Trupanion (TRUP) 10-Q1 Nov 242024 Q3 Quarterly reportFinancial data

Company Profile

Cover Page Document

Cover Page Document - shares	9 Months Ended
Cover Page Document - shares	Sep. 30, 2024	Oct. 25, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	001-36537
Entity Registrant Name	TRUPANION, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	83-0480694
Entity Address, Address Line One	6100 4th Avenue S, Suite 200
Entity Address, City or Town	Seattle,
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98108
City Area Code	(855)
Local Phone Number	727 - 9079
Title of 12(b) Security	Common stock, $0.00001 par value per share
Trading Symbol	TRUP
Security Exchange Name	NASDAQ
Entity 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		42,343,514
Entity Central Index Key	0001371285
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Statement of Opera

Consolidated Statement of Operations - USD ($)	3 Months Ended		9 Months Ended
Consolidated Statement of Operations - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Income Statement [Abstract]
Revenues	$ 327,456,000	$ 285,853,000	$ 948,377,000	$ 812,748,000
Claims Expense	238,814,000	212,441,000	703,485,000	613,316,000
Other Cost of Services Sold	39,263,000	38,179,000	119,017,000	108,480,000
Cost of Revenue	278,077,000	250,620,000	822,502,000	721,796,000
Technology and Development Expense	7,933,000	5,302,000	23,083,000	15,434,000
General and Administrative Expense	16,977,000	12,664,000	46,903,000	46,817,000
Selling and Marketing Expense	18,308,000	17,772,000	53,025,000	60,183,000
Depreciation, Depletion and Amortization	4,381,000	2,990,000	12,542,000	9,445,000
Operating Expenses	47,599,000	38,728,000	135,553,000	131,879,000
Income (Loss) from Equity Method Investments	(34,000)	4,000	(184,000)	(140,000)
Operating Income (Loss), Total	1,746,000	(3,491,000)	(9,862,000)	(41,067,000)
Interest Expense	3,820,000	3,053,000	11,071,000	8,380,000
Other Nonoperating Income (Expense)	(3,538,000)	(2,465,000)	(9,601,000)	(6,445,000)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	1,464,000	(4,079,000)	(11,332,000)	(43,002,000)
Income Tax Expense (Benefit)	39,000	(43,000)	(43,000)	(472,000)
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ 1,425,000	$ (4,036,000)	$ (11,289,000)	$ (42,530,000)
Earnings Per Share, Basic and Diluted [Abstract]
Earnings Per Share, Basic	$ 0.03	$ (0.10)	$ (0.27)	$ (1.03)
Earnings Per Share, Diluted	$ 0.03	$ (0.10)	$ (0.27)	$ (1.03)
Weighted Average Number of Shares Outstanding, Basic	42,233,903	41,536,575	42,076,998	41,344,195
Weighted Average Number of Shares Outstanding, Diluted	42,822,505	41,536,575	42,076,998	41,344,195

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income Statement - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic, Total	$ 1,425,000	$ (4,036,000)	$ (11,289,000)	$ (42,530,000)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,805,000	(2,763,000)	1,288,000	48,000
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	2,209,000	(243,000)	1,552,000	(855,000)
Other Comprehensive Income (Loss), Net of Tax, Total	5,014,000	(3,006,000)	2,840,000	(807,000)
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$ 6,439,000	$ (7,042,000)	$ (8,449,000)	$ (43,337,000)

