2022, respectively. During the year ended December 31, 2023, the Company incurred a non-recurring $3.8 million settlement of accounts receivable due to uncollected premiums in connection with the transition of underwriting a third-party business to other insurers. Deferred Acquisition Costs The Company incurs certain costs, including premium taxes, 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, 2023 and 2022 were $7.4 million and $6.0 million, respectively. Amortized deferred acquisition costs classified within new pet acquisition expense amounted to $6.0 million, $4.9 million, and $4.7 million and amortized deferred acquisition costs classified within other cost of revenue amounted to $45.6 million, $33.9 million, and $30.5 million, for the years ended December 31, 2023, 2022, and 2021, 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 income (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 were $0.3 million in realized gains and $0.9 million in realized losses on sales of fixed maturity securities during the year ended December 31, 2023, and no realized gains or losses on sales of fixed maturity securities during the years ended December 31, 2022 and 2021. Each reporting period, the Company evaluates whether declines in fair value of its investments below carrying value are the result of expected credit losses. This evaluation includes the Company's ability and intent to hold these investments until recovery of carrying value occurs, including an evaluation of all available information relevant to the collectability of the security, including past events, current conditions, and reasonable and supportable forecasts. Expected credit losses are recorded as an allowance through other expense (income), net on the Company's consolidated statements of operations. 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, Equipment, and Internal-Use Software Property, equipment, and internal-use software primarily consists of building, land and land improvements, office equipment, internal-use software related to the Company’s website, and internal support systems. Internal-use software is 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. The Company has recognized no impairment loss on goodwill and indefinite-lived intangible assets for the years ended December 31, 2023, 2022, and 2021. Asset Impairment Long-lived assets, including property, equipment, internal-use software, and finite-lived 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, including property, equipment, internal-use software, and finite-lived intangible assets for the years ended December 31, 2023, 2022, and 2021. 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 adjusts 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 for which revenue is recognized pro-rata over the twelve-month policy 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. For the year ended December 31, 2023, premiums from policies sourced by general agents accounted for 34% of our total revenue, and one general agent sourced members whose premiums accounted for over 10% of our total revenue. 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 and pay 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 and the estimated cost of processing these invoices. Veterinary invoice expense also includes amounts paid by unaffiliated general agents on our behalf, 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. Other Expense (Income), Net Other income, net, was $7.7 million, $3.1 million, and nil, including interest income of $9.0 million, $3.0 million, and $0.3 million offset by credit losses of $1.7 million, nil, and nil for the years ended December 31, 2023, 2022, and 2021, 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 $16.9 million, $25.5 million and $23.6 million, in the years ended December 31, 2023, 2022 and 2021, 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 $(0.1) million, $(2.8) million, and $1.6 million were recorded in accumulated other comprehensive loss (income) as of December 31, 2023, 2022, and 2021, respectively. Reclassifications Certain reclassifications have been made to prior-year amounts to conform to current-year reporting classifications. These reclassifications had no impact on net earnings, total assets, total liabilities, or total shareholders' equity. 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 2023, 2022, and 2021 was $167.6 million, $135.9 million and $112.0 million, respectively, and deferred revenue relating to this arrangement at December 31, 2023 and 2022 was $9.5 million and $6.4 million, respectively. Reinsurance revenue was 15%, 15%, and 16% of total revenue in 2023, 2022, and 2021, respectively. Cash designated for the purpose of paying claims related to this reinsurance agreement was $11.2 million and $7.2 million at December 31, 2023 and 2022, 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, 2023, the account balance was CAD $15.7 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

Net Loss per Share (Notes)

Net Loss per Share (Notes)	12 Months Ended
	Dec. 31, 2023
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, 2023 2022 2021 Stock options 408,970 629,650 807,205 Restricted stock awards and restricted stock units 714,382 1,112,552 1,087,627

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 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. This line of credit was due and paid in full in May 2023. 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, 2023
Property, Plant and Equipment [Abstract]
Property and Equipment, Net	Property, Equipment, and Internal-Use Software, Net Property, equipment, and internal-use software, net consisted of the following (in thousands): December 31, 2023 2022 Land and improvements $ 15,911 $ 15,911 Building and improvements 48,974 48,963 Software 40,097 34,779 Office equipment and other 6,129 6,814 Construction in progress 34,627 21,415 Property, equipment and internal-use software, at cost 145,738 127,882 Less: Accumulated depreciation (42,088) (37,181) Property and equipment, net $ 103,650 $ 90,701

Intangible Assets (Notes)

Intangible Assets (Notes)	12 Months Ended
	Dec. 31, 2023
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 years ended December 31, 2023 and 2022 (in thousands): Subscription Business Other Business Total Balance as of January 1, 2022 $ 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 Effects of foreign currency 1,730 — 1,730 Balance as of December 31, 2023 $ 43,713 $ — $ 43,713 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, 2023 December 31, 2023: Licenses $ 4,773 $ — $ 4,773 N/A Leases 848 (848) — — Trade name 1,294 (412) 882 6.8 Developed technologies 17,278 (9,023) 8,255 2.6 Customer relationships 8,379 (4,855) 3,524 2.1 Patents, trademarks, and other 2,459 (1,148) 1,311 5.0 Total Intangibles $ 35,031 $ (16,286) $ 18,745 2.8 December 31, 2022: Licenses $ 4,773 $ — $ 4,773 Leases 2,959 (2,866) 93 Trade name 1,228 (266) 962 Developed technologies 16,770 (5,164) 11,606 Customer relationships 7,980 (3,001) 4,979 Patents, trademarks, and other 2,768 (1,150) 1,618 Total Intangibles $ 36,478 $ (12,447) $ 24,031 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. Insurance licenses are renewed annually upon payment of various fees assessed by the issuing state. Renewal costs are expensed as incurred. Insurance licenses are 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 $5.7 million, $4.8 million, and $4.9 million for the years ended December 31, 2023, 2022, and 2021, respectively. As of December 31, 2023, 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: 2024 $ 5,345 2025 4,556 2026 1,482 2027 1,311 2028 164 Thereafter 443 Total $ 13,301

Investment Securities (Notes)

Investment Securities (Notes)	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investments	Investments Available-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, 2023 and 2022 (in thousands): Amortized Gross Gross Fair As of December 31, 2023 Long-term investments: Available-for-sale investments Foreign deposits $ 11,869 $ — $ — $ 11,869 $ 11,869 $ — $ — $ 11,869 Held-to-maturity investments U.S. treasury securities $ 997 $ 8 $ — $ 1,005 $ 997 $ 8 $ — $ 1,005 Short-term investments: Available-for-sale investments U.S. treasury securities $ 44,425 $ 326 $ (64) $ 44,687 Mortgage-backed securities and collateralized mortgage obligations 10,460 69 (75) 10,454 Other asset-backed securities 12,422 67 (53) 12,436 Corporate bonds 36,404 332 (123) 36,613 $ 103,711 $ 794 $ (315) $ 104,190 Held-to-maturity investments U.S. Treasury securities $ 13,179 $ 21 $ (15) $ 13,185 Certificates of deposit 12,298 — — 12,298 $ 25,477 $ 21 $ (15) $ 25,483 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 $ 17 $ (203) $ 42,647 Mortgage-backed securities and collateralized mortgage obligations 8,015 8 (105) 7,918 Other asset-backed securities 11,286 8 (85) 11,209 Municipal bond 1,000 — (6) 994 Corporate bonds 37,793 95 (357) 37,531 $ 100,927 $ 128 $ (756) $ 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 Maturities of investments classified as available-for-sale and held-to-maturity were as follows (in thousands): December 31, 2023 Amortized Fair Available-for-sale: Due under one year $ 2,420 $ 2,408 Due after one year through five years 90,278 90,761 $ 92,698 $ 93,169 Available-for-sale collateralized: Mortgage-backed securities and collateralized mortgage obligations $ 10,460 $ 10,454 Other asset-backed securities 12,422 12,436 $ 22,882 $ 22,890 Held-to-maturity: Due under one year $ 25,477 $ 25,483 Due after one year through five years 997 1,005 $ 26,474 $ 26,488 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 investments, the Company determined that there were unrealized losses of $0.3 million and $0.8 million for the years ended December 31, 2023 and 2022, respectively. As of December 31, 2023, $18.9 million in available-for-sale investments have been in a loss position for more than twelve months, with total unrealized losses of $0.2 million. As of December 31, 2023, $25.9 million available-for-sale investments have been in a loss position for less than twelve months, with total unrealized losses of $0.1 million. As of December 31, 2022, no available-for-sale investments had been in a loss position for more than twelve months. As of December 31, 2022, $76.3 million available-for-sale investments had been in a loss position for less than twelve months, with total unrealized losses of $0.8 million. These losses relate to interest rate changes. The Company does not expect any credit losses from its available-for-sale investments, 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 does not intend to, sell prior to a potential recovery.

Other Investments (Notes)

Other Investments (Notes)	12 Months Ended
	Dec. 31, 2023
Other Investments [Abstract]
Other Investments	7. Other Investments Preferred Stock Investment The Company has invested $7.0 million in the 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 entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common stock issued by the entity in August 2027 at an amount approximating its expected fair value. The preferred stock investment in the entity is redeemable, and therefore, 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 $7.0 million revolving line of credit to the variable interest entity to fund its inventory purchases, which will increase annually by $2.0 million until the note’s maturity in 2027. Borrowing amounts are subject to limitations based on Baystride’s forecasted revenues and inventory balances. 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 $4.0 million and $6.3 million as of December 31, 2023 and 2022, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.4 million and $0.8 million of these services for the years ended December 31, 2023 and 2022, respectively. Allowance for Credit Loss The Company regularly evaluates its investments for expected credit losses. The Company considers past events, current conditions, and reasonable and supportable forecasts in estimating an allowance for credit losses. Additionally, the Company considers the ultimate collection of cash flows from its investments and whether the Company has the intent to sell, or if it is more likely than not the Company would be required to sell the security prior to recovery of its amortized cost. Such evaluations are revised as conditions change and new information becomes available. Based on these considerations, the Company has established an allowance for credit losses related to its investment in the preferred stock of a variable interest entity. The following table presents a rollforward of the allowance for credit losses for this investment. Balance as of January 1, 2022 $ — (Addition to) allowance for credit losses — Balance as of December 31, 2022 — (Addition to) allowance for credit losses (1,674) Balance as of December 31, 2023 $ (1,674) 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, 2023, the Company has contributed $1.3 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.
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, 2023, the Company has contributed $1.3 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.
Accounts Receivable, Allowance for Credit Loss	The following table presents a rollforward of the allowance for credit losses for this investment. Balance as of January 1, 2022 $ — (Addition to) allowance for credit losses — Balance as of December 31, 2022 — (Addition to) allowance for credit losses (1,674) Balance as of December 31, 2023 $ (1,674)

Fair Value (Notes)

Fair Value (Notes)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value	Fair Value Fair Value Disclosures 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, 2023 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 67,360 $ 67,360 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 10,454 — 10,454 — Other asset-backed securities 12,436 — 12,436 — Corporate bonds 36,613 — 36,613 — Foreign deposits 11,869 11,869 — — U.S. Treasury securities 44,687 — 44,687 — Preferred stock investment 5,326 — — 5,326 Total $ 188,745 $ 79,229 $ 104,190 $ 5,326 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 investment 4,115 — — 4,115 Total $ 113,730 $ 9,316 $ 100,299 $ 4,115 The Company measures the fair value of money market funds and foreign deposits, classified as Level 1, based on quoted prices in active markets for identical assets. The Company's 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 the Company's 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 (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. The estimated fair value was $5.3 million and $4.1 million as of December 31, 2023 and 2022, respectively, and is recorded in other long-term assets on the Company's consolidated balance sheet. 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, 2023 and 2022. The following table presents the change in fair value of the Company’s investment carried at fair value and classified as Level 3 as of December 31, 2023 (in thousands): Preferred Stock Investment Balance as of January 1, 2021 $ 7,949 Unrealized gain included in other comprehensive income (loss) 493 Balance as of December 31, 2021 $ 8,442 Unrealized loss included in other comprehensive income (loss) (4,327) Balance as of December 31, 2022 $ 4,115 Reversal of cumulative unrealized loss included in other comprehensive income (loss) 2,885 Credit loss included in earnings (1,674) Balance as of December 31, 2023 $ 5,326 Fair Value Disclosures - Other Assets and Liabilities The Company's other long-term assets balance also included notes receivable of $6.8 million and $9.3 million as of December 31, 2023 and 2022, 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, 2023.

