Trupanion (TRUP) 10-Q4 Nov 222022 Q3 Quarterly reportFinancial data

Company Profile

Cover Page Document

Cover Page Document - shares	9 Months Ended
Cover Page Document - shares	Sep. 30, 2022	Oct. 28, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Document Transition Report	false
Entity File Number	001-36537
Entity Registrant Name	TRUPANION, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	83-0480694
Entity Address, Address Line One	6100 4th Avenue S, Suite 400
Entity Address, City or Town	Seattle,
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98108
City Area Code	(855)
Local Phone Number	727 - 9079
Title of 12(b) Security	Common stock, $0.00001 par value per share
Trading Symbol	TRUP
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		40,883,654
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Statement of Opera

Consolidated Statement of Operations - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Income Statement [Abstract]
Revenues	$ 233,760	$ 181,667	$ 659,170	$ 504,612
Claims Expense	171,112	125,058	473,654	353,210
Other Cost of Services Sold	32,589	28,443	96,980	77,591
Cost of Revenue	203,701	153,501	570,634	430,801
Technology and Development Expense	6,553	4,391	18,178	12,201
General and Administrative Expense	10,314	8,246	28,907	22,897
Selling and Marketing Expense	22,434	19,708	67,043	58,802
Depreciation, Depletion and Amortization	2,600	2,944	8,024	9,195
Operating Expenses	41,901	35,289	122,152	103,095
Income (Loss) from Equity Method Investments	(57)	(69)	(168)	(149)
Operating Income (Loss), Total	(11,899)	(7,192)	(33,784)	(29,433)
Interest Expense	1,408	0	2,680	1
Other Nonoperating Income (Expense)	(889)	(61)	(1,568)	(222)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	(12,418)	(7,131)	(34,896)	(29,212)
Income Tax Expense (Benefit)	496	(312)	491	(724)
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (12,914)	$ (6,819)	$ (35,387)	$ (28,488)
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share, Basic	$ (0.32)	$ (0.17)	$ (0.87)	$ (0.71)
Earnings Per Share, Diluted	$ (0.32)	$ (0.17)	$ (0.87)	$ (0.71)
Weighted Average Number of Shares Outstanding, Basic	40,799,819	40,283,818	40,707,677	40,044,518
Weighted Average Number of Shares Outstanding, Diluted	40,799,819	40,283,818	40,707,677	40,044,518

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ (12,914)	$ (6,819)	$ (35,387)	$ (28,488)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,946)	(1,800)	(8,193)	(808)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(900)	(2)	(901)	(2)
Other Comprehensive Income (Loss), Net of Tax, Total	(4,846)	(1,802)	(9,094)	(810)
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$ (17,760)	$ (8,621)	$ (44,481)	$ (29,298)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets [Abstract]
Cash and Cash Equivalents, at Carrying Value	$ 85,506	$ 87,400
Short-term Investments	97,438	126,012
Accounts and Other Receivables, Net, Current	224,082	165,217
Prepaid Expense and Other Assets	14,802	12,325
Assets, Current, Total	421,828	390,954
Restricted Cash and Cash Equivalents	13,477	13,469
Marketable Securities, Noncurrent	55,119	7,061
Property, Plant and Equipment, Net	87,066	77,950
Intangible Assets, Net (Excluding Goodwill)	19,327	22,663
Other Assets, Noncurrent	21,553	17,776
Goodwill	29,526	32,709
Assets, Total	647,896	562,582
Liabilities and Equity [Abstract]
Accounts Payable, Current	7,627	8,952
Accrued Liabilities, Current	31,112	28,162
Liability for Claims and Claims Adjustment Expense	39,542	39,671
Deferred Revenue	202,504	146,911
Long-term Debt, Current Maturities	600	0
Liabilities, Current, Total	281,385	223,696
Long-term Debt, Excluding Current Maturities	53,560	0
Deferred Income Tax Liabilities, Net	2,601	2,827
Other Liabilities, Noncurrent	4,612	3,859
Liabilities, Total	342,158	230,382
Common Stock, Value, Outstanding	0	0
Preferred Stock, Value, Outstanding	0	0
Additional Paid in Capital	490,566	466,792
Accumulated Other Comprehensive Income (Loss), Net of Tax	(6,017)	3,077
Retained Earnings (Accumulated Deficit)	(162,277)	(126,890)
Treasury Stock, Value	(16,534)	(10,779)
Stockholders' Equity Attributable to Parent	305,738	332,200
Liabilities and Equity	$ 647,896	$ 562,582

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 384,000	$ 342,000
Common Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	41,901,548	41,408,350
Common Stock, Shares, Outstanding	40,873,362	40,475,185
Preferred Stock, Par or Stated Value Per Share	$ 0.00001	$ 0.00001
Preferred Stock, Shares Authorized	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Treasury Stock, Shares	1,028,186	933,165

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2020		39,450,807
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2020	$ 339,939	$ 0	$ 439,007	$ (91,360)	$ 3,071	$ (10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		912,968
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(549)		(549)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	21,881		21,881
Other Comprehensive Income (Loss), Net of Tax	(810)				(810)
Net Income (Loss) Available to Common Stockholders, Basic	(28,488)			(28,488)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2021		40,363,775
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2021	331,973	$ 0	460,339	(119,848)	2,261	(10,779)
Common Stock, Shares, Outstanding, Beginning Balance at Jun. 30, 2021		40,231,055
Stockholders' Equity Attributable to Parent, Beginning Balance at Jun. 30, 2021	334,205	$ 0	453,950	(113,029)	4,063	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		132,720
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(224)		(224)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	6,613		6,613
Other Comprehensive Income (Loss), Net of Tax	(1,802)				(1,802)
Net Income (Loss) Available to Common Stockholders, Basic	(6,819)			(6,819)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2021		40,363,775
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2021	$ 331,973	$ 0	460,339	(119,848)	2,261	(10,779)
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2021	40,475,185	40,475,185
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2021	$ 332,200	$ 0	466,792	(126,890)	3,077	(10,779)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		493,198
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(2,196)		(2,196)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	$ 25,970		25,970
Treasury Stock, Shares, Acquired	(95,021)	(95,021)
Treasury Stock, Value, Acquired, Cost Method	$ (5,755)					5,755
Other Comprehensive Income (Loss), Net of Tax	(9,094)				(9,094)
Net Income (Loss) Available to Common Stockholders, Basic	$ (35,387)			(35,387)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2022	40,873,362	40,873,362
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2022	$ 305,738	$ 0	490,566	(162,277)	(6,017)	(16,534)
Common Stock, Shares, Outstanding, Beginning Balance at Jun. 30, 2022		40,745,298
Stockholders' Equity Attributable to Parent, Beginning Balance at Jun. 30, 2022	314,754	$ 0	481,818	(149,363)	(1,171)	(16,530)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		128,126
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(437)		(437)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	$ 9,185		9,185
Treasury Stock, Shares, Acquired	(62)	(62)
Treasury Stock, Value, Acquired, Cost Method	$ (4)					4
Other Comprehensive Income (Loss), Net of Tax	(4,846)				(4,846)
Net Income (Loss) Available to Common Stockholders, Basic	$ (12,914)			(12,914)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2022	40,873,362	40,873,362
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2022	$ 305,738	$ 0	$ 490,566	$ (162,277)	$ (6,017)	$ (16,534)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Statement of Cash Flows [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic	$ (35,387)	$ (28,488)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation, Depletion and Amortization	8,024	9,195
Share-based Payment Arrangement, Noncash Expense	24,826	21,418
Other Operating Income (Expense), Net	28	(931)
Increase (Decrease) in Operating Assets [Abstract]
Increase (Decrease) in Accounts Receivable	(58,948)	(58,773)
Increase (Decrease) in Prepaid Expense and Other Assets	(4,420)	(1,922)
Increase (Decrease) in Accounts Payable and Accrued Liabilities	748	4,353
Increase (Decrease) in Claims Reserve and Loss Adjustment	63	9,854
Increase (Decrease) in Unearned Premiums	56,047	47,596
Net Cash Provided by (Used in) Operating Activities	(9,019)	2,302
Net Cash Provided by (Used in) Investing Activities [Abstract]
Payments to Acquire Held-to-maturity Securities	(125,660)	(62,288)
Maturities of Investment Securities	104,492	39,066
Payments to Acquire Businesses, Net of Cash Acquired	(2,755)	0
Payments to Acquire Property, Plant, and Equipment	(11,610)	(8,537)
Payments for (Proceeds from) Other Investing Activities	(1,431)	(48)
Net Cash Provided by (Used in) Investing Activities	(36,964)	(31,807)
Net Cash Provided by (Used in) Financing Activities [Abstract]
Proceeds from Issuance of Debt	54,312	0
Repayments of Debt	(300)	0
Payments for Repurchase of Common Stock	(5,755)	0
Proceeds from Stock Options Exercised	1,584	3,056
Payment, Tax Withholding, Share-based Payment Arrangement	(3,780)	(3,730)
Net Cash Provided by (Used in) Financing Activities	46,061	(674)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	(1,964)	(53)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	(1,886)	(30,232)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	100,869	146,197
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	98,983	115,965
Supplemental Cash Flow Information [Abstract]
Capital Expenditures Incurred but Not yet Paid	$ 1,838	$ 537