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets [Abstract]
Cash and Cash Equivalents, at Carrying Value	$ 137,477	$ 147,501
Short-term Investments	155,580	129,667
Accounts and Other Receivables, Net, Current	289,823	267,899
Prepaid Expense and Other Assets	16,692	17,022
Assets, Current, Total	599,572	562,089
Restricted Cash and Cash Equivalents	23,394	22,963
Marketable Securities, Noncurrent	14,215	12,866
Property, Plant and Equipment, Net	102,862	103,650
Intangible Assets, Net (Excluding Goodwill)	14,888	18,745
Other Assets, Noncurrent	16,004	18,922
Goodwill	45,183	43,713
Assets, Total	816,118	782,948
Liabilities and Equity [Abstract]
Accounts Payable, Current	10,136	10,505
Accrued Liabilities, Current	33,461	34,052
Liability for Claims and Claims Adjustment Expense	56,668	63,238
Deferred Revenue	260,238	235,329
Long-term Debt, Current Maturities	1,350	1,350
Liabilities, Current, Total	361,853	344,474
Long-term Debt, Excluding Current Maturities	127,548	127,580
Deferred Income Tax Liabilities, Net	2,166	2,685
Other Liabilities, Noncurrent	4,376	4,487
Liabilities, Total	495,943	479,226
Common Stock, Value, Outstanding	0	0
Preferred Stock, Value, Outstanding	0	0
Additional Paid in Capital	561,010	536,108
Accumulated Other Comprehensive Income (Loss), Net of Tax	3,243	403
Retained Earnings (Accumulated Deficit)	(227,544)	(216,255)
Treasury Stock, Value	(16,534)	(16,534)
Stockholders' Equity Attributable to Parent	320,175	303,722
Liabilities and Equity	$ 816,118	$ 782,948

Consolidated Balance Sheet Cond

Consolidated Balance Sheet Condensed Consolidated Balance Sheet Parentheticals - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Allowance for Doubtful Accounts, Premiums and Other Receivables	$ 1,015,000	$ 1,085,000
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	43,368,881	42,887,052
Common Stock, Shares, Outstanding	42,340,695	41,858,866
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, Common, Shares	1,028,186	1,028,186

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($)	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock, Common
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2022		41,013,158
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2022	$ 305,297,000	$ 0	$ 499,694,000	$ (171,562,000)	$ (6,301,000)	$ (16,534,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		614,050
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(15,000)		(15,000)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	27,520,000		27,520,000
Other Comprehensive Income (Loss), Net of Tax	(807,000)				(807,000)
Net Income (Loss) Available to Common Stockholders, Basic	(42,530,000)			(42,530,000)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2023		41,627,208
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2023	289,465,000	$ 0	527,199,000	(214,092,000)	(7,108,000)	(16,534,000)
Common Stock, Shares, Outstanding, Beginning Balance at Jun. 30, 2023		41,470,738
Stockholders' Equity Attributable to Parent, Beginning Balance at Jun. 30, 2023	288,758,000	$ 0	519,450,000	(210,056,000)	(4,102,000)	(16,534,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		156,470
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(356,000)		(356,000)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	7,393,000		7,393,000
Other Comprehensive Income (Loss), Net of Tax	(3,006,000)				(3,006,000)
Net Income (Loss) Available to Common Stockholders, Basic	(4,036,000)			(4,036,000)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2023		41,627,208
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2023	$ 289,465,000	$ 0	527,199,000	(214,092,000)	(7,108,000)	(16,534,000)
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2023	41,858,866	41,858,866
Stockholders' Equity Attributable to Parent, Beginning Balance at Dec. 31, 2023	$ 303,722,000	$ 0	536,108,000	(216,255,000)	403,000	(16,534,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		481,829
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(661,000)		(661,000)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	25,563,000		25,563,000
Other Comprehensive Income (Loss), Net of Tax	2,840,000				2,840,000
Net Income (Loss) Available to Common Stockholders, Basic	$ (11,289,000)			(11,289,000)
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2024	42,340,695	42,340,695
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2024	$ 320,175,000	$ 0	561,010,000	(227,544,000)	3,243,000	(16,534,000)
Common Stock, Shares, Outstanding, Beginning Balance at Jun. 30, 2024		42,159,631
Stockholders' Equity Attributable to Parent, Beginning Balance at Jun. 30, 2024	305,848,000	$ 0	553,122,000	(228,969,000)	(1,771,000)	(16,534,000)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares Issued, Shares, Share-based Payment Arrangement, after Forfeiture		181,064
Shares Issued, Value, Share-based Payment Arrangement, after Forfeiture	(545,000)		(545,000)
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	8,433,000		8,433,000
Other Comprehensive Income (Loss), Net of Tax	5,014,000				5,014,000
Net Income (Loss) Available to Common Stockholders, Basic	$ 1,425,000			1,425,000
Common Stock, Shares, Outstanding, Ending Balance at Sep. 30, 2024	42,340,695	42,340,695
Stockholders' Equity Attributable to Parent, Ending Balance at Sep. 30, 2024	$ 320,175,000	$ 0	$ 561,010,000	$ (227,544,000)	$ 3,243,000	$ (16,534,000)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($)	9 Months Ended
Consolidated Statement of Cash Flows - USD ($)	Sep. 30, 2024	Sep. 30, 2023
Statement of Cash Flows [Abstract]
Net Income (Loss) Available to Common Stockholders, Basic	$ (11,289,000)	$ (42,530,000)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Depreciation, Depletion and Amortization	12,542,000	9,445,000
Share-based Payment Arrangement, Noncash Expense	25,138,000	25,860,000
Other Operating Income (Expense), Net	(453,000)	(1,134,000)
Increase (Decrease) in Operating Assets [Abstract]
Increase (Decrease) in Accounts Receivable	(22,020,000)	(45,593,000)
Increase (Decrease) in Prepaid Expense and Other Assets	2,398,000	(2,761,000)
Increase (Decrease) in Accounts Payable and Accrued Liabilities	(350,000)	(3,832,000)
Increase (Decrease) in Claims Reserve and Loss Adjustment	(6,469,000)	17,697,000
Increase (Decrease) in Unearned Premiums	25,088,000	43,979,000
Net Cash Provided by (Used in) Operating Activities	24,585,000	1,131,000
Net Cash Provided by (Used in) Investing Activities [Abstract]
Payments to Acquire Held-to-maturity Securities	(107,375,000)	(109,389,000)
Maturities of Investment Securities	81,767,000	147,365,000
Payments to Acquire Property, Plant, and Equipment	(7,858,000)	(14,310,000)
Payments for (Proceeds from) Other Investing Activities	1,552,000	1,420,000
Net Cash Provided by (Used in) Investing Activities	(31,914,000)	25,086,000
Net Cash Provided by (Used in) Financing Activities [Abstract]
Repayments of Debt	(1,013,000)	(1,380,000)
Proceeds from Stock Options Exercised	729,000	1,281,000
Payment, Tax Withholding, Share-based Payment Arrangement	(1,390,000)	(1,296,000)
Proceeds from (Payments for) Other Financing Activities	(609,000)	150,000
Net Cash Provided by (Used in) Financing Activities	(2,283,000)	58,557,000
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	19,000	(830,000)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	(9,593,000)	83,944,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	170,464,000	84,637,000
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	160,871,000	168,581,000
Supplemental Cash Flow Information [Abstract]
Capital Expenditures Incurred but Not yet Paid	484,000	741,000
Proceeds from Issuance of Debt	$ 0	$ 60,102,000