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Legal Proceedings From 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, 2023
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 haven't been processed or received but 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 2023 2022 2021 Reserve at beginning of year $ 21,543 $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 540,396 439,679 357,859 Prior years 2,800 (2,799) (1,411) Total veterinary invoice expense 543,196 436,880 356,448 Amounts paid during the period related to: Current year 506,294 414,778 333,182 Prior years 23,001 18,739 16,109 Total paid 529,295 433,517 349,291 Non-cash expenses 3,896 4,227 4,675 Reserve at end of period $ 31,548 $ 21,543 $ 22,407 The Company had unfavorable development on veterinary invoice reserves for the subscription business segment of $2.8 million for the year ended December 31, 2023, favorable development on veterinary invoice reserves of $2.8 million for the year ended December 31, 2022, and favorable development on veterinary invoice reserves of $1.4 million for the year ended December 31, 2021, all of which were the result of ongoing analysis of recent payment trends. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Year Ended December 31, Other Business 2023 2022 2021 Reserve at beginning of year $ 22,191 $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 287,361 211,729 129,826 Prior years 498 1,128 (212) Total veterinary invoice expense 287,859 212,857 129,614 Amounts paid during the period related to: Current year 256,616 190,031 112,574 Prior years 21,744 17,899 8,780 Total paid 278,360 207,930 121,354 Non-cash expenses — — — Reserve at end of period $ 31,690 $ 22,191 $ 17,264 The Company had unfavorable development on veterinary invoice reserves for the other business segment of $0.5 million for the year ended December 31, 2023, unfavorable development on veterinary invoice reserves of $1.1 million for the year ended December 31, 2022, and favorable development on veterinary invoice reserves of $0.2 million for the year ended December 31, 2021, all of which were the result of ongoing analysis of recent payment trends. Reserve for veterinary invoices, by year of occurrence In the following tables, the cumulative number of veterinary invoices represents the total number received as of December 31, 2023, 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 2020 through 2022 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, 2023. 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 2020 2021 2022 2023 2023 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 279,236 $ 278,325 $ 277,839 $ 278,342 $ — 1,205,693 2021 $ 354,083 $ 351,797 $ 352,320 $ — 1,482,674 2022 $ 438,148 $ 439,448 $ 1,342 1,775,110 2023 $ 542,362 $ 30,206 1,981,465 $ 1,612,472 $ 31,548 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 2020 2021 2022 2023 2023 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 72,289 $ 72,026 $ 72,255 $ 72,352 $ — 536,416 2021 $ 129,814 $ 130,650 $ 130,577 $ — 906,658 2022 $ 211,724 $ 212,163 $ 945 1,289,524 2023 $ 287,365 $ 30,745 1,414,664 $ 702,457 $ 31,690 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, 2023. Information for years 2020 through 2022 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 2020 2021 2022 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 261,780 $ 276,589 $ 277,839 $ 278,342 2021 $ 334,187 $ 350,925 $ 352,320 2022 $ 417,419 $ 438,106 2023 $ 512,156 $ 1,580,924 Total amounts unpaid and recorded as a liability $ 31,548 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 2020 2021 2022 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 63,362 $ 72,013 $ 72,255 $ 72,352 2021 $ 112,562 $ 130,157 $ 130,577 2022 $ 190,026 $ 211,218 2023 $ 256,620 $ 670,767 Total amounts unpaid and recorded as a liability $ 31,690

Debt (Notes)

Debt (Notes)	12 Months Ended
	Dec. 31, 2023
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, acting as the administrative agent, 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, February 17, 2023, and September 21, 2023, the Company borrowed Delayed Draw Term loans of $15.0 million, $35.0 million, and $25.0 million, respectively; 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, 2023 was approximately 10.5% for the original $60.0 million term loan and for the aggregate $75.0 million term loans. 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, 2023 , the Company was in compliance with all financial and other 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, 2023 are as follows (in thousands): Year Ending December 31, December 31, 2023 2024 $ 1,350 2025 1,350 2026 1,350 2027 72,113 2028 57,125 Thereafter — Total $ 133,288

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	12 Months Ended
	Dec. 31, 2023
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, 2023, 2022 and 2021 was as follows (in thousands): Year Ended December 31, 2023 2022 2021 Veterinary invoice expense $ 3,667 $ 4,145 $ 4,538 Other cost of revenue 1,612 2,339 2,610 Technology and development 2,846 4,742 3,056 General and administrative 17,717 12,831 8,862 New pet acquisition expense 7,319 9,336 9,160 Total expensed stock-based compensation 33,161 33,393 28,226 Capitalized stock-based compensation 2,135 1,633 676 Total stock-based compensation $ 35,296 $ 35,026 $ 28,902 As of December 31, 2023, the Company had 714,382 unvested restricted stock units. Stock-based compensation expense of $44.6 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.4 years. In March 2023, two executives terminated employment with the Company and one executive signed a separation agreement effective June 1, 2023. In conjunction with these departures, the Company accelerated the vesting of certain RSUs as of the termination date and extended the purchase date of certain vested options from 90 to 365 days. These award modifications resulted in the recognition of $4.8 million share-based compensation expense during the year ended December 31, 2023. 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, 2023, 2022, and 2021. 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, 2021 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 Granted — — — Exercised (213,848) 12.47 3,720 Forfeited (6,832) 12.80 — Outstanding as of December 31, 2023 408,970 14.09 6,715 Exercisable at December 31, 2023 408,970 $ 14.09 $ 6,715 As of December 31, 2023, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 2.5 years. The fair value of options vested were as follows for the years ended December 31, 2023, 2022, and 2021. The Company didn't grant any stock options in these three years. Fair Value of Options Vested Year: 2021 $ 313 2022 $ — 2023 $ — Restricted Stock Awards and Restricted Stock Units A summary of the Company’s restricted stock award and restricted stock unit activity for the years ended December 31, 2023, 2022 and 2021 is as follows: Number of Weighted Average Unvested shares as of January 1, 2021 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 Granted 366,870 26.77 Vested (669,413) 72.52 Forfeited (95,627) 79.60 Unvested shares as of December 31, 2023 714,382 $ 66.64

Stockholder's Equity (Notes)

Stockholder's Equity (Notes)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Stockholders' Equity	Stockholders ’ Equity Common Stock and Preferred Stock As of December 31, 2023, the Company had 100,000,000 shares of common stock authorized and 41,858,866 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, 2023, 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 no shares during the year ended December 31, 2023. The Company repurchased 95,021 shares under this program during the year ended December 31, 2022.

Segments (Notes)

Segments (Notes)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Segments	Segments The Company has two aggregated reporting segments: subscription business and other business. The subscription business segment consists of products that have been created to meet the needs of their distribution channels and have similar target margin profiles. This segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products. The other business segment generates revenue primarily by underwriting policies on behalf of third parties. The Company does not undertake marketing efforts for these policies and has a business-to-business relationship with these third-parties. The other business segment also includes other products and insurance software solutions that have a different margin profile from the Company’s subscription business segment. 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 generally 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, 2023 2022 2021 Subscription business: Revenue $ 712,906 $ 596,610 $ 494,862 Veterinary invoice expense 543,196 436,880 356,448 Other cost of revenue 70,490 60,804 51,216 Technology and development 13,765 16,555 11,942 General and administrative 36,256 25,964 22,579 New pet acquisition expense 77,172 88,959 78,148 Depreciation and amortization 8,021 7,205 8,494 Subscription business operating loss (35,994) (39,757) (33,965) Other business: Revenue 395,699 308,569 204,129 Veterinary invoice expense 287,859 212,857 129,614 Other cost of revenue 76,044 72,453 57,367 Technology and development 7,638 8,578 4,924 General and administrative 23,951 13,415 9,314 New pet acquisition expense 200 541 499 Depreciation and amortization 4,453 3,716 3,471 Other business operating loss (4,446) (2,991) (1,060) Gain (loss) from investment in joint venture (219) (253) (171) Total operating loss (40,659) (43,001) (35,196) Interest expense 12,077 4,267 10 Other expense (income), net (7,701) (3,072) 14 Loss before income taxes $ (45,035) $ (44,196) $ (35,220) The following table presents the Company’s revenue by geographic region of the member (in thousands): Year Ended December 31, 2023 2022 2021 United States $ 935,312 $ 764,349 $ 580,966 Canada and other 173,293 140,830 118,025 Total revenue $ 1,108,605 $ 905,179 $ 698,991 Substantially all of the Company’s long-lived assets were located in the United States as of December 31, 2023 and 2022.

Dividend Restrictions Statutory

Dividend Restrictions Statutory Surplus (Notes)	12 Months Ended
	Dec. 31, 2023
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 2022, the Company incorporated a new wholly-owned insurance subsidiary, GPIC Insurance Company (GPIC), domiciled in Canada. 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. 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 the 12-month period immediately preceding the declaration or distribution of the current dividend increased by the excess, if any, of net investment income over dividends declared or distributed during the period commencing thirty-six months prior to the declaration or distribution of the current dividend and ending twelve months prior thereto, and not including realized capital gains. APIC paid dividends of $7.6 million to the Company during the year ended December 31, 2023. None of the Company's U.S. insurance subsidiaries paid dividends to the Company during the years ended December 31, 2022 and 2021. 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 $7.3 million, $6.9 million, and $5.6 million during the years ended December 31, 2023, 2022 and 2021, respectfully. The statutory net income for 2023, 2022 and 2021 and statutory capital and surplus at December 31, 2023, 2022 and 2021, for APIC were as follows (in thousands): As of December 31, 2023 2022 2021 Statutory net income $ 40,076 $ 35,227 $ 24,409 Statutory capital and surplus $ 199,613 $ 162,232 $ 124,189 As of December 31, 2023, APIC maintained $199.6 million of statutory capital and surplus which was above the required amount of $137.6 million of statutory capital and surplus to avoid additional regulatory oversight. During the year ended December 31, 2023, the Company funded $3.8 million, $0.2 million, and CAD $8.5 million of statutory capital to APIC, ZPIC and GPIC, respectively. During the year ended December 31, 2022, the Company funded $8.0 million and $7.8 million of statutory capital to ZPIC and QPIC, respectively. ZPIC, QPIC and GPIC will each be required to maintain a level of surplus as determined by their respective domiciliary regulators. As of December 31, 2023, neither ZPIC, QPIC nor GPIC has begun underwriting any insurance policies. As of December 31, 2023, the Company had $14.6 million on deposit with various states in which it is licensed to write policies.