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	9 Months Ended
	Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations and Summary of Significant Accounting Policies [Text Block]	Nature of Operations and Significant Accounting Policies Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Europe, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics. The financial data as of December 31, 2021 was derived from the Company's audited consolidated financial statements. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) and, in management's opinion, have been prepared on the same basis as the audited financial statements and include all adjustments, consisting of normal recurring adjustments, necessary for the fair presentation of the Company's financial position, results of operations, comprehensive income (loss), stockholders' equity and cash flows for the interim periods. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s audited financial statements included in the Company’s Annual Report on Form 10-K, filed with the U.S. Securities and Exchange Commission (SEC) on February 17, 2022 (the 2021 10-K). The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three and nine months ended September 30, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period. Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from such estimates. See Note 1 to the audited financial statements included in the 2021 10-K for additional discussion of these estimates and assumptions.

Earnings Per Share (Notes)

Earnings Per Share (Notes)	9 Months Ended
Earnings Per Share (Notes)	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	Net Income (Loss) per Share Basic net income (loss) per share is computed using the weighted average number of shares of common stock outstanding during the period. Diluted net income (loss) per share is calculated using the weighted average number of shares of common stock plus, when dilutive, potential shares of common stock outstanding using the treasury-stock method. Potential shares of common stock outstanding include stock options and restricted stock units. The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Stock options 679,889 843,452 679,889 843,452 Restricted stock units 1,167,569 1,138,709 1,167,569 1,138,709

Investment Securities (Notes)

Investment Securities (Notes) - USD ($) $ in Thousands	9 Months Ended
Investment Securities (Notes) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Investments [Abstract]
Investment [Text Block]	Investments The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of September 30, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of September 30, 2022 Long-term investments: Available-for-Sale Investments Mortgage-backed securities and collateralized mortgage obligations $ 4,121 $ — $ (92) $ 4,029 Other asset-backed securities 4,928 — (65) 4,863 Corporate bonds 19,960 — (437) 19,523 Foreign deposits 6,862 — — 6,862 Municipal bond 1,000 — (5) 995 US Treasury securities 19,124 — (277) 18,847 $ 55,995 $ — $ (876) $ 55,119 Short-term investments: Available-for-Sale Investments US Treasury securities $ 993 $ — $ (9) $ 984 Corporate bonds 388 — (4) 384 $ 1,381 $ — $ (13) $ 1,368 Held-to-Maturity Investments U.S. Treasury securities $ 9,440 $ — $ (88) $ 9,352 Certificates of deposit 3,209 — — 3,209 U.S. government funds 83,421 — — 83,421 $ 96,070 $ — $ (88) $ 95,982 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Available-for-Sale Investments Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: Held-to-Maturity Investments U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003 Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of September 30, 2022 Amortized Fair Available-for-sale: Due under one year $ 1,381 $ 1,368 Due after one year through five years 55,995 55,119 $ 57,376 $ 56,487 Held-to-maturity: Due under one year $ 96,070 $ 95,982 $ 96,070 $ 95,982 The Company does not expect any credit losses from its held-to-maturity investments, considering the composition of the investment portfolio and the credit loss history of these investments. For available-for-sale debt securities, the Company determined that there were $0.9 million of unrealized losses and nil for the nine months ended September 30, 2022 and 2021, respectively. The Company does not expect any credit losses from its available-for-sale debt securities, considering the composition of the investment portfolio and the credit rating of these investments. For those securities, the Company determined it is not likely to, and did not intend to, sell prior to a potential recovery.
Maturities of Investment Securities	$ 104,492	$ 39,066

Other Investments (Notes)

Other Investments (Notes)	9 Months Ended
Other Investments (Notes)	Sep. 30, 2022
Investments, All Other Investments [Abstract]
Investments and Other Noncurrent Assets [Text Block]	Other InvestmentsThe Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $5.6 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $6.2 million and $4.5 million as of September 30, 2022 and December 31, 2021, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.6 million of these services for the nine months ended September 30, 2022 and 2021.

Fair Value (Notes)

Fair Value (Notes)	9 Months Ended
Fair Value (Notes)	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Fair Value Investments The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of September 30, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 43,443 $ 43,443 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 4,029 — 4,029 — Other asset-backed securities 4,863 — 4,863 — Corporate bonds 19,907 — 19,907 — Foreign deposits 6,862 6,862 — — Municipal bond 995 — 995 — US Treasury securities 19,831 — 19,831 — Preferred stock in variable interest entity 8,442 — — 8,442 Total $ 108,372 $ 50,305 $ 49,625 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 32,255 $ 32,255 $ — $ — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred stock in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442 The Company measures the fair value of money market funds and foreign deposits based on quoted prices in active markets for identical assets. Our fixed maturity investments classified as either Level 1 or Level 2 in the above tables are priced exclusively by external sources, including pricing vendors, dealers/market makers, and exchange-quoted prices. The fair value of the municipal bond is based on either recent trades in inactive markets or quoted market prices of similar instruments and other significant inputs derived from or corroborated by observable market data. Held-to-maturity investments are carried at amortized cost, and the fair value and changes in unrealized gains (losses) are disclosed in Note 3, Investments. The fair value of these investments is determined in the same manner as available-for-sale securities and considered either a Level 1 or Level 2 measurement. The Company's preferred stock investment in the variable interest entity (see Note 4) is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date. The estimated fair value of the preferred stock investment is a Level 3 measurement and is based on certain unobservable inputs such as the value of the underlying enterprise, volatility, time to liquidity, and market interest rates. An increase or decrease in any of these unobservable inputs would result in a change in the fair value measurement. Estimated fair value was $8.4 million as of September 30, 2022, unchanged from December 31, 2021, recorded in other long-term assets on the Company's consolidated balance sheet. Fair Value Disclosures The Company's other long-term assets balance included notes receivable of $9.2 million and $7.6 million as of September 30, 2022 and December 31, 2021, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the nine months ended September 30, 2022. The Company estimates the fair value of long-term debt based upon rates currently available to the Company for debt with similar terms and remaining maturities. This is a Level 3 measurement. Based upon the terms of the debt, the carrying amount of long-term debt approximated fair value at September 30, 2022. The Company recognizes transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the nine months ended September 30, 2022 and the year ended December 31, 2021.

