---
schema_version: "secwatch.filing_event.v1"
accession: "0001371285-24-000278"
form_type: "8-K"
ticker: "TRUP"
cik: "0001371285"
company_name: "TRUPANION, INC."
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:08:11.681490+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Trupanion Q3 net income $1.4M vs loss; revenue up 15% to $327.5M

## Summary
- Total revenue $327.5M (+15% YoY); subscription revenue $219M (+20% YoY).
- Net income $1.4M ($0.03 EPS) vs net loss $(4.0)M ($(0.10) EPS) a year ago.
- Adjusted EBITDA $14.5M (vs $6.1M); free cash flow $13.4M (vs $7.0M).
- Subscription enrolled pets 1,032,042 (+6% YoY); total enrolled pets 1,688,903 (-1% YoY).
- Cash and short-term investments $293.1M; insurance surplus $274.6M, well above RBC.

## SEC filing metadata
- accession: 0001371285-24-000278
- form_type: 8-K
- ticker: TRUP
- cik: 0001371285
- company_name: TRUPANION, INC.
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/0001371285-24-000278-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1371285/000137128524000278/trup-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001371285-24-000278
- JSON: https://secwatch.observer/filing/0001371285-24-000278.json
- Plain text: https://secwatch.observer/filing/0001371285-24-000278.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.