Retirement Plan (Notes)

Retirement Plan (Notes)	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Employee Benefits	Employee Benefits The 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. As of December 31, 2023, the Company has made no matching contributions to the 401(k) plan.

Related Party Disclosures (Note

Related Party Disclosures (Notes)	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Related Parties	Related Parties In 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 $2.2 million and $3.5 million of expenses for consulting services provided by the investee related to pet acquisition during the years ended December 31, 2023 and 2022, 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, 2023
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, 2023 2022 2021 Expenses: Veterinary invoice expense $ 253 $ 4,144 $ 4,538 Other cost of revenue 240 2,340 2,610 Technology and development 1,507 4,930 3,130 General and administrative 5,345 16,346 11,714 New pet acquisition expense 806 9,351 9,177 Depreciation and amortization 494 289 473 Total expenses 8,645 37,400 31,642 Loss from investment in joint venture (237) (192) (33) Operating loss (8,882) (37,592) (31,675) Interest expense 11,998 4,255 (2) Other income, net (14,442) (8,047) (5,755) Loss before equity in undistributed earnings of subsidiaries (6,438) (33,800) (25,918) Income tax benefit 15,766 14,544 12,272 Equity (loss) in undistributed earnings of subsidiaries (54,021) (25,416) (21,884) Net loss $ (44,693) $ (44,672) $ (35,530) Other comprehensive income (loss), net of taxes: Other comprehensive income (loss) of subsidiaries 6,704 (9,378) 6 Other comprehensive income (loss) 6,704 (9,378) 6 Comprehensive loss $ (37,989) $ (54,050) $ (35,524) Trupanion, Inc. Condensed Balance Sheets ( Parent Company Only) (In thousands, except share data) December 31, 2023 2022 Assets Current assets: Cash and cash equivalents $ 10,994 $ 16,052 Accounts and other receivables 1 5,739 Prepaid expenses and other assets 804 697 Total current assets 11,799 22,488 Restricted cash 22,963 19,032 Property and equipment, net 3,981 2,398 Intangible assets, net 5,808 5,710 Other long-term assets 12,540 13,960 Advances to and investments in subsidiaries 377,031 312,559 Total assets $ 434,122 $ 376,147 Liabilities and stockholders’ equity Current liabilities: Accounts payable, accrued liabilities, and other current liabilities $ 336 $ 484 Long-term debt - current portion 1,350 750 Total current liabilities 1,686 1,234 Long-term debt 127,580 68,354 Deferred tax liabilities 1,106 1,100 Other liabilities 28 162 Total liabilities 130,400 70,850 Stockholders’ equity: Common stock: $0.00001 par value per share, 100,000,000 shares authorized; 42,887,052 and 41,858,866 shares issued and outstanding at December 31, 2023; 42,041,344 and 41,013,158 shares issued and outstanding at December 31, 2022 — — Preferred stock: $0.00001 par value per share, 10,000,000 shares authorized; no shares issued and outstanding — — Additional paid-in capital 536,108 499,694 Accumulated other comprehensive income (loss) 403 (6,301) Accumulated deficit (216,255) (171,562) Treasury stock, at cost: 1,028,186 shares at December 31, 2023 and 2022 (16,534) (16,534) Total stockholders’ equity 303,722 305,297 Total liabilities and stockholders’ equity $ 434,122 $ 376,147 Trupanion, Inc. Condensed Statements of Cash Flows (Parent Company Only, in thousands) Year Ended December 31, 2023 2022 2021 Operating activities Net loss $ (44,693) $ (44,672) $ (35,530) Adjustments to reconcile net loss to cash provided by (used in) operating activities: Loss attributable to investments in subsidiaries 39,184 19,331 17,501 Dividends from subsidiaries 14,837 6,942 5,567 Depreciation and amortization 494 289 473 Stock-based compensation expense 4,575 33,393 28,226 Other, net 4,200 533 (161) Changes in operating assets and liabilities 6,194 (166) (1,219) Net cash provided by operating activities 24,791 15,650 14,857 Investing activities Cash paid in business acquisition, net of cash acquired — (15,034) — Purchases of property and equipment (172) (516) (280) Advances to and investments in subsidiaries (87,198) (71,671) (71,721) Other investments 1,586 (1,598) (1,755) Net cash used in investing activities (85,784) (88,819) (73,756) Financing activities Proceeds from debt financing, net of financing fees 59,972 69,138 — Repayments of debt financing (1,225) (487) — Repurchase of common stock — (5,755) — Proceeds from exercise of stock options 2,655 2,290 3,607 Taxes paid related to net share settlement of equity awards (1,536) (4,359) (4,732) Net cash (used in) provided by financing activities 59,866 60,827 (1,125) Net change in cash, cash equivalents, and restricted cash (1,127) (12,342) (60,024) Cash, cash equivalents, and restricted cash at beginning of period 35,084 47,426 107,450 Cash, cash equivalents, and restricted cash at end of period $ 33,957 $ 35,084 $ 47,426 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 subsidiaries of $14.9 million, $6.9 million and $5.6 million for the years ended December 31, 2023, 2022 and 2021, 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, 2023
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 in the United States, Canada, Continental Europe, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics. Basis of 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 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 not held in trust for a third party 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, 2023, the Company was in compliance with all requirements.
Trade and Other Accounts Receivable, Policy [Policy Text Block]	Accounts and Other Receivables Accounts and other receivables are comprised of trade receivables and other miscellaneous receivables and are carried at their estimated collectible amounts. Trade receivables are 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 $249.8 million and $220.8 million accounts receivable associated with underwriting these policies as of December 31, 2023 and 2022, respectively. During the year ended December 31, 2023, the Company incurred a non-recurring $3.8 million settlement of accounts receivable due to uncollected premiums in connection with the transition of underwriting a third-party business to other insurers.
Deferred Policy Acquisition Costs, Policy [Policy Text Block]	Deferred Acquisition Costs
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 income (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 were $0.3 million in realized gains and $0.9 million in realized losses on sales of fixed maturity securities during the year ended December 31, 2023, and no realized gains or losses on sales of fixed maturity securities during the years ended December 31, 2022 and 2021.
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, Equipment, and Internal-Use Software Property, equipment, and internal-use software primarily consists of building, land and land improvements, office equipment, internal-use software related to the Company’s website, and internal support systems. Internal-use software is 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. The Company has recognized no impairment loss on goodwill and indefinite-lived intangible assets for the years ended December 31, 2023, 2022, and 2021.
Impairment or Disposal of Long-Lived Assets, Including Intangible Assets, Policy [Policy Text Block]	Asset Impairment Long-lived assets, including property, equipment, internal-use software, and finite-lived 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, including property, equipment, internal-use software, and finite-lived intangible assets for the years ended December 31, 2023, 2022, and 2021.
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 adjusts the estimate for new information.
Deferred Revenue, Policy [Policy Text Block]	Deferred Revenue
Revenue Recognition, Policy [Policy Text Block]	Revenue Recognition The Company generates revenue primarily from subscription fees and through underwriting policies for unaffiliated general agents. For the year ended December 31, 2023, premiums from policies sourced by general agents accounted for 34% of our total revenue, and one general agent sourced members whose premiums accounted for over 10% of our total revenue. 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 and pay 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 and the estimated cost of processing these invoices. Veterinary invoice expense also includes amounts paid by unaffiliated general agents on our behalf, 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 Development
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 Expense (Income), Net
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 $16.9 million, $25.5 million and $23.6 million, in the years ended December 31, 2023, 2022 and 2021, 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 Translation
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 2023, 2022, and 2021 was $167.6 million, $135.9 million and $112.0 million, respectively, and deferred revenue relating to this arrangement at December 31, 2023 and 2022 was $9.5 million and $6.4 million, respectively. Reinsurance revenue was 15%, 15%, and 16% of total revenue in 2023, 2022, and 2021, respectively. Cash designated for the purpose of paying claims related to this reinsurance agreement was $11.2 million and $7.2 million at December 31, 2023 and 2022, 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, 2023, the account balance was CAD $15.7 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
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In November 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2023-07 related to improving segment disclosures. This ASU enhances disclosures about significant segment expenses, allows for multiple measures of a segment's profit or loss, and requires additional disclosures about the Chief Operating Decision Maker. The ASU is effective for annual periods beginning after December 15, 2023, including interim periods within that reporting period, with early adoption permitted. As of year-end, the Company is still evaluating the impact on its consolidated financial statements.

Other Investments details (Poli

Other Investments details (Policies)	12 Months Ended
	Dec. 31, 2023
Other Investments [Abstract]
Variable Interest Entity Disclosure [Text Block]	Investment The Company has invested $7.0 million in the 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 entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common stock issued by the entity in August 2027 at an amount approximating its expected fair value. The preferred stock investment in the entity is redeemable, and therefore, 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 $7.0 million revolving line of credit to the variable interest entity to fund its inventory purchases, which will increase annually by $2.0 million until the note’s maturity in 2027. Borrowing amounts are subject to limitations based on Baystride’s forecasted revenues and inventory balances. 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 $4.0 million and $6.3 million as of December 31, 2023 and 2022, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.4 million and $0.8 million of these services for the years ended December 31, 2023 and 2022, respectively.

Fair Value Notes Receivable (Po

Fair Value Notes Receivable (Policies)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure	The Company's other long-term assets balance also included notes receivable of $6.8 million and $9.3 million as of December 31, 2023 and 2022, 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, 2023.

Segment Reporting (Policies)

Segment Reporting (Policies)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Segment Reporting, Policy	The Company has two aggregated reporting segments: subscription business and other business. The subscription business segment consists of products that have been created to meet the needs of their distribution channels and have similar target margin profiles. This segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products. The other business segment generates revenue primarily by underwriting policies on behalf of third parties. The Company does not undertake marketing efforts for these policies and has a business-to-business relationship with these third-parties. The other business segment also includes other products and insurance software solutions that have a different margin profile from the Company’s subscription business segment. 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 generally 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.

Organization, Consolidation and

Organization, Consolidation and Presentation of Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedules of Concentration of Risk, by Risk Factor	For the year ended December 31, 2023, premiums from policies sourced by general agents accounted for 34% of our total revenue, and one general agent sourced members whose premiums accounted for over 10% of our total revenue.