Business Combinations and Asset

Business Combinations and Asset Acquisitions (Notes)	9 Months Ended
Business Combinations and Asset Acquisitions (Notes)	Sep. 30, 2022
Business Combination and Asset Acquisition [Abstract]
Business Combination Disclosure [Text Block]	Business Combinations On August 31, 2022, the Company completed an acquisition of 100% of the equity of Smart Paws GmbH (Smart Paws), a pet insurance provider 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 $0.2 million of acquisition related costs that were included in general and administrative expenses during the three and nine months ended September 30, 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 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.

Intangible Assets, Goodwill and

Intangible Assets, Goodwill and Other (Notes)	9 Months Ended
Intangible Assets, Goodwill and Other (Notes)	Sep. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill Disclosure [Text Block]	Goodwill The following is a summary of goodwill by reportable segment for the nine months ended September 30, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Acquisitions 2,618 — 2,618 Effects of foreign currency (5,801) — (5,801) Balance as of September 30, 2022 $ 29,526 $ — $ 29,526

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	9 Months Ended
Commitment and Contingencies (Notes)	Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	Commitments and ContingenciesFrom time to time, the Company is or may become subject to various legal proceedings arising in the ordinary course of business, including proceedings against members, other entities or regulatory bodies. Estimated liabilities are recorded when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. At this time, the Company does not believe any such matters to be material individually or in the aggregate. These views are subject to change following the outcome of future events or the results of future developments.

Claims Reserve (Notes)

Claims Reserve (Notes)	9 Months Ended
Claims Reserve (Notes)	Sep. 30, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Disclosure [Text Block]	Reserve for Veterinary Invoices The reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense. Reserve for veterinary invoices Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Nine Months Ended September 30, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 323,724 262,721 Prior years (2,981) (1,116) Total veterinary invoice expense 320,743 261,605 Amounts paid during the period related to: Current year 301,730 240,488 Prior years 17,814 15,412 Total paid 319,544 255,900 Non-cash expenses 3,295 3,830 Reserve at end of period $ 20,311 $ 21,800 The Company's reserve for the subscription business segment decreased $2.1 million from $22.4 million at December 31, 2021 to $20.3 million at September 30, 2022. This change was primarily comprised of $320.7 million in expense recorded during the period less $319.5 million in payments of veterinary invoices. The $320.7 million in veterinary invoice expense incurred included a reduction of $3.0 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the nine months ended September 30, 2021, the Company's adjustment to prior year reserves was a reduction of $1.1 million as a result of analysis of payment trends. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Nine Months Ended September 30, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 152,358 91,912 Prior years 553 (307) Total veterinary invoice expense 152,911 91,605 Amounts paid during the period related to: Current year 133,333 75,062 Prior years 17,611 8,597 Total paid 150,944 83,659 Non-cash expenses — — Reserve at end of period $ 19,231 $ 16,950 The Company’s reserve for the other business segment increased $2.0 million from $17.3 million at December 31, 2021 to $19.2 million at September 30, 2022. This change was comprised of $152.9 million in expense recorded during the period less $150.9 million in payments of veterinary invoices. The $152.9 million in veterinary invoice expense incurred included an increase of $0.6 million to the reserves relating to prior years, which was the result of ongoing analysis of recent payment trends. For the nine months ended September 30, 2021, the Company's adjustment to decrease prior year reserves was $0.3 million as a result of analysis of payment trends. Reserve for veterinary invoices, by year of occurrence In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of September 30, 2022 Year of Occurrence 2020 and prior $ 35 2021 1,577 2022 18,699 $ 20,311 Other Business As of September 30, 2022 Year of Occurrence 2020 and prior $ 3 2021 203 2022 19,025 $ 19,231

Debt (Notes)

Debt (Notes)	9 Months Ended
Debt (Notes)	Sep. 30, 2022
Debt Disclosure [Abstract]
Long-term Debt [Text Block]	Debt On March 25, 2022, the Company entered into a credit agreement that provides the Company with $150.0 million in credit (the Credit Facility) consisting of: (a) an initial term loan in an aggregate principal amount of $60.0 million (Initial Term Loan), which was funded at closing; (b) commitments for delayed draw term loans in an aggregate principal amount not in excess of $75.0 million (Delayed Draw Term Loans, and together with the Initial Term Loan, the Term Loans), which may be drawn from time to time until September 25, 2023; and (c) commitments for revolving loans in an aggregate principal amount at any time outstanding not in excess of $15.0 million (Revolving Loans), which may be drawn at any time prior to March 25, 2027. The Credit Facility bears interest at a floating base rate plus an applicable margin. The interest rate as of September 30, 2022 was approximately 7.20%. The Company incurred total debt issuance cost of approximately $5.8 million at closing, which is reported in the Consolidated Balance Sheet as a direct 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 September 30, 2022, the Company was in compliance with all financial and non-financial covenants . To the extent not previously paid, the Initial Term Loan is due and payable on March 25, 2027, the Delayed Draw Term Loans are due and payable on the earlier of the five-year anniversary of their initial funding or March 25, 2028, and Revolving Loans are due and payable on March 25, 2027. The Company must repay 0.25% of any then-outstanding Term Loans, together with accrued and unpaid interest, on a quarterly basis. Future principal payments on outstanding borrowings as of September 30, 2022 are as follows (in thousands): Year Ending December 31, September 30, 2022 2022 $ 150 2023 600 2024 600 2025 600 2026 600 Thereafter 57,150 Total $ 59,700

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	9 Months Ended
Stock-based Compensation (Notes)	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Stock-Based Compensation Stock-based compensation expense includes stock options and restricted stock units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Veterinary invoice expense $ 998 $ 769 $ 3,232 $ 3,740 Other cost of revenue 474 542 1,906 2,029 Technology and development 1,184 749 3,193 2,213 General and administrative 3,792 2,271 9,281 6,412 New pet acquisition expense 2,195 2,112 7,214 7,024 Total expensed stock-based compensation 8,643 6,443 24,826 21,418 Capitalized stock-based compensation 542 170 1,144 463 Total stock-based compensation $ 9,185 $ 6,613 $ 25,970 $ 21,881 As of September 30, 2022, the Company had 1,167,569 unvested restricted stock units. Stock-based compensation expenses of $89.1 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.7 years. Stock Options A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (124,752) 12.73 8,933 Forfeited (2,564) 19.28 — Outstanding as of September 30, 2022 679,889 13.49 31,233 Exercisable as of September 30, 2022 679,889 $ 13.49 $ 31,233 As of September 30, 2022, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 3.6 years. Restricted Stock Units A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 563,527 87.05 Vested (415,502) 73.54 Forfeited (68,083) 81.72 Unvested shares as of September 30, 2022 1,167,569 $ 84.61

Stockholders' Equity (Notes)

Stockholders' Equity (Notes)	9 Months Ended
Stockholders' Equity (Notes)	Sep. 30, 2022
Stockholders' Equity Attributable to Parent [Abstract]
Stockholders' Equity Note Disclosure [Text Block]	Stockholders' Equity Common Stock and Preferred Stock As of September 30, 2022, the Company had 100,000,000 shares of common stock authorized and 40,873,362 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 September 30, 2022, the Company had 10,000,000 shares of undesignated preferred stock authorized for future issuance and did not have any outstanding shares of preferred stock. The holders of common stock are also entitled to receive dividends as and when declared by the board of directors of the Company (the Board), whenever funds are legally available. These rights are subordinate to the dividend rights of holders of any senior classes of stock outstanding at the time. The Company does not intend to declare or pay any cash dividends in the foreseeable future. Share Repurchase Program In April 2021, the Board approved a share repurchase program, pursuant to which the Company may, between May 2021 and May 2026, repurchase outstanding shares of the Company’s common stock. The Company repurchased 62 and 95,021 shares during the three and nine months ended September 30, 2022, respectively. The Company did not repurchase any shares under this program during the three and nine months ended September 30, 2021.

Comprehensive Income (Loss) (No

Comprehensive Income (Loss) (Notes)	9 Months Ended
Comprehensive Income (Loss) (Notes)	Sep. 30, 2022
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent, Alternative [Abstract]
Comprehensive Income (Loss) Note [Text Block]	Accumulated Comprehensive Income (Loss) A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): For the three months ended September 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) Other comprehensive income (loss) (3,946) (900) (4,846) Balance as of September 30, 2022 $ (6,569) $ 552 $ (6,017) For the three months ended September 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of June 30, 2021 $ 3,112 $ 951 $ 4,063 Other comprehensive income (loss) (1,800) (2) (1,802) Balance as of September 30, 2021 $ 1,312 $ 949 $ 2,261 For the nine months ended September 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (8,193) (901) (9,094) Balance as of September 30, 2022 $ (6,569) $ 552 $ (6,017) For the nine months ended September 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) (808) (2) (810) Balance as of September 30, 2021 $ 1,312 $ 949 $ 2,261

Segments (Notes)

Segments (Notes)	9 Months Ended
Segments (Notes)	Sep. 30, 2022
Segment Reporting [Abstract]
Segment Reporting Disclosure [Text Block]	Segments The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets. Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Subscription business: Revenue $ 152,401 $ 127,077 $ 438,048 $ 360,742 Veterinary invoice expense 112,915 90,626 320,743 261,605 Other cost of revenue 15,243 13,128 45,118 37,432 Technology and development 4,272 3,072 12,072 8,723 General and administrative 6,724 5,768 19,214 16,372 New pet acquisition expense 22,253 19,574 66,567 58,378 Depreciation and amortization 1,695 2,059 5,338 6,583 Subscription business operating loss (10,701) (7,150) (31,004) (28,351) Other business: Revenue 81,359 54,590 221,122 143,870 Veterinary invoice expense 58,197 34,432 152,911 91,605 Other cost of revenue 17,346 15,315 51,862 40,159 Technology and development 2,281 1,319 6,106 3,478 General and administrative 3,590 2,478 9,693 6,525 New pet acquisition expense 181 134 476 424 Depreciation and amortization 905 885 2,686 2,612 Other business operating income (loss) (1,141) 27 (2,612) (933) Gain (loss) from investment in joint venture (57) (69) (168) (149) Total operating loss $ (11,899) $ (7,192) $ (33,784) $ (29,433) The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 United States $ 197,812 $ 151,457 $ 555,350 $ 418,343 Canada and other 35,948 30,211 103,820 86,269 Total revenue $ 233,760 $ 181,667 $ 659,170 $ 504,612 Substantially all of the Company’s long-lived assets were located in the United States as of September 30, 2022 and December 31, 2021.

Related Parties (Notes)

Related Parties (Notes)	9 Months Ended
Related Parties (Notes)	Sep. 30, 2022
Related Party Transactions [Abstract]
Related Party Transactions Disclosure [Text Block]	Related PartiesIn August 2018, the Company invested $0.3 million in a limited liability entity in exchange for a 17.5% ownership interest. The investee is considered to be a related party, as the Company has the ability to exercise significant influence over the investee. In February 2020, the Company entered into a service agreement with the investee, under which the Company incurred $2.5 million and $2.3 million of expenses for consulting services provided by the investee related to pet acquisition during the nine months ended September 30, 2022 and 2021, respectively, recorded as new pet acquisition expense on the Company's consolidated statement of operations.

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business Description and Basis of Presentation [Text Block]	Description of Business and Basis of Presentation Trupanion, Inc. (collectively with its wholly-owned subsidiaries, the "Company") provides medical insurance for cats and dogs throughout the United States, Canada, Europe, Puerto Rico, and Australia. The Company's data-driven, vertically-integrated approach enables the Company to provide pet owners with products that the Company believes are the highest value medical insurance, priced specifically for each pet’s unique characteristics.
Basis of Accounting, Policy [Policy Text Block]	The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2021 10-K. Operating results for the three and nine months ended September 30, 2022 are not necessarily indicative of the results that may be expected for the full fiscal year or any other interim period.
Use of Estimates [Policy Text Block]	Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from such estimates. See Note 1 to the audited financial statements included in the 2021 10-K for additional discussion of these estimates and assumptions.

Other Investments (Policies)

Other Investments (Policies)	9 Months Ended
Other Investments (Policies)	Sep. 30, 2022
Investments, All Other Investments [Abstract]
Consolidation, Variable Interest Entity, Policy [Policy Text Block]	The Company has invested $7.0 million in preferred stock of a variable interest entity, Baystride, Inc., a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the variable interest entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common shares issued by the variable interest entity in 2023 at an amount approximating its expected fair value. The preferred stock investment in the variable interest entity is accounted for as an available-for-sale debt security and measured at fair value at each balance sheet date.Additionally, the Company has extended a $5.6 million revolving line of credit to the variable interest entity to fund its inventory purchases. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $6.2 million and $4.5 million as of September 30, 2022 and December 31, 2021, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, the variable interest entity at cost. The Company provided $0.6 million of these services for the nine months ended September 30, 2022 and 2021.