Net Loss per Share (Tables)

Net Loss per Share (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 2022 2021 Stock options 408,970 629,650 807,205 Restricted stock awards and restricted stock units 714,382 1,112,552 1,087,627

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 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, 2023
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	Property, equipment, and internal-use software, net consisted of the following (in thousands): December 31, 2023 2022 Land and improvements $ 15,911 $ 15,911 Building and improvements 48,974 48,963 Software 40,097 34,779 Office equipment and other 6,129 6,814 Construction in progress 34,627 21,415 Property, equipment and internal-use software, at cost 145,738 127,882 Less: Accumulated depreciation (42,088) (37,181) Property and equipment, net $ 103,650 $ 90,701

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 December 31, 2023: Licenses $ 4,773 $ — $ 4,773 N/A Leases 848 (848) — — Trade name 1,294 (412) 882 6.8 Developed technologies 17,278 (9,023) 8,255 2.6 Customer relationships 8,379 (4,855) 3,524 2.1 Patents, trademarks, and other 2,459 (1,148) 1,311 5.0 Total Intangibles $ 35,031 $ (16,286) $ 18,745 2.8 December 31, 2022: Licenses $ 4,773 $ — $ 4,773 Leases 2,959 (2,866) 93 Trade name 1,228 (266) 962 Developed technologies 16,770 (5,164) 11,606 Customer relationships 7,980 (3,001) 4,979 Patents, trademarks, and other 2,768 (1,150) 1,618 Total Intangibles $ 36,478 $ (12,447) $ 24,031
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	As of December 31, 2023, 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: 2024 $ 5,345 2025 4,556 2026 1,482 2027 1,311 2028 164 Thereafter 443 Total $ 13,301
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 years ended December 31, 2023 and 2022 (in thousands): Subscription Business Other Business Total Balance as of January 1, 2022 $ 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 Effects of foreign currency 1,730 — 1,730 Balance as of December 31, 2023 $ 43,713 $ — $ 43,713

Investment Securities Debt and

Investment Securities Debt and Equity Securities (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 (in thousands): Amortized Gross Gross Fair As of December 31, 2023 Long-term investments: Available-for-sale investments Foreign deposits $ 11,869 $ — $ — $ 11,869 $ 11,869 $ — $ — $ 11,869 Held-to-maturity investments U.S. treasury securities $ 997 $ 8 $ — $ 1,005 $ 997 $ 8 $ — $ 1,005 Short-term investments: Available-for-sale investments U.S. treasury securities $ 44,425 $ 326 $ (64) $ 44,687 Mortgage-backed securities and collateralized mortgage obligations 10,460 69 (75) 10,454 Other asset-backed securities 12,422 67 (53) 12,436 Corporate bonds 36,404 332 (123) 36,613 $ 103,711 $ 794 $ (315) $ 104,190 Held-to-maturity investments U.S. Treasury securities $ 13,179 $ 21 $ (15) $ 13,185 Certificates of deposit 12,298 — — 12,298 $ 25,477 $ 21 $ (15) $ 25,483 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 $ 17 $ (203) $ 42,647 Mortgage-backed securities and collateralized mortgage obligations 8,015 8 (105) 7,918 Other asset-backed securities 11,286 8 (85) 11,209 Municipal bond 1,000 — (6) 994 Corporate bonds 37,793 95 (357) 37,531 $ 100,927 $ 128 $ (756) $ 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
Investments Classified by Contractual Maturity Date	Maturities of investments classified as available-for-sale and held-to-maturity were as follows (in thousands): December 31, 2023 Amortized Fair Available-for-sale: Due under one year $ 2,420 $ 2,408 Due after one year through five years 90,278 90,761 $ 92,698 $ 93,169 Available-for-sale collateralized: Mortgage-backed securities and collateralized mortgage obligations $ 10,460 $ 10,454 Other asset-backed securities 12,422 12,436 $ 22,882 $ 22,890 Held-to-maturity: Due under one year $ 25,477 $ 25,483 Due after one year through five years 997 1,005 $ 26,474 $ 26,488

Other Investments (Tables)

Other Investments (Tables)	12 Months Ended
	Dec. 31, 2023
Other Investments [Abstract]
Accounts Receivable, Allowance for Credit Loss	The following table presents a rollforward of the allowance for credit losses for this investment. Balance as of January 1, 2022 $ — (Addition to) allowance for credit losses — Balance as of December 31, 2022 — (Addition to) allowance for credit losses (1,674) Balance as of December 31, 2023 $ (1,674)

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 67,360 $ 67,360 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 10,454 — 10,454 — Other asset-backed securities 12,436 — 12,436 — Corporate bonds 36,613 — 36,613 — Foreign deposits 11,869 11,869 — — U.S. Treasury securities 44,687 — 44,687 — Preferred stock investment 5,326 — — 5,326 Total $ 188,745 $ 79,229 $ 104,190 $ 5,326 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 investment 4,115 — — 4,115 Total $ 113,730 $ 9,316 $ 100,299 $ 4,115
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation	The following table presents the change in fair value of the Company’s investment carried at fair value and classified as Level 3 as of December 31, 2023 (in thousands): Preferred Stock Investment Balance as of January 1, 2021 $ 7,949 Unrealized gain included in other comprehensive income (loss) 493 Balance as of December 31, 2021 $ 8,442 Unrealized loss included in other comprehensive income (loss) (4,327) Balance as of December 31, 2022 $ 4,115 Reversal of cumulative unrealized loss included in other comprehensive income (loss) 2,885 Credit loss included in earnings (1,674) Balance as of December 31, 2023 $ 5,326

Claims Reserve (Tables)

Claims Reserve (Tables)	12 Months Ended
	Dec. 31, 2023
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 2023 2022 2021 Reserve at beginning of year $ 21,543 $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 540,396 439,679 357,859 Prior years 2,800 (2,799) (1,411) Total veterinary invoice expense 543,196 436,880 356,448 Amounts paid during the period related to: Current year 506,294 414,778 333,182 Prior years 23,001 18,739 16,109 Total paid 529,295 433,517 349,291 Non-cash expenses 3,896 4,227 4,675 Reserve at end of period $ 31,548 $ 21,543 $ 22,407 The Company had unfavorable development on veterinary invoice reserves for the subscription business segment of $2.8 million for the year ended December 31, 2023, favorable development on veterinary invoice reserves of $2.8 million for the year ended December 31, 2022, and favorable development on veterinary invoice reserves of $1.4 million for the year ended December 31, 2021, all of which were the result of ongoing analysis of recent payment trends. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Year Ended December 31, Other Business 2023 2022 2021 Reserve at beginning of year $ 22,191 $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 287,361 211,729 129,826 Prior years 498 1,128 (212) Total veterinary invoice expense 287,859 212,857 129,614 Amounts paid during the period related to: Current year 256,616 190,031 112,574 Prior years 21,744 17,899 8,780 Total paid 278,360 207,930 121,354 Non-cash expenses — — — Reserve at end of period $ 31,690 $ 22,191 $ 17,264 The Company had unfavorable development on veterinary invoice reserves for the other business segment of $0.5 million for the year ended December 31, 2023, unfavorable development on veterinary invoice reserves of $1.1 million for the year ended December 31, 2022, and favorable development on veterinary invoice reserves of $0.2 million for the year ended December 31, 2021, all of which were the result of ongoing analysis of recent payment trends.
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 2020 2021 2022 2023 2023 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 279,236 $ 278,325 $ 277,839 $ 278,342 $ — 1,205,693 2021 $ 354,083 $ 351,797 $ 352,320 $ — 1,482,674 2022 $ 438,148 $ 439,448 $ 1,342 1,775,110 2023 $ 542,362 $ 30,206 1,981,465 $ 1,612,472 $ 31,548 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 2020 2021 2022 2023 2023 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 72,289 $ 72,026 $ 72,255 $ 72,352 $ — 536,416 2021 $ 129,814 $ 130,650 $ 130,577 $ — 906,658 2022 $ 211,724 $ 212,163 $ 945 1,289,524 2023 $ 287,365 $ 30,745 1,414,664 $ 702,457 $ 31,690
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 2020 2021 2022 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 261,780 $ 276,589 $ 277,839 $ 278,342 2021 $ 334,187 $ 350,925 $ 352,320 2022 $ 417,419 $ 438,106 2023 $ 512,156 $ 1,580,924 Total amounts unpaid and recorded as a liability $ 31,548 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 2020 2021 2022 2023 Year of Occurrence (unaudited) (unaudited) (unaudited) 2020 $ 63,362 $ 72,013 $ 72,255 $ 72,352 2021 $ 112,562 $ 130,157 $ 130,577 2022 $ 190,026 $ 211,218 2023 $ 256,620 $ 670,767 Total amounts unpaid and recorded as a liability $ 31,690

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Schedule of Maturities of Long-Term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of December 31, 2023 are as follows (in thousands): Year Ending December 31, December 31, 2023 2024 $ 1,350 2025 1,350 2026 1,350 2027 72,113 2028 57,125 Thereafter — Total $ 133,288

Stock-based Compensation (Table

Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023, 2022 and 2021 was as follows (in thousands): Year Ended December 31, 2023 2022 2021 Veterinary invoice expense $ 3,667 $ 4,145 $ 4,538 Other cost of revenue 1,612 2,339 2,610 Technology and development 2,846 4,742 3,056 General and administrative 17,717 12,831 8,862 New pet acquisition expense 7,319 9,336 9,160 Total expensed stock-based compensation 33,161 33,393 28,226 Capitalized stock-based compensation 2,135 1,633 676 Total stock-based compensation $ 35,296 $ 35,026 $ 28,902 As of December 31, 2023, the Company had 714,382 unvested restricted stock units. Stock-based compensation expense of $44.6 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.4 years. In March 2023, two executives terminated employment with the Company and one executive signed a separation agreement effective June 1, 2023. In conjunction with these departures, the Company accelerated the vesting of certain RSUs as of the termination date and extended the purchase date of certain vested options from 90 to 365 days. These award modifications resulted in the recognition of $4.8 million share-based compensation expense during the year ended December 31, 2023.
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, 2023, 2022, and 2021.
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, 2021 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 Granted — — — Exercised (213,848) 12.47 3,720 Forfeited (6,832) 12.80 — Outstanding as of December 31, 2023 408,970 14.09 6,715 Exercisable at December 31, 2023 408,970 $ 14.09 $ 6,715
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, 2023, 2022, and 2021. The Company didn't grant any stock options in these three years. Fair Value of Options Vested Year: 2021 $ 313 2022 $ — 2023 $ —
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity	A summary of the Company’s restricted stock award and restricted stock unit activity for the years ended December 31, 2023, 2022 and 2021 is as follows: Number of Weighted Average Unvested shares as of January 1, 2021 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 Granted 366,870 26.77 Vested (669,413) 72.52 Forfeited (95,627) 79.60 Unvested shares as of December 31, 2023 714,382 $ 66.64

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2023
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): Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of January 1, 2021 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) (496) 502 6 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) Other comprehensive income (loss) 2,712 3,992 6,704 Balance as of December 31, 2023 $ (76) $ 479 $ 403

Segments (Tables)

Segments (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Revenue and Gross Profit from Segments [Table Text Block]	perating income (loss) of the Company’s segments were as follows (in thousands): Year Ended December 31, 2023 2022 2021 Subscription business: Revenue $ 712,906 $ 596,610 $ 494,862 Veterinary invoice expense 543,196 436,880 356,448 Other cost of revenue 70,490 60,804 51,216 Technology and development 13,765 16,555 11,942 General and administrative 36,256 25,964 22,579 New pet acquisition expense 77,172 88,959 78,148 Depreciation and amortization 8,021 7,205 8,494 Subscription business operating loss (35,994) (39,757) (33,965) Other business: Revenue 395,699 308,569 204,129 Veterinary invoice expense 287,859 212,857 129,614 Other cost of revenue 76,044 72,453 57,367 Technology and development 7,638 8,578 4,924 General and administrative 23,951 13,415 9,314 New pet acquisition expense 200 541 499 Depreciation and amortization 4,453 3,716 3,471 Other business operating loss (4,446) (2,991) (1,060) Gain (loss) from investment in joint venture (219) (253) (171) Total operating loss (40,659) (43,001) (35,196) Interest expense 12,077 4,267 10 Other expense (income), net (7,701) (3,072) 14 Loss before income taxes $ (45,035) $ (44,196) $ (35,220)
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, 2023 2022 2021 United States $ 935,312 $ 764,349 $ 580,966 Canada and other 173,293 140,830 118,025 Total revenue $ 1,108,605 $ 905,179 $ 698,991