Fair Value (Policies)

Fair Value (Policies)	9 Months Ended
Fair Value (Policies)	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurement, Policy [Policy Text Block]	The Company's other long-term assets balance included notes receivable of $9.2 million and $7.6 million as of September 30, 2022 and December 31, 2021, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy and is based on market interest rates and the assessed creditworthiness of the third party. There was no significant activity in Level 3 of the hierarchy during the nine months ended September 30, 2022. The Company estimates the fair value of long-term debt based upon rates currently available to the Company for debt with similar terms and remaining maturities. This is a Level 3 measurement. Based upon the terms of the debt, the carrying amount of long-term debt approximated fair value at September 30, 2022. The Company recognizes transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the nine months ended September 30, 2022 and the year ended December 31, 2021.

Claims Reserve (Policies)

Claims Reserve (Policies)	9 Months Ended
Claims Reserve (Policies)	Sep. 30, 2022
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Liability Reserve Estimate, Policy [Policy Text Block]	The reserve for veterinary invoices is an estimate of the future amount the Company will pay for veterinary invoices that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense.

Segments (Policies)

Segments (Policies)	9 Months Ended
Segments (Policies)	Sep. 30, 2022
Segment Reporting [Abstract]
Segment Reporting, Policy [Policy Text Block]	The Company has two reporting segments: subscription business and other business. The subscription business segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products, while the other business segment is comprised of revenue from other product offerings that generally have a business-to-business relationship and a different margin profile than our subscription business segment, including revenue from writing policies on behalf of third parties and revenue from other products and software solutions. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2022
Earnings Per Share [Abstract]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The following potentially dilutive equity securities were not included in the diluted earnings per share of common stock calculation because they would have had an antidilutive effect: Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Stock options 679,889 843,452 679,889 843,452 Restricted stock units 1,167,569 1,138,709 1,167,569 1,138,709

Investment Securities Available

Investment Securities Available-for-Sale (Tables)	9 Months Ended
Investment Securities Available-for-Sale (Tables)	Sep. 30, 2022
Investments [Abstract]
Unrealized Gain (Loss) on Investments [Table Text Block]	The amortized cost, gross unrealized holding gains and losses, and estimates of fair value of long-term and short-term investments by major security type and class of security were as follows as of September 30, 2022 and December 31, 2021 (in thousands): Amortized Gross Gross Fair As of September 30, 2022 Long-term investments: Available-for-Sale Investments Mortgage-backed securities and collateralized mortgage obligations $ 4,121 $ — $ (92) $ 4,029 Other asset-backed securities 4,928 — (65) 4,863 Corporate bonds 19,960 — (437) 19,523 Foreign deposits 6,862 — — 6,862 Municipal bond 1,000 — (5) 995 US Treasury securities 19,124 — (277) 18,847 $ 55,995 $ — $ (876) $ 55,119 Short-term investments: Available-for-Sale Investments US Treasury securities $ 993 $ — $ (9) $ 984 Corporate bonds 388 — (4) 384 $ 1,381 $ — $ (13) $ 1,368 Held-to-Maturity Investments U.S. Treasury securities $ 9,440 $ — $ (88) $ 9,352 Certificates of deposit 3,209 — — 3,209 U.S. government funds 83,421 — — 83,421 $ 96,070 $ — $ (88) $ 95,982 Amortized Gross Gross Fair As of December 31, 2021 Long-term investments: Available-for-Sale Investments Foreign deposits $ 6,050 $ — $ — $ 6,050 Municipal bond 1,000 11 — 1,011 $ 7,050 $ 11 $ — $ 7,061 Short-term investments: Held-to-Maturity Investments U.S. Treasury securities $ 8,671 $ — $ (9) $ 8,662 Certificates of deposit 3,295 — — 3,295 U.S. government funds 114,046 — — 114,046 $ 126,012 $ — $ (9) $ 126,003
Debt Securities, Available-for-sale [Table Text Block]	Maturities of debt securities classified as available-for-sale were as follows (in thousands): As of September 30, 2022 Amortized Fair Available-for-sale: Due under one year $ 1,381 $ 1,368 Due after one year through five years 55,995 55,119 $ 57,376 $ 56,487 Held-to-maturity: Due under one year $ 96,070 $ 95,982 $ 96,070 $ 95,982

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
Fair Value (Tables)	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	The following tables summarize, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of September 30, 2022 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 43,443 $ 43,443 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 4,029 — 4,029 — Other asset-backed securities 4,863 — 4,863 — Corporate bonds 19,907 — 19,907 — Foreign deposits 6,862 6,862 — — Municipal bond 995 — 995 — US Treasury securities 19,831 — 19,831 — Preferred stock in variable interest entity 8,442 — — 8,442 Total $ 108,372 $ 50,305 $ 49,625 $ 8,442 As of December 31, 2021 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 32,255 $ 32,255 $ — $ — Fixed maturities: Foreign deposits 6,050 6,050 — — Municipal bond 1,011 — 1,011 — Preferred stock in variable interest entity 8,442 — — 8,442 Total $ 47,758 $ 38,305 $ 1,011 $ 8,442

Intangible Assets, Goodwill a_2

Intangible Assets, Goodwill and Other (Tables)	9 Months Ended
Intangible Assets, Goodwill and Other (Tables)	Sep. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill [Table Text Block]	The following is a summary of goodwill by reportable segment for the nine months ended September 30, 2022 (in thousands): Subscription Business Other Business Total Balance as of December 31, 2021 $ 32,709 $ — $ 32,709 Acquisitions 2,618 — 2,618 Effects of foreign currency (5,801) — (5,801) Balance as of September 30, 2022 $ 29,526 $ — $ 29,526

Claims Reserve (Tables)

Claims Reserve (Tables)	9 Months Ended
Claims Reserve (Tables)	Sep. 30, 2022
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Short-duration Insurance Contracts, Claims Development [Table Text Block]	In the following tables, the reserve for veterinary invoices for each segment is presented as the amount (in thousands) by the year to which the veterinary invoice relates, referred to as the year of occurrence. Subscription As of September 30, 2022 Year of Occurrence 2020 and prior $ 35 2021 1,577 2022 18,699 $ 20,311 Other Business As of September 30, 2022 Year of Occurrence 2020 and prior $ 3 2021 203 2022 19,025 $ 19,231
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Nine Months Ended September 30, Subscription 2022 2021 Reserve at beginning of year $ 22,407 $ 19,925 Veterinary invoices during the period related to: Current year 323,724 262,721 Prior years (2,981) (1,116) Total veterinary invoice expense 320,743 261,605 Amounts paid during the period related to: Current year 301,730 240,488 Prior years 17,814 15,412 Total paid 319,544 255,900 Non-cash expenses 3,295 3,830 Reserve at end of period $ 20,311 $ 21,800
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	Summarized below are the changes in total liability for the Company's other business segment (in thousands): Nine Months Ended September 30, Other Business 2022 2021 Reserve at beginning of year $ 17,264 $ 9,004 Veterinary invoices during the period related to: Current year 152,358 91,912 Prior years 553 (307) Total veterinary invoice expense 152,911 91,605 Amounts paid during the period related to: Current year 133,333 75,062 Prior years 17,611 8,597 Total paid 150,944 83,659 Non-cash expenses — — Reserve at end of period $ 19,231 $ 16,950

Debt (Tables)

Debt (Tables)	9 Months Ended
Debt (Tables)	Sep. 30, 2022
Debt Disclosure [Abstract]
Schedule of Maturities of Long-term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of September 30, 2022 are as follows (in thousands): Year Ending December 31, September 30, 2022 2022 $ 150 2023 600 2024 600 2025 600 2026 600 Thereafter 57,150 Total $ 59,700

Stock-based Compensation (Table

Stock-based Compensation (Tables)	9 Months Ended
Stock-based Compensation (Tables)	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Table Text Block]	Stock-based compensation expense includes stock options and restricted stock units granted to employees and other service providers and has been reported in the Company’s consolidated statements of operations depending on the function performed by the employee or other service provider. Stock-based compensation expense recognized in each category of the consolidated statements of operations was as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Veterinary invoice expense $ 998 $ 769 $ 3,232 $ 3,740 Other cost of revenue 474 542 1,906 2,029 Technology and development 1,184 749 3,193 2,213 General and administrative 3,792 2,271 9,281 6,412 New pet acquisition expense 2,195 2,112 7,214 7,024 Total expensed stock-based compensation 8,643 6,443 24,826 21,418 Capitalized stock-based compensation 542 170 1,144 463 Total stock-based compensation $ 9,185 $ 6,613 $ 25,970 $ 21,881
Share-based Compensation, Stock Options, Activity [Table Text Block]	A summary of the Company's stock option activity is as follows: Number of Options Weighted Average Exercise Price per Share Aggregate Intrinsic Value (in thousands) Outstanding as of December 31, 2021 807,205 $ 13.39 $ 95,765 Granted — — — Exercised (124,752) 12.73 8,933 Forfeited (2,564) 19.28 — Outstanding as of September 30, 2022 679,889 13.49 31,233 Exercisable as of September 30, 2022 679,889 $ 13.49 $ 31,233
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity [Table Text Block]	A summary of the Company’s restricted stock unit activity is as follows: Number of Weighted Average Unvested shares as of December 31, 2021 1,087,627 $ 78.94 Granted 563,527 87.05 Vested (415,502) 73.54 Forfeited (68,083) 81.72 Unvested shares as of September 30, 2022 1,167,569 $ 84.61

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	9 Months Ended
Comprehensive Income (Loss) (Tables)	Sep. 30, 2022
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent, Alternative [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	A summary of the components of accumulated other comprehensive income (loss) is as follows (in thousands): For the three months ended September 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of June 30, 2022 $ (2,623) $ 1,452 $ (1,171) Other comprehensive income (loss) (3,946) (900) (4,846) Balance as of September 30, 2022 $ (6,569) $ 552 $ (6,017) For the three months ended September 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of June 30, 2021 $ 3,112 $ 951 $ 4,063 Other comprehensive income (loss) (1,800) (2) (1,802) Balance as of September 30, 2021 $ 1,312 $ 949 $ 2,261 For the nine months ended September 30, 2022 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2021 $ 1,624 $ 1,453 $ 3,077 Other comprehensive income (loss) (8,193) (901) (9,094) Balance as of September 30, 2022 $ (6,569) $ 552 $ (6,017) For the nine months ended September 30, 2021 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of December 31, 2020 $ 2,120 $ 951 $ 3,071 Other comprehensive income (loss) (808) (2) (810) Balance as of September 30, 2021 $ 1,312 $ 949 $ 2,261

Segments (Tables)

Segments (Tables)	9 Months Ended
Segments (Tables)	Sep. 30, 2022
Segment Reporting [Abstract]
Revenue and Gross Profit from Segments [Table Text Block]	Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Subscription business: Revenue $ 152,401 $ 127,077 $ 438,048 $ 360,742 Veterinary invoice expense 112,915 90,626 320,743 261,605 Other cost of revenue 15,243 13,128 45,118 37,432 Technology and development 4,272 3,072 12,072 8,723 General and administrative 6,724 5,768 19,214 16,372 New pet acquisition expense 22,253 19,574 66,567 58,378 Depreciation and amortization 1,695 2,059 5,338 6,583 Subscription business operating loss (10,701) (7,150) (31,004) (28,351) Other business: Revenue 81,359 54,590 221,122 143,870 Veterinary invoice expense 58,197 34,432 152,911 91,605 Other cost of revenue 17,346 15,315 51,862 40,159 Technology and development 2,281 1,319 6,106 3,478 General and administrative 3,590 2,478 9,693 6,525 New pet acquisition expense 181 134 476 424 Depreciation and amortization 905 885 2,686 2,612 Other business operating income (loss) (1,141) 27 (2,612) (933) Gain (loss) from investment in joint venture (57) (69) (168) (149) Total operating loss $ (11,899) $ (7,192) $ (33,784) $ (29,433)
Revenue from External Customers by Geographic Areas [Table Text Block]	The following table presents the Company’s revenue by geographic region of the member (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 United States $ 197,812 $ 151,457 $ 555,350 $ 418,343 Canada and other 35,948 30,211 103,820 86,269 Total revenue $ 233,760 $ 181,667 $ 659,170 $ 504,612

Net Loss per Share (Details) Sc

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	679,889	843,452	679,889	843,452
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,167,569	1,138,709	1,167,569	1,138,709

Investment Securities (Details)

Investment Securities (Details) - Investment Schedule - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	$ 0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(876,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	56,487,000	$ 7,061,000
Debt Securities, Held-to-maturity	96,070,000	126,012,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(88,000)	(9,000)
Debt Securities, Held-to-maturity, Fair Value	95,982,000	126,003,000
Debt Securities, Available-for-Sale, Amortized Cost	55,995,000	7,050,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	11,000
Debt Securities, Available-for-Sale, Unrealized Loss Position	900,000	0	$ 0
Collateralized Mortgage-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	4,121,000
Asset-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	4,928,000
Corporate Bond Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	19,960,000
Deposits [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	6,862,000	6,050,000
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	1,000,000	1,000,000
US Treasury and Government
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	19,124,000
Short-term US Treasury and Government Member [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	993,000
Short-term Corporate Bond Securities Member [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	388,000
Total Short-Term Available-for-Sale [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost	1,381,000
Deposits [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,862,000	6,050,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	0
Debt Securities, Available-for-Sale, Unrealized Loss Position		0
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(5,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	995,000	1,011,000
Debt Securities, Available-for-Sale, Unrealized Gain	0	11,000
Debt Securities, Available-for-Sale, Unrealized Loss Position		0
US Treasury Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	9,440,000	8,671,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(88,000)	(9,000)
Debt Securities, Held-to-maturity, Fair Value	9,352,000	8,662,000
Certificates of Deposit [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	3,209,000	3,295,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	3,209,000	3,295,000
US Government Debt Securities [Member]
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	83,421,000	114,046,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	83,421,000	$ 114,046,000
Short-term US Treasury and Government Member [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(9,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	984,000
Short-term Corporate Bond Securities Member [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(4,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	384,000
US Treasury and Government
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(277,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	18,847,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Corporate Bond Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(437,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,523,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Asset-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(65,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,863,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Collateralized Mortgage-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(92,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,029,000
Debt Securities, Available-for-Sale, Unrealized Gain	0
Total Short-Term Available-for-Sale [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(13,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	1,368,000
Total Long-Term Available-for-Sale Investments [Domain]
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 55,119,000