Dividend Restrictions Statuto_2

Dividend Restrictions Statutory Surplus (Tables)	12 Months Ended
	Dec. 31, 2023
Insurance [Abstract]
Statutory Accounting Practices Disclosure [Table Text Block]	The statutory net income for 2023, 2022 and 2021 and statutory capital and surplus at December 31, 2023, 2022 and 2021, for APIC were as follows (in thousands): As of December 31, 2023 2022 2021 Statutory net income $ 40,076 $ 35,227 $ 24,409 Statutory capital and surplus $ 199,613 $ 162,232 $ 124,189

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023, 2022 and 2021 (in thousands): Year Ended December 31, 2023 2022 2021 United States $ (41,019) $ (43,794) $ (34,052) Foreign (4,016) (402) (1,168) $ (45,035) $ (44,196) $ (35,220)
Schedule of Components of Income Tax Expense (Benefit)	The components of income tax expense (benefit) were as follows (in thousands): Year Ended December 31, 2023 2022 2021 Current: U.S. federal & state $ (8) $ 82 $ 58 Foreign 464 814 2,066 456 896 2,124 Deferred: U.S. federal & state 7 11 (15) Foreign (805) (431) (1,799) (798) (420) (1,814) Income tax expense (benefit) $ (342) $ 476 $ 310
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, 2023 2022 2021 Federal income taxes at statutory rate 21.0 % 21.0 % 21.0 % U.S. state income taxes 7.9 3.5 7.5 Equity compensation (9.2) 2.5 30.4 Change in valuation allowance (19.1) (26.7) (58.4) Other, net (0.1) (1.7) (1.7) Credits 0.3 0.3 0.3 Effective income tax rate 0.8 % (1.1) % (0.9) %
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, 2023 2022 Deferred tax assets: Deferred revenue $ 10,017 $ 8,610 Accruals and reserves 2,190 1,860 Net operating loss carryforwards 71,231 63,772 Depreciation and amortization 2,310 1,421 Equity compensation 1,875 3,179 Credits 1,147 997 Other 1,995 1,661 Total deferred tax assets 90,765 81,500 Deferred tax liabilities: Deferred costs (1,549) (1,322) Intangible assets (3,103) (3,603) Other (3,471) (2,398) Total deferred tax liabilities (8,123) (7,323) Total deferred taxes 82,642 74,177 Less deferred tax asset valuation allowance (85,245) (77,507) Net deferred tax liability $ (2,603) $ (3,330)
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, 2023 2022 2021 Balance, beginning of year $ 151 $ 138 $ 133 Increases (decreases) to tax positions related to prior periods (72) 8 — Increases to tax positions related to the current year 1 5 5 Balance, end of year $ 80 $ 151 $ 138

SEC Schedule, Article 12-04, Co

SEC Schedule, Article 12-04, Condensed Financial Information of Registrant (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 2022 2021 Expenses: Veterinary invoice expense $ 253 $ 4,144 $ 4,538 Other cost of revenue 240 2,340 2,610 Technology and development 1,507 4,930 3,130 General and administrative 5,345 16,346 11,714 New pet acquisition expense 806 9,351 9,177 Depreciation and amortization 494 289 473 Total expenses 8,645 37,400 31,642 Loss from investment in joint venture (237) (192) (33) Operating loss (8,882) (37,592) (31,675) Interest expense 11,998 4,255 (2) Other income, net (14,442) (8,047) (5,755) Loss before equity in undistributed earnings of subsidiaries (6,438) (33,800) (25,918) Income tax benefit 15,766 14,544 12,272 Equity (loss) in undistributed earnings of subsidiaries (54,021) (25,416) (21,884) Net loss $ (44,693) $ (44,672) $ (35,530) Other comprehensive income (loss), net of taxes: Other comprehensive income (loss) of subsidiaries 6,704 (9,378) 6 Other comprehensive income (loss) 6,704 (9,378) 6 Comprehensive loss $ (37,989) $ (54,050) $ (35,524)
Condensed Balance Sheet	Trupanion, Inc. Condensed Balance Sheets ( Parent Company Only) (In thousands, except share data) December 31, 2023 2022 Assets Current assets: Cash and cash equivalents $ 10,994 $ 16,052 Accounts and other receivables 1 5,739 Prepaid expenses and other assets 804 697 Total current assets 11,799 22,488 Restricted cash 22,963 19,032 Property and equipment, net 3,981 2,398 Intangible assets, net 5,808 5,710 Other long-term assets 12,540 13,960 Advances to and investments in subsidiaries 377,031 312,559 Total assets $ 434,122 $ 376,147 Liabilities and stockholders’ equity Current liabilities: Accounts payable, accrued liabilities, and other current liabilities $ 336 $ 484 Long-term debt - current portion 1,350 750 Total current liabilities 1,686 1,234 Long-term debt 127,580 68,354 Deferred tax liabilities 1,106 1,100 Other liabilities 28 162 Total liabilities 130,400 70,850 Stockholders’ equity: Common stock: $0.00001 par value per share, 100,000,000 shares authorized; 42,887,052 and 41,858,866 shares issued and outstanding at December 31, 2023; 42,041,344 and 41,013,158 shares issued and outstanding at December 31, 2022 — — Preferred stock: $0.00001 par value per share, 10,000,000 shares authorized; no shares issued and outstanding — — Additional paid-in capital 536,108 499,694 Accumulated other comprehensive income (loss) 403 (6,301) Accumulated deficit (216,255) (171,562) Treasury stock, at cost: 1,028,186 shares at December 31, 2023 and 2022 (16,534) (16,534) Total stockholders’ equity 303,722 305,297 Total liabilities and stockholders’ equity $ 434,122 $ 376,147
Condensed Cash Flow Statement	Trupanion, Inc. Condensed Statements of Cash Flows (Parent Company Only, in thousands) Year Ended December 31, 2023 2022 2021 Operating activities Net loss $ (44,693) $ (44,672) $ (35,530) Adjustments to reconcile net loss to cash provided by (used in) operating activities: Loss attributable to investments in subsidiaries 39,184 19,331 17,501 Dividends from subsidiaries 14,837 6,942 5,567 Depreciation and amortization 494 289 473 Stock-based compensation expense 4,575 33,393 28,226 Other, net 4,200 533 (161) Changes in operating assets and liabilities 6,194 (166) (1,219) Net cash provided by operating activities 24,791 15,650 14,857 Investing activities Cash paid in business acquisition, net of cash acquired — (15,034) — Purchases of property and equipment (172) (516) (280) Advances to and investments in subsidiaries (87,198) (71,671) (71,721) Other investments 1,586 (1,598) (1,755) Net cash used in investing activities (85,784) (88,819) (73,756) Financing activities Proceeds from debt financing, net of financing fees 59,972 69,138 — Repayments of debt financing (1,225) (487) — Repurchase of common stock — (5,755) — Proceeds from exercise of stock options 2,655 2,290 3,607 Taxes paid related to net share settlement of equity awards (1,536) (4,359) (4,732) Net cash (used in) provided by financing activities 59,866 60,827 (1,125) Net change in cash, cash equivalents, and restricted cash (1,127) (12,342) (60,024) Cash, cash equivalents, and restricted cash at beginning of period 35,084 47,426 107,450 Cash, cash equivalents, and restricted cash at end of period $ 33,957 $ 35,084 $ 47,426

Nature of Operations and Summ_3

Nature of Operations and Summary of Significant Accounting Policies Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2023 CAD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2023 CAD ($)
Accounting Policies [Abstract]
Accounts Receivable, Unaffiliated General Agents	$ 249,800,000		$ 220,800,000
Deferred Policy Acquisition Costs	7,400,000		6,000,000
Realized Investment Gains (Losses)			0	$ 0
Impairment, Amount, License Intangibles	0		0	0
Interest Income, Other	9,000,000		3,000,000	300,000
Advertising Expense	16,900,000		25,500,000	23,600,000
Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax	(100,000)		(2,800,000)	1,600,000
Premiums Recognized from Fronting Agreement	167,600,000		135,900,000	$ 112,000,000
Deferred Revenue from Fronting Agreement	9,500,000		6,400,000
Cash Designated for Paying Reinsurance Claims	$ 11,200,000		$ 7,200,000
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					$ 15.7
Reinsurance, Reinsured Risk, Percentage	15%	15%	15%	16%
Accounts Receivable, Allowance for Credit Loss, Writeoff	$ 3,800,000
Debt Securities, Available-for-Sale, Realized Gain	300,000
Debt Securities, Available-for-Sale, Realized Loss	900,000
Goodwill and Intangible Asset Impairment	0
Accounts Receivable, Allowance for Credit Loss	$ 1,700,000		$ 0	$ 0
Revenue Benchmark [Member] | Product Concentration Risk [Member] | General Agents [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	34%	34%

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, 2023	Dec. 31, 2022	Dec. 31, 2021
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	$ 6	$ 4.9	$ 4.7
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	$ 45.6	$ 33.9	$ 30.5

Nature of Operations and Summ_5

Nature of Operations and Summary of Significant Accounting Policies Property, Plant, and Equipment, Useful Life (Details)	Dec. 31, 2023
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, 2023	Dec. 31, 2022	Dec. 31, 2021
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	408,970	629,650	807,205
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	714,382	1,112,552	1,087,627

Business Combinations, Narrativ

Business Combinations, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	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)
Cash paid in business acquisition, net of cash acquired	$ 0	15,034,000	$ 0
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
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	2 years 9 months 18 days
Smart Paws Acquisition
Business Acquisition [Line Items]
Finite-Lived Intangible Assets Acquired		1,100,000
Goodwill, Acquired During Period		2,600,000
Business Combination, Acquisition Related Costs		100,000
Cash paid in business acquisition, net of cash acquired		$ 2,800,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		5 years
Pet Expert Acquisition
Business Acquisition [Line Items]
Goodwill, Acquired During Period		$ 9,541,000
Cash paid in business acquisition, net of cash acquired		12,251,000
Business Acquisition, Transaction Costs		$ 200,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life		5 years

Property Plant and Equipment (D

Property Plant and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Construction in Progress, Gross	$ 34,627	$ 21,415
Property, Plant and Equipment, Gross	145,738	127,882
Less: Accumulated depreciation	(42,088)	(37,181)
Property and equipment, net	103,650	90,701
Depreciation expense	6,700	6,100	$ 7,100
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	48,974	48,963
Software
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	40,097	34,779
Computer Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 6,129	$ 6,814

Intangible Assets (Details)