Investment Securities (Detail_2

Investment Securities (Details) - Available-for-Sale - USD ($)	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Debt Securities, Available-for-Sale [Abstract]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 55,995,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	55,119,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	57,376,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	56,487,000		$ 7,061,000
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value	95,982,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date	96,070,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	1,368,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	1,381,000
Proceeds from Sale of Debt Securities, Available-for-Sale	$ 5,900,000	$ 0

Other Investments (Details)

Other Investments (Details) - USD ($) $ in Millions	9 Months Ended
Other Investments (Details) - USD ($) $ in Millions	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021	Dec. 31, 2019
Investments, All Other Investments [Abstract]
Purchase of Equity Interest				$ 7
Financing Receivable, Revolving	$ 5.6
Financing Receivable, after Allowance for Credit Loss	6.2		$ 4.5
Services performed for Variable Interest Entity	$ 0.6	$ 0.6

Fair Value (Details) - Investme

Fair Value (Details) - Investments Schedule - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 56,487,000	$ 7,061,000
Noncontrolling Interest in Variable Interest Entity	8,442,000	8,442,000
Assets, Fair Value Disclosure	108,372,000	47,758,000
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	50,305,000	38,305,000
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	49,625,000	1,011,000
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	8,442,000	8,442,000
Assets, Fair Value Disclosure	8,442,000	8,442,000
Money Market Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	43,443,000	32,255,000
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	43,443,000	32,255,000
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
Deposits [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,862,000	6,050,000
Deposits [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	6,862,000	6,050,000
Deposits [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Deposits [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	995,000	1,011,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	995,000	1,011,000
Municipal Bonds [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0	0
Municipal Bonds [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	995,000	1,011,000
Municipal Bonds [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0	$ 0
Collateralized Mortgage-Backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,029,000
Collateralized Mortgage-Backed Securities \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Collateralized Mortgage-Backed Securities \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,029,000
Collateralized Mortgage-Backed Securities \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Asset-Backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,863,000
Asset-Backed Securities \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Asset-Backed Securities \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	4,863,000
Asset-Backed Securities \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Corporate Bond Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,523,000
US Treasury and Government
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	18,847,000
Total Corporate Bond Securities Member LT and ST [Domain]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,907,000
Total Corporate Bond Securities Member LT and ST [Domain] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Total Corporate Bond Securities Member LT and ST [Domain] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,907,000
Total Corporate Bond Securities Member LT and ST [Domain] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Total US Treasury LT and ST Member [Domain]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,831,000
Total US Treasury LT and ST Member [Domain] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	0
Total US Treasury LT and ST Member [Domain] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	19,831,000
Total US Treasury LT and ST Member [Domain] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	$ 0

Fair Value (Details) - Narrativ

Fair Value (Details) - Narrative - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 8,442,000	$ 8,442,000
Notes Receivable, Fair Value Disclosure	$ 9,200,000	$ 7,600,000

Business Combinations and Ass_2

Business Combinations and Asset Acquisitions (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Sep. 30, 2021
Business Acquisition [Line Items]
Payments to Acquire Businesses, Net of Cash Acquired		$ 2,755,000	$ 0
Goodwill, Acquired During Period	$ 2,600,000	2,618,000
Smart Paws Acquisition [Member]
Business Acquisition [Line Items]
Payments to Acquire Businesses, Net of Cash Acquired		2,800,000
Business Combination, Acquisition Related Costs		$ 200,000
Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life		5 years
Finite-Lived Intangible Assets Acquired		$ 1,100,000

Intangible Assets, Goodwill a_3

Intangible Assets, Goodwill and Other (Details) - USD ($)	3 Months Ended	9 Months Ended
Intangible Assets, Goodwill and Other (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Goodwill [Line Items]
Goodwill	$ 29,526,000	$ 29,526,000	$ 32,709,000
Goodwill, Foreign Currency Translation Gain (Loss)		(5,801,000)
Goodwill, Acquired During Period	2,600,000	2,618,000
Goodwill, Acquired During Period	2,600,000	2,618,000
Subscription business [Member]
Goodwill [Line Items]
Goodwill	29,526,000	29,526,000	32,709,000
Goodwill, Foreign Currency Translation Gain (Loss)		(5,801,000)
Goodwill, Acquired During Period		2,618,000
Goodwill, Acquired During Period		2,618,000
Other Segments [Member]
Goodwill [Line Items]
Goodwill	$ 0	0	$ 0
Goodwill, Foreign Currency Translation Gain (Loss)		0
Goodwill, Acquired During Period		0
Goodwill, Acquired During Period		$ 0

Claims Reserve (Details) - Rese

Claims Reserve (Details) - Reserve Rollforward - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	$ 22,407	$ 19,925
Current Year Claims and Claims Adjustment Expense	323,724	262,721
Prior Year Claims and Claims Adjustment Expense	(2,981)	(1,116)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	320,743	261,605
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	301,730	240,488
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	17,814	15,412
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	319,544	255,900
Claims expense non-cash	3,295	3,830
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	20,311	21,800
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Current Year Claims and Claims Adjustment Expense	152,358	91,912
Prior Year Claims and Claims Adjustment Expense	553	(307)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	152,911	91,605
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	133,333	75,062
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	17,611	8,597
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	150,944	83,659
Claims expense non-cash	0	0
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	$ 19,231	$ 16,950

Claims Reserve (Details) - Narr

Claims Reserve (Details) - Narrative - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	$ (2,100)
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	22,407	$ 19,925
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	20,311	21,800
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	320,743	261,605
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	319,544	255,900
Prior Year Claims and Claims Adjustment Expense	(2,981)	(1,116)
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Period Increase (Decrease)	2,000
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	17,264	9,004
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	19,231	16,950
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	152,911	91,605
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	150,944	83,659
Prior Year Claims and Claims Adjustment Expense	$ 553	$ (307)

Claims Reserve (Details) - Re_2

Claims Reserve (Details) - Reserve by Year of Occurrence $ in Thousands	Sep. 30, 2022 USD ($)
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 20,311
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	19,231
Short-Duration Insurance Contract, Accident Year 2020 [Member] \| Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	35
Short-Duration Insurance Contract, Accident Year 2020 [Member] \| Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	3
Short-Duration Insurance Contract, Accident Year 2021 [Member] \| Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	1,577
Short-Duration Insurance Contract, Accident Year 2021 [Member] \| Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	203
Short-duration Insurance Contracts, Accident Year 2022 [Member] \| Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	18,699
Short-duration Insurance Contracts, Accident Year 2022 [Member] \| Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	$ 19,025

Debt (Details) - Narrative

Debt (Details) - Narrative $ in Thousands	9 Months Ended
Debt (Details) - Narrative $ in Thousands	Sep. 30, 2022 USD ($)
Line of Credit Facility [Line Items]
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of Credit Facility, Maximum Borrowing Capacity	$ 150,000
Long-term Debt	$ 60,000
Debt Instrument, Interest Rate, Stated Percentage	7.20%
Debt Issuance Costs, Gross	$ 5,800
Line of Credit Facility, Expiration Date	Mar. 25, 2027
Line of Credit Facility, Periodic Payment, Principal Percentage	0.25%
Line of Credit Facility, Frequency of Payments	quarterly
Unfunded Loan Commitment [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 75,000
Line of Credit, Date of Last Availability	Sep. 25, 2023
Line of Credit Facility, Expiration Date	Mar. 25, 2028
Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Remaining Borrowing Capacity	$ 15,000
Line of Credit, Date of Last Availability	Mar. 25, 2027
Line of Credit Facility, Expiration Date	Mar. 25, 2027