Intangible Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	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	848,000	2,959,000
Finite-Lived Trade Names, Gross	1,294,000	1,228,000
Finite-Lived Developed Technologies, Gross	17,278,000	16,770,000
Finite-Lived Customer Relationships, Gross	8,379,000	7,980,000
Finite-Lived Patents, Gross	2,459,000	2,768,000
Intangible Assets, Gross (Excluding Goodwill)	35,031,000	36,478,000
Finite-Lived Intangible Assets, Accumulated Amortization	(16,286,000)	(12,447,000)
Intangible assets, net	18,745,000	24,031,000
Goodwill	43,713,000	41,983,000	$ 32,709,000
Goodwill, Acquired During Period		12,159,000
Goodwill, Foreign Currency Translation Gain (Loss)	$ 1,730,000	(2,885,000)
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	2 years 9 months 18 days
Subscription business [Member]
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 43,713,000	41,983,000	32,709,000
Goodwill, Acquired During Period		12,159,000
Goodwill, Foreign Currency Translation Gain (Loss)	1,730,000	(2,885,000)
Other business
Finite-Lived Intangible Assets [Line Items]
Goodwill	0	0	$ 0
Goodwill, Acquired During Period		0
Goodwill, Foreign Currency Translation Gain (Loss)	0	0
Leases, Acquired-in-Place [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	(848,000)	(2,866,000)
Intangible assets, net	0	93,000
Trade Names [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	(412,000)	(266,000)
Intangible assets, net	$ 882,000	962,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	6 years 9 months 18 days
Technology-Based Intangible Assets [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (9,023,000)	(5,164,000)
Intangible assets, net	$ 8,255,000	11,606,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	2 years 7 months 6 days
Customer Relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (4,855,000)	(3,001,000)
Intangible assets, net	$ 3,524,000	4,979,000
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	2 years 1 month 6 days
Patents [Member]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Accumulated Amortization	$ (1,148,000)	(1,150,000)
Intangible assets, net	$ 1,311,000	$ 1,618,000
Patents, trademarks, and other
Finite-Lived Intangible Assets [Line Items]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life	5 years

Intangible Assets, Narrative (D

Intangible Assets, Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 43,713,000	$ 41,983,000	$ 32,709,000
Goodwill, Foreign Currency Translation Gain (Loss)	1,730,000	(2,885,000)
Indefinite-Lived License Agreements	4,773,000	4,773,000
Amortization of Intangible Assets	$ 5,700,000	$ 4,800,000	$ 4,900,000

Intangible Assets, Expected Amo

Intangible Assets, Expected Amortization (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Finite-Lived Intangible Assets, Amortization Expense, Maturity Schedule [Abstract]
Operating Leases, Future Minimum Payments Receivable, Current	$ 5,345
Operating Leases, Future Minimum Payments Receivable, in Two Years	4,556
Operating Leases, Future Minimum Payments Receivable, in Three Years	1,482
Operating Leases, Future Minimum Payments Receivable, in Four Years	1,311
Operating Leases, Future Minimum Payments Receivable, in Five Years	164
Operating Leases, Future Minimum Payments Receivable, Thereafter	443
Operating Leases, Future Minimum Payments Receivable	$ 13,301

Investment Securities (Details)

Investment Securities (Details) Investment Schedule - AFS - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Unrealized Loss Position	$ 300,000	$ 800,000
Proceeds from Sale of Debt Securities, Available-for-Sale	114,700,000	43,000,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	2,420,000
Available-for-sale securities, due after one year through five years, amortized cost basis	90,278,000
Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Amortized Cost	92,698,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	2,408,000
Available-for-sale securities, due after one year through five years, fair value	90,761,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer	18,900,000	0
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months	25,900,000	76,300,000
Debt Securities, Available-for-sale	93,169,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	200,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	100,000	800,000
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, Amortized Cost	11,869,000	7,683,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	0
Debt Securities, Available-for-sale	11,869,000	7,683,000
Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	21,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	15,000	58,000
Debt Securities, Held-to-maturity, Fair Value	25,483,000	56,447,000
Debt Securities, Available-for-Sale, Unrealized Gain	794,000	128,000
Debt Securities, Held-to-maturity, Amortized Cost	25,477,000	56,505,000
Collateralized Mortgage-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	10,460,000
Available-for-sale securities, due after one year through five years, amortized cost basis	12,422,000
Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Amortized Cost	22,882,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	10,454,000
Available-for-sale securities, due after one year through five years, fair value	12,436,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	22,890,000
Debt Securities, Available-for-sale	10,454,000	7,918,000
Collateralized Mortgage-Backed Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(75,000)	(105,000)
Debt Securities, Available-for-Sale, Amortized Cost	10,460,000	8,015,000
Debt Securities, Available-for-Sale, Unrealized Gain	69,000	8,000
Debt Securities, Available-for-sale	10,454,000	7,918,000
Asset-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale	12,436,000	11,209,000
Asset-Backed Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(53,000)	(85,000)
Debt Securities, Available-for-Sale, Amortized Cost	12,422,000	11,286,000
Debt Securities, Available-for-Sale, Unrealized Gain	67,000	8,000
Debt Securities, Available-for-sale	12,436,000	11,209,000
Corporate Bond Securities | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(123,000)	(357,000)
Debt Securities, Available-for-Sale, Amortized Cost	36,404,000	37,793,000
Debt Securities, Available-for-Sale, Unrealized Gain	332,000	95,000
Debt Securities, Available-for-sale	36,613,000	37,531,000
US Treasury and Government | Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	8,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	4,000
Debt Securities, Held-to-maturity, Fair Value	1,005,000	154,000
US Treasury and Government | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(64,000)	(203,000)
Debt Securities, Available-for-Sale, Amortized Cost	44,425,000	42,833,000
Debt Securities, Available-for-Sale, Unrealized Gain	326,000	17,000
Debt Securities, Available-for-sale	44,687,000	42,647,000
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	(315,000)	(756,000)
Debt Securities, Available-for-Sale, Amortized Cost	103,711,000	100,927,000
Debt Securities, Available-for-sale	104,190,000	100,299,000
Deposits [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale	11,869,000	7,683,000
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, Amortized Cost	11,869,000	7,683,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	0
Debt Securities, Available-for-sale	11,869,000	7,683,000
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale		994,000
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, Amortized Cost		1,000,000
Debt Securities, Available-for-Sale, Unrealized Gain		0
Debt Securities, Available-for-sale		994,000
Total Long-Term Held-to-Maturity | Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	8,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	4,000
Debt Securities, Held-to-maturity, Fair Value	1,005,000	154,000
Debt Securities, Held-to-maturity, Amortized Cost	997,000	158,000
US Treasury Securities [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	21,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	15,000	58,000
Debt Securities, Held-to-maturity, Fair Value	13,185,000	12,001,000
Certificates of Deposit [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	0	0
Debt Securities, Held-to-maturity, Fair Value	12,298,000	3,254,000
Debt Securities, Held-to-maturity, Amortized Cost	$ 12,298,000	3,254,000
US Government Debt Securities [Member] | Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain		0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss		0
Debt Securities, Held-to-maturity, Fair Value		41,192,000
Debt Securities, Held-to-maturity, Amortized Cost		$ 41,192,000

Investment Securities (Detail_2

Investment Securities (Details) - Investment Schedule - HTM - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Short-Term Investments
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One	$ 25,477,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five	997,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date	26,474,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	25,483,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	1,005,000
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value	26,488,000
Debt Securities, Available-for-sale	93,169,000
Other Long-Term Investments
Short-Term Investments
Debt Securities, Available-for-sale	11,869,000	$ 7,683,000
Short-Term Investments
Short-Term Investments
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	21,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(15,000)	(58,000)
Debt Securities, Held-to-maturity, Fair Value	25,483,000	56,447,000
US Treasury and Government | Other Long-Term Investments
Short-Term Investments
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss	997,000	158,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	8,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	(4,000)
Debt Securities, Held-to-maturity, Fair Value	1,005,000	154,000
US Treasury and Government | Short-Term Investments
Short-Term Investments
Debt Securities, Available-for-sale	44,687,000	42,647,000
US Treasury Securities [Member] | Short-Term Investments
Short-Term Investments
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss	13,179,000	12,059,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	21,000	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(15,000)	(58,000)
Debt Securities, Held-to-maturity, Fair Value	$ 13,185,000	$ 12,001,000

Other Investments (Details)

Other Investments (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2023 AUD ($)	Dec. 31, 2021 USD ($)
Other Investments [Abstract]
Purchase of Equity Interest				$ 7,000,000
Increase (Decrease) in Notes Receivables	$ 7,000,000
Line of Credit outstanding balance, Variable Interest Entity	4,000,000	$ 6,300,000
Services performed for Variable Interest Entity	400,000	800,000
Financing Receivable, Revolving, Annual Increase	2,000,000
Other Commitment			$ 2.2
Payments to Acquire Interest in Joint Venture	1,300,000
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Accounts Receivable, Allowance for Credit Loss, Period Increase (Decrease)	(1,674,000)
Accounts Receivable, Allowance for Credit Loss	1,700,000	0		0
Preferred Stock
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Accounts Receivable, Allowance for Credit Loss, Period Increase (Decrease)	(1,674,000)	0
Accounts Receivable, Allowance for Credit Loss	$ (1,674,000)	$ 0		$ 0

Fair Value (Details) Unobservab

Fair Value (Details) Unobservable - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	$ 5,326,000	$ 4,115,000
Assets, Fair Value Disclosure	188,745,000	113,730,000
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	79,229,000	9,316,000
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	104,190,000	100,299,000
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	5,326,000	4,115,000	$ 8,442,000	$ 7,949,000
Assets, Fair Value Disclosure	5,326,000	4,115,000
Money Market Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	67,360,000	1,633,000
Money Market Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	67,360,000	1,633,000
Money Market Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	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

Fair Value (Details) Unobserv_2

Fair Value (Details) Unobservable - Credit Loss Rollforward - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	$ 5,326,000	$ 4,115,000
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other expense (income), net	Other expense (income), net	Other expense (income), net
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	$ 2,885,000	$ (4,327,000)	$ 493,000
Accounts Receivable, Allowance for Credit Loss, Period Increase (Decrease)	(1,674,000)
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	$ 5,326,000	$ 4,115,000	$ 8,442,000	$ 7,949,000

Fair Value Narrative (Details)

Fair Value Narrative (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 5,326,000	$ 4,115,000
Notes Receivable, Fair Value Disclosure	6,800,000	9,300,000
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Noncontrolling Interest in Variable Interest Entity	5,326,000	4,115,000
Debt Securities, Available-for-sale	93,169,000
Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	5,326,000	4,115,000	$ 8,442,000	$ 7,949,000
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Noncontrolling Interest in Variable Interest Entity	5,326,000	4,115,000	$ 8,442,000	$ 7,949,000
Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	0	0
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	0	0
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Noncontrolling Interest in Variable Interest Entity	0	0
Collateralized Mortgage-Backed Securities
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	10,454,000	7,918,000
Collateralized Mortgage-Backed Securities | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Collateralized Mortgage-Backed Securities | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Collateralized Mortgage-Backed Securities | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	10,454,000	7,918,000
Asset-Backed Securities
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	12,436,000	11,209,000
Asset-Backed Securities | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Asset-Backed Securities | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Asset-Backed Securities | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	12,436,000	11,209,000
Total Corporate Bond Securities Member LT and ST [Domain]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	36,613,000	37,531,000
Total Corporate Bond Securities Member LT and ST [Domain] | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Total Corporate Bond Securities Member LT and ST [Domain] | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Total Corporate Bond Securities Member LT and ST [Domain] | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	36,613,000	37,531,000
Deposits [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	11,869,000	7,683,000
Deposits [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Deposits [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	11,869,000	7,683,000
Deposits [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Total US Treasury LT and ST Member [Domain]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	44,687,000	42,647,000
Total US Treasury LT and ST Member [Domain] | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Total US Treasury LT and ST Member [Domain] | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	0	0
Total US Treasury LT and ST Member [Domain] | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale	44,687,000	42,647,000
Municipal Bonds [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale		994,000
Municipal Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale		0
Municipal Bonds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale		0
Municipal Bonds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Debt Securities, Available-for-sale		994,000
Money Market Funds [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	67,360,000	1,633,000
Money Market Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Money Market Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	67,360,000	1,633,000
Money Market Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	$ 0	$ 0

Claims Reserve (Details)

Claims Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Claims reserve at beginning of year	$ 21,543	$ 22,407	$ 19,925
Current Year Claims and Claims Adjustment Expense	540,396	439,679	357,859
Prior Year Claims and Claims Adjustment Expense	2,800	(2,799)	(1,411)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	543,196	436,880	356,448
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	506,294	414,778	333,182
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	23,001	18,739	16,109
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	529,295	433,517	349,291
Claims expense non-cash	3,896	4,227	4,675
Claims reserve at end of year	31,548	21,543	22,407
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Claims reserve at beginning of year	22,191	17,264	9,004
Current Year Claims and Claims Adjustment Expense	287,361	211,729	129,826
Prior Year Claims and Claims Adjustment Expense	498	1,128	(212)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	287,859	212,857	129,614
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	256,616	190,031	112,574
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	21,744	17,899	8,780
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	278,360	207,930	121,354
Claims expense non-cash	0	0	0
Claims reserve at end of year	$ 31,690	$ 22,191	$ 17,264

Claims Reserve Cumulative claim

Claims Reserve Cumulative claims paid and claims adjustment expenses (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Subscription business [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 1,612,472
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	31,548
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	278,342	$ 277,839	$ 278,325	$ 279,236
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,205,693
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	$ 352,320	351,797	354,083
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,482,674
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	$ 439,448	438,148
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 1,342
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,775,110
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	$ 542,362
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 30,206
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,981,465
Other Segments [Member]
Claims Development [Line Items]
Short-duration Insurance Contracts, Incurred Claims and Allocated Claim Adjustment Expense, Net	$ 702,457
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	31,690
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	72,352	72,255	72,026	$ 72,289
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	536,416
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	$ 130,577	130,650	$ 129,814
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 0
Short-duration Insurance Contract, Cumulative Number of Reported Claims	906,658
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	$ 212,163	$ 211,724
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 945
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,289,524
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	$ 287,365
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 30,745
Short-duration Insurance Contract, Cumulative Number of Reported Claims	1,414,664

Claims Reserve Incurred claims

Claims Reserve Incurred claims and claim adjustment expense (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
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	$ 1,580,924
Liability for Unpaid Claims and Claims Adjustment Expense, Net	31,548	$ 21,543	$ 22,407	$ 19,925
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	278,342	277,839	276,589	261,780
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	352,320	350,925	334,187
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	438,106	417,419
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	512,156
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	670,767
Liability for Unpaid Claims and Claims Adjustment Expense, Net	31,690	22,191	17,264	9,004
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	72,352	72,255	72,013	$ 63,362
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	130,577	130,157	$ 112,562
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	211,218	$ 190,026
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	$ 256,620

Debt (Details) - Narrative

Debt (Details) - Narrative - USD ($)	12 Months Ended
	Dec. 31, 2023	Sep. 21, 2023	Feb. 16, 2023	Dec. 31, 2022	Dec. 29, 2022
Line of Credit Facility [Line Items]
Line of Credit Facility, Expiration Date	Mar. 25, 2027
Long-Term Debt	$ 127,580,000			$ 68,354,000
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of credit facility, maximum borrowing capacity	$ 150,000,000
Debt Instrument, Interest Rate, Stated Percentage	10.50%
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
Delayed Draw Term Loan
Line of Credit Facility [Line Items]
Long-Term Debt		$ 25,000,000	$ 35,000,000		$ 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, 2023 USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 1,350
Long-Term Debt, Maturity, Year Two	1,350
Long-Term Debt, Maturity, Year Three	1,350
Long-Term Debt, Maturity, Year Four	72,113
Long-Term Debt, Maturity, Year Five	57,125
Long-Term Debt, Maturity, after Year Five	0
Long-term Line of Credit	$ 133,288

Stock-based Compensation Expens

Stock-based Compensation Expense Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Stock-based Compensation
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	$ 2,135	$ 1,633	$ 676
Total stock-based compensation	35,296	35,026	28,902
Claims expenses
Stock-based Compensation
Total stock-based compensation	3,667	4,145	4,538
Other cost of revenue
Stock-based Compensation
Total stock-based compensation	1,612	2,339	2,610
Technology and development
Stock-based Compensation
Total stock-based compensation	2,846	4,742	3,056
General and administrative
Stock-based Compensation
Total stock-based compensation	17,717	12,831	8,862
Sales and marketing
Stock-based Compensation
Total stock-based compensation	7,319	9,336	9,160
Total Expense [Member]
Stock-based Compensation
Total stock-based compensation	$ 33,161	$ 33,393	$ 28,226

Stock-based Compensation (Detai

Stock-based Compensation (Details) Narrative	12 Months Ended
	Dec. 31, 2023 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options outstanding, weighted average remaining contractual term	2 years 6 months
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	2 years 6 months
Share-Based Payment Arrangement, Accelerated Cost	$ 4,800,000
Restricted stock awards and restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock, outstanding | shares	714,382
Compensation cost not yet recognized	$ 44,600,000
Weighted average remaining vesting period	2 years 4 months 24 days

Stock-based Compensation Option

Stock-based Compensation Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Number of Options
Beginning balance	629,650	807,205	1,459,290
Granted	0	0	0
Exercised	213,848	174,721	647,164
Forfeited	6,832	2,834	4,921
Ending Balance	408,970	629,650	807,205
Exercisable at December 31, 2023	408,970
Weighted Average Exercise Price per Share
Beginning Balance (usd per share)	$ 13.53	$ 13.39	$ 9.93
Granted (usd per share)	0	0	0
Exercised (usd per share)	12.47	12.82	5.59
Forfeited (usd per share)	12.80	18.87	13.66
Ending Balance (usd per share)	14.09	$ 13.53	$ 13.39
Vested and exercisable at December 31, 2014 (usd per share)	$ 14.09
Aggregate Intrinsic Value (in thousands)
Outstanding	$ 6,715	$ 21,410	$ 95,765	$ 160,200
Exercised	3,720	$ 10,931	$ 58,200
Exercisable at December 31, 2023	$ 6,715

Stock-based Compensation Opti_2

Stock-based Compensation Options Granted (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Fair Value of Options Vested (in thousands)	$ 0	$ 0	$ 313

Stock-based Compensation Restri

Stock-based Compensation Restricted Stock Awards (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Beginning balance	1,112,552	1,087,627	782,755
Granted	366,870	623,401	787,730
Vested	(669,413)	(516,077)	(426,725)
Forfeited	(95,627)	(82,399)	(56,133)
Ending balance	714,382	1,112,552	1,087,627
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)	$ 84.46	$ 78.94	$ 34.81
Restricted stock awards granted (usd per share)	26.77	84.11	101.32
Awards upon which restrictions lapsed (usd per share)	72.52	72.81	40.10
Restricted stock awards forfeited (usd per share)	79.60	81.91	72.93
Ending balance (usd per share)	$ 66.64	$ 84.46	$ 78.94

Stockholder's Equity Narrative

Stockholder's Equity Narrative (Details) - shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Class of Stock Disclosures [Abstract]
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Outstanding	41,858,866	41,013,158
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Treasury Stock, Shares, Acquired	0	95,021

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	$ 303,722	$ 305,297	$ 332,200	$ 339,939
Other comprehensive income (loss)	6,704	(9,378)	6
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	3,992	(4,966)	502
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,712	(4,412)	(496)
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(76)	(2,788)	1,624	2,120
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,712	(4,412)	(496)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	479	(3,513)	1,453	951
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, after Tax	3,992	(4,966)	502
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	403	(6,301)	3,077	$ 3,071
Other comprehensive income (loss)	$ 6,704	$ (9,378)	$ 6

Segments (Details) Business Seg

Segments (Details) Business Segment - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Revenue	$ 1,108,605	$ 905,179	$ 698,991
Veterinary invoice expense	831,055	649,737	486,062
Other cost of revenue	146,534	133,257	108,583
Technology and development	21,403	25,133	16,866
General and administrative	60,207	39,379	31,893
New pet acquisition expense	77,372	89,500	78,647
Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest	(45,035)	(44,196)	(35,220)
Gain (loss) from investment in joint venture	(219)	(253)	(171)
Operating loss	(40,659)	(43,001)	(35,196)
Interest expense	12,077	4,267	10
Other expense (income), net	(7,701)	(3,072)	14
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	(45,035)	(44,196)	(35,220)
Subscription business
Segment Reporting Information [Line Items]
Revenue	712,906	596,610	494,862
Veterinary invoice expense	543,196	436,880	356,448
Other cost of revenue	70,490	60,804	51,216
Technology and development	13,765	16,555	11,942
General and administrative	36,256	25,964	22,579
New pet acquisition expense	77,172	88,959	78,148
Depreciation and amortization	8,021	7,205	8,494
Operating loss	(35,994)	(39,757)	(33,965)
Other business
Segment Reporting Information [Line Items]
Revenue	395,699	308,569	204,129
Veterinary invoice expense	287,859	212,857	129,614
Other cost of revenue	76,044	72,453	57,367
Technology and development	7,638	8,578	4,924
General and administrative	23,951	13,415	9,314
New pet acquisition expense	200	541	499
Depreciation and amortization	4,453	3,716	3,471
Operating loss	$ (4,446)	$ (2,991)	$ (1,060)

Segments (Details) Revenue by G

Segments (Details) Revenue by Geography - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Revenues	$ 1,108,605	$ 905,179	$ 698,991
United States
Segment Reporting Information [Line Items]
Revenues	935,312	764,349	580,966
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 173,293	$ 140,830	$ 118,025

Dividend Restrictions Statuto_3

Dividend Restrictions Statutory Surplus (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statutory Accounting Practices [Line Items]
Dividends from subsidiaries	$ 14,900
Deposit Assets	14,600
American Pet Insurance Company (APIC) [Member]
Statutory Accounting Practices [Line Items]
Dividends from subsidiaries	7,600
Statutory Accounting Practices, Statutory Net Income Amount	40,076	$ 35,227	$ 24,409
Statutory Accounting Practices, Statutory Capital and Surplus, Balance	199,613	162,232	124,189
Statutory Accounting Practices, Statutory Capital and Surplus Required	137,600
Statutory Accounting Practices, Statutory Capital Funding	3,800
Wyndham Insurance Company (SAC) Limited [Member]
Statutory Accounting Practices [Line Items]
Dividends from subsidiaries	7,300	6,900	$ 5,600
ZPIC Insurance Company (ZPIC) [Member]
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Capital Funding	200	8,000
QPIC Insurance Company (QPIC) [Member]
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Capital Funding		$ 7,800
GPIC Insurance Company (GPIC)
Statutory Accounting Practices [Line Items]
Statutory Accounting Practices, Statutory Capital Funding	$ 8,500