Debt (Details) - Schedule of Ma

Debt (Details) - Schedule of Maturities $ in Thousands	Sep. 30, 2022 USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 150
Long-Term Debt, Maturity, Year Two	600
Long-Term Debt, Maturity, Year Three	600
Long-Term Debt, Maturity, Year Four	600
Long-Term Debt, Maturity, Year Five	600
Long-Term Debt, Maturity, after Year Five	57,150
Long-term Line of Credit, Total	$ 59,700

Stock-based Compensation (Detai

Stock-based Compensation (Details) - Expense Category - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 8,643	$ 6,443	$ 24,826	$ 21,418
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	542	170	1,144	463
Share-based Payment Arrangement, Expensed and Capitalized, Amount	9,185	6,613	25,970	21,881
Claims Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	998	769	3,232	3,740
Other Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	474	542	1,906	2,029
Technology and Development Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	1,184	749	3,193	2,213
General and Administrative Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	3,792	2,271	9,281	6,412
Selling and Marketing Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 2,195	$ 2,112	$ 7,214	$ 7,024

Share-based Compensation (Detai

Share-based Compensation (Details) - Narrative - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,167,569	1,087,627
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 89.1
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	2 years 8 months 12 days
Equity Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	3 years 7 months 6 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	3 years 7 months 6 days

Stock-based Compensation (Det_2

Stock-based Compensation (Details) - Stock Options - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	679,889	807,205
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(124,752)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period	(2,564)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	679,889
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 13.49	$ 13.39
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	12.73
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	19.28
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	$ 13.49
Share-based Compensation Arrangement by Share-based Payment Award, Options, Aggregate Intrinsic Value [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$ 31,233	$ 95,765
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	8,933
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 31,233

Stock-based Compensation (Det_3

Stock-based Compensation (Details) - Restricted Stock Units - Restricted Stock Units (RSUs) [Member] - $ / shares	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,167,569	1,087,627
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	563,527
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(415,502)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	(68,083)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 84.61	$ 78.94
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	87.05
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	73.54
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 81.72

Stockholders' Equity (Details)

Stockholders' Equity (Details) - shares	3 Months Ended	9 Months Ended
Stockholders' Equity (Details) - shares	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Stockholders' Equity Attributable to Parent [Abstract]
Common Stock, Shares Authorized	100,000,000	100,000,000	100,000,000
Common Stock, Shares, Outstanding	40,873,362	40,873,362	40,475,185
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000
Treasury Stock, Shares, Acquired	62	95,021

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	$ 314,754	$ 334,205	$ 332,200	$ 339,939
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,946)	(1,800)	(8,193)	(808)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(900)	(2)	(901)	(2)
Other Comprehensive Income (Loss), Net of Tax	(4,846)	(1,802)	(9,094)	(810)
Stockholders' Equity Attributable to Parent, Ending Balance	305,738	331,973	305,738	331,973
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	(2,623)	3,112	1,624	2,120
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	(3,946)	(1,800)	(8,193)	(808)
Stockholders' Equity Attributable to Parent, Ending Balance	(6,569)	1,312	(6,569)	1,312
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	1,452	951	1,453	951
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	(900)	(2)	(901)	(2)
Stockholders' Equity Attributable to Parent, Ending Balance	552	949	552	949
AOCI Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	(1,171)	4,063	3,077	3,071
Other Comprehensive Income (Loss), Net of Tax	(4,846)	(1,802)	(9,094)	(810)
Stockholders' Equity Attributable to Parent, Ending Balance	$ (6,017)	$ 2,261	$ (6,017)	$ 2,261

Segments (Details) - Business S

Segments (Details) - Business Segments - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Segment Reporting Information [Line Items]
Revenues	$ 233,760	$ 181,667	$ 659,170	$ 504,612
Claims Expense	171,112	125,058	473,654	353,210
Other Cost of Services Sold	32,589	28,443	96,980	77,591
Technology and Development Expense	6,553	4,391	18,178	12,201
General and Administrative Expense	10,314	8,246	28,907	22,897
Selling and Marketing Expense	22,434	19,708	67,043	58,802
Depreciation, Depletion and Amortization	2,600	2,944	8,024	9,195
Income (Loss) from Equity Method Investments	(57)	(69)	(168)	(149)
Operating Income (Loss), Total	(11,899)	(7,192)	(33,784)	(29,433)
Subscription business [Member]
Segment Reporting Information [Line Items]
Revenues	152,401	127,077	438,048	360,742
Claims Expense	112,915	90,626	320,743	261,605
Other Cost of Services Sold	15,243	13,128	45,118	37,432
Technology and Development Expense	4,272	3,072	12,072	8,723
General and Administrative Expense	6,724	5,768	19,214	16,372
Selling and Marketing Expense	22,253	19,574	66,567	58,378
Depreciation, Depletion and Amortization	1,695	2,059	5,338	6,583
Operating Income (Loss), Total	(10,701)	(7,150)	(31,004)	(28,351)
Other Segments [Member]
Segment Reporting Information [Line Items]
Revenues	81,359	54,590	221,122	143,870
Claims Expense	58,197	34,432	152,911	91,605
Other Cost of Services Sold	17,346	15,315	51,862	40,159
Technology and Development Expense	2,281	1,319	6,106	3,478
General and Administrative Expense	3,590	2,478	9,693	6,525
Selling and Marketing Expense	181	134	476	424
Depreciation, Depletion and Amortization	905	885	2,686	2,612
Operating Income (Loss), Total	$ (1,141)	$ 27	$ (2,612)	$ (933)

Segments (Details) - Revenue by

Segments (Details) - Revenue by Geography - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Segment Reporting Information [Line Items]
Revenues	$ 233,760	$ 181,667	$ 659,170	$ 504,612
United States
Segment Reporting Information [Line Items]
Revenues	197,812	151,457	555,350	418,343
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 35,948	$ 30,211	$ 103,820	$ 86,269

Related Parties (Details)

Related Parties (Details) - USD ($) $ in Millions	9 Months Ended
Related Parties (Details) - USD ($) $ in Millions	Sep. 30, 2022	Sep. 30, 2021
Schedule of Equity Method Investments [Line Items]
Related Party Transaction, Selling, General and Administrative Expenses from Transactions with Related Party	$ 2.5	$ 2.3
Limited Liability Entity [Member]
Schedule of Equity Method Investments [Line Items]
Equity Method Investments	$ 0.3
Equity Method Investment, Ownership Percentage	17.50%

Subsequent Events (Details)

Subsequent Events (Details)	Oct. 14, 2022
Subsequent Event [Member]
Subsequent Event [Line Items]
Subsequent Events	Subsequent EventsOn October 14, 2022, the Company signed a definitive agreement to acquire 100% of the equity of Royal Blue s.r.o., the parent company of PetExpert, a veterinary-centric, pet insurance provider with tens of thousands of policies and operations in Czech Republic and Slovakia. The transaction is expected to close in the fourth quarter of 2022.