Income Taxes Income before taxe

Income Taxes Income before taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
United States	$ (41,019)	$ (43,794)	$ (34,052)
Foreign	(4,016)	(402)	(1,168)
Loss before income taxes	$ (45,035)	$ (44,196)	$ (35,220)

Income Taxes Income tax benefit

Income Taxes Income tax benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
U.S. federal & state	$ (8)	$ 82	$ 58
Foreign	464	814	2,066
Current income tax expense (benefit)	456	896	2,124
U.S. federal & state	7	11	(15)
Foreign	(805)	(431)	(1,799)
Deferred Income Tax Expense (Benefit)	(798)	(420)	(1,814)
Income tax (benefit) expense	$ (342)	$ 476	$ 310

Income Taxes Tax Rate Reconcili

Income Taxes Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
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	7.90%	3.50%	7.50%
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-based Compensation Cost, Percent	(9.20%)	2.50%	30.40%
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent	(19.10%)	(26.70%)	(58.40%)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(0.10%)	(1.70%)	(1.70%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	0.30%	0.30%	0.30%
Effective income tax rate	0.80%	(1.10%)	(0.90%)

Income Taxes Deferred tax asset

Income Taxes Deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Unearned Premiums Reserve	$ 10,017	$ 8,610
Accruals and reserves	2,190	1,860
Net operating loss carryforwards	71,231	63,772
Depreciation and amortization	2,310	1,421
Equity compensation	1,875	3,179
Credits	1,147	997
Other	1,995	1,661
Total deferred tax assets	90,765	81,500
Deferred tax liabilities:
Deferred costs	(1,549)	(1,322)
Intangible assets	(3,103)	(3,603)
Other	(3,471)	(2,398)
Total deferred tax liabilities	(8,123)	(7,323)
Deferred Tax Assets, Net	82,642	74,177
Less deferred tax asset valuation allowance	(85,245)	(77,507)
Net deferred tax liability	$ (2,603)	$ (3,330)

Income Taxes Narrative (Details

Income Taxes Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Income Tax Disclosure [Abstract]
Operating loss carryforwards	$ 71.2
Deferred Income Taxes and Tax Credits	1.1
Operating Loss Carryforwards, Limitations on Use, Value	0.5
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	$ 7.7
Operating Loss Carryforward Expiration Date	2026

Income Taxes Unrecognized Tax B

Income Taxes Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance, beginning of year	$ 151	$ 138	$ 133
Increases (decreases) to tax positions related to prior periods	(72)	(8)	0
Increases to tax positions related to the current year	1	5	5
Balance, end of year	$ 80	$ 151	$ 138

Retirement Plan Details (Detail

Retirement Plan Details (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
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, 2023	Dec. 31, 2022
Schedule of Equity Method Investments [Line Items]
Related Party Transaction, Amounts of Transaction	$ 2,200,000	$ 3,500,000
Equity Method Investments	$ 300,000
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, 2023	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Revenue	$ 1,108,605	$ 905,179	$ 698,991
Technology and development	21,403	25,133	16,866
General and administrative	60,207	39,379	31,893
New pet acquisition expense	77,372	89,500	78,647
Gain (loss) from investment in joint venture	(219)	(253)	(171)
Operating loss	(40,659)	(43,001)	(35,196)
Interest expense	12,077	4,267	10
Other expense (income), net	7,701	3,072	(14)
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	(37,989)	(54,050)	(35,524)
Parent Company
Condensed Financial Statements, Captions [Line Items]
Veterinary invoice expense	253	4,144	4,538
Other costs of revenue	240	2,340	2,610
Technology and development	1,507	4,930	3,130
General and administrative	5,345	16,346	11,714
New pet acquisition expense	806	9,351	9,177
Depreciation and amortization	494	289	473
Total expenses	8,645	37,400	31,642
Gain (loss) from investment in joint venture	(237)	(192)	(33)
Operating loss	(8,882)	(37,592)	(31,675)
Interest expense	11,998	4,255	(2)
Other expense (income), net	14,442	8,047	5,755
Loss before equity in undistributed earnings of subsidiaries	(6,438)	(33,800)	(25,918)
Income tax benefit	15,766	14,544	12,272
Equity (loss) in undistributed earnings of subsidiaries	(54,021)	(25,416)	(21,884)
Net loss	(44,693)	(44,672)	(35,530)
Other comprehensive income (loss) of subsidiaries	6,704	(9,378)	6
Comprehensive Income (Loss), Net of Tax, Attributable to Parent, Total	$ (37,989)	$ (54,050)	$ (35,524)

Schedule 1-Parent Only Disclo_3

Schedule 1-Parent Only Disclosures Condensed Balance Sheet (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets [Abstract]
Cash and cash equivalents	$ 147,501,000	$ 65,605,000
Accounts and other receivables	267,899,000	232,439,000
Prepaid expenses and other assets	17,022,000	14,248,000
Total current assets	562,089,000	469,096,000
Restricted cash	22,963,000	19,032,000
Property, equipment, and internal-use software, net	103,650,000	90,701,000
Intangible assets, net	18,745,000	24,031,000
Other long-term assets	18,922,000	18,943,000
Total assets	782,948,000	671,627,000
Liabilities and Equity [Abstract]
Long-Term Debt, Current Maturities	1,350,000	1,103,000
Total current liabilities	344,474,000	289,616,000
Long-Term Debt	127,580,000	68,354,000
Deferred tax liabilities	2,685,000	3,392,000
Other liabilities	4,487,000	4,968,000
Total liabilities	479,226,000	366,330,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	536,108,000	499,694,000
Accumulated other comprehensive income (loss)	403,000	(6,301,000)
Accumulated deficit	(216,255,000)	(171,562,000)
Treasury stock, at cost	(16,534,000)	(16,534,000)
Total stockholders' equity	303,722,000	305,297,000	$ 332,200,000	$ 339,939,000
Total liabilities and stockholders’ equity	$ 782,948,000	$ 671,627,000
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
Treasury Stock, Common, Shares	1,028,186	1,028,186
Parent Company
Assets [Abstract]
Cash and cash equivalents	$ 10,994,000	$ 16,052,000
Accounts and other receivables	1,000	5,739,000
Prepaid expenses and other assets	804,000	697,000
Total current assets	11,799,000	22,488,000
Restricted cash	22,963,000	19,032,000
Property, equipment, and internal-use software, net	3,981,000	2,398,000
Intangible assets, net	5,808,000	5,710,000
Other long-term assets	12,540,000	13,960,000
Advances to and investments in subsidiaries	377,031,000	312,559,000
Total assets	434,122,000	376,147,000
Liabilities and Equity [Abstract]
Accounts payable, accrued liabilities, and other current liabilities	336,000	484,000
Long-Term Debt, Current Maturities	1,350,000	750,000
Total current liabilities	1,686,000	1,234,000
Long-Term Debt	127,580,000	68,354,000
Deferred tax liabilities	1,106,000	1,100,000
Other liabilities	28,000	162,000
Total liabilities	130,400,000	70,850,000
Common stock: $0.00001 par value per share	0	0
Preferred stock: $0.00001 par value per share	0	0
Additional paid-in capital	536,108,000	499,694,000
Accumulated other comprehensive income (loss)	403,000	(6,301,000)
Accumulated deficit	(216,255,000)	(171,562,000)
Treasury stock, at cost	(16,534,000)	(16,534,000)
Total stockholders' equity	303,722,000	305,297,000
Total liabilities and stockholders’ equity	$ 434,122,000	$ 376,147,000
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
Treasury Stock, Common, Shares		1,028,186

Parent-Only Condensed Consolida

Parent-Only Condensed Consolidated Balance Sheet Parentheticals (Details) - $ / shares	Dec. 31, 2023	Dec. 31, 2022
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	42,887,052	42,041,344
Common Stock, Shares, Outstanding	41,858,866	41,013,158
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
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	42,887,052	42,041,344
Common Stock, Shares, Outstanding	41,858,866	41,013,158
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

Schedule 1-Parent Only Disclo_4

Schedule 1-Parent Only Disclosures Condensed Statements of Cash Flows (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Stock-based compensation expense	$ 33,161,000	$ 33,393,000	$ 28,226,000
Other, net	1,347,000	1,051,000	(1,927,000)
Net cash provided by (used in) operating activities	18,638,000	(8,000,000)	7,458,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Cash paid in business acquisition, net of cash acquired	0	(15,034,000)	0
Purchases of property, equipment, and internal-use software	(18,280,000)	(17,088,000)	(12,355,000)
Other	1,585,000	(1,598,000)	(1,755,000)
Net cash provided by (used in) investing activities	7,639,000	(67,516,000)	(51,913,000)
Dividends from subsidiaries	14,900,000
Net Cash Provided by (Used in) Financing Activities [Abstract]
Payments for Repurchase of Common Stock	0	(5,755,000)	0
Proceeds from exercise of stock options	2,655,000	2,290,000	3,607,000
Shares withheld to satisfy tax withholding	(1,536,000)	(4,359,000)	(4,732,000)
Repayment of debt financing	(1,717,000)	(571,000)	0
Net cash provided by (used in) financing activities	59,126,000	60,743,000	(1,125,000)
Net change in cash, cash equivalents, and restricted cash	85,827,000	(16,232,000)	(45,328,000)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	84,637,000	100,869,000	146,197,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	170,464,000	84,637,000	100,869,000
Parent Company
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net loss	(44,693,000)	(44,672,000)	(35,530,000)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Loss attributable to investments in subsidiaries	(39,184,000)	(19,331,000)	(17,501,000)
Depreciation and amortization	494,000	289,000	473,000
Stock-based compensation expense	4,575,000	33,393,000	28,226,000
Other, net	4,200,000	533,000	(161,000)
Changes in operating assets and liabilities	6,194,000	(166,000)	(1,219,000)
Net cash provided by (used in) operating activities	24,791,000	15,650,000	14,857,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Cash paid in business acquisition, net of cash acquired	0	(15,034,000)	0
Purchases of property, equipment, and internal-use software	(172,000)	(516,000)	(280,000)
Advances to and investments in subsidiaries	(87,198,000)	(71,671,000)	(71,721,000)
Other	1,586,000	(1,598,000)	(1,755,000)
Net cash provided by (used in) investing activities	(85,784,000)	(88,819,000)	(73,756,000)
Dividends from subsidiaries	14,837,000	6,942,000	5,567,000
Net Cash Provided by (Used in) Financing Activities [Abstract]
Payments for Repurchase of Common Stock	0	5,755,000	0
Proceeds from exercise of stock options	2,655,000	2,290,000	3,607,000
Shares withheld to satisfy tax withholding	(1,536,000)	(4,359,000)	(4,732,000)
Proceeds from debt financing, net of financing fees	59,972,000	69,138,000	0
Repayment of debt financing	(1,225,000)	(487,000)	0
Net cash provided by (used in) financing activities	59,866,000	60,827,000	(1,125,000)
Net change in cash, cash equivalents, and restricted cash	(1,127,000)	(12,342,000)	(60,024,000)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	35,084,000	47,426,000	107,450,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	33,957,000	$ 35,084,000	$ 47,426,000
Subsidiary Issuer
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Stock-based compensation expense	$ 28,300,000