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Notes)	9 Months Ended
	Sep. 30, 2024
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 in the United States, Canada, Continental Europe, Australia, and Puerto Rico. 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, 2023 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 27, 2024 (the "2023 10-K"). The Company's accounting policies are described in Note 1 to the audited financial statements included in the 2023 10-K. Operating results for the nine months ended September 30, 2024 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 2023 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, 2024
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	2. 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, unvested restricted stock awards and restricted stock units.

Other Investments (Notes)

Other Investments (Notes)	9 Months Ended
Other Investments (Notes)	Sep. 30, 2024
Investments, All Other Investments [Abstract]
Investments and Other Noncurrent Assets [Text Block]	Other Investments Preferred Stock Investment The Company has invested $7.0 million in the preferred stock of a variable interest entity, Baystride, Inc. ("Baystride"), a U.S.-based privately held corporation operating in the pet food industry. The Company does not have power over the activities that most significantly impact the economic performance of the entity and is, therefore, not the primary beneficiary. The Company has the option to purchase all of the outstanding common stock issued by Baystride in August 2027 at an amount approximating its expected fair value. The preferred stock investment in the entity is redeemable, and therefore, is accounted for as an available-for-sale debt security, and measured at fair value at each balance sheet date — see Note 5. Additionally, the Company has extended a $7.0 million revolving line of credit to Baystride to fund its inventory purchases, which will increase annually by $2.0 million until the note’s maturity in 2027. Borrowing amounts are subject to limitations based on Baystride’s forecasted revenues and inventory balances. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $2.1 million and $4.0 million as of September 30, 2024 and December 31, 2023, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, Baystride at cost. The Company provided $0.2 million and $0.3 million of these services for the nine months ended September 30, 2024 and 2023, respectively. Allowance for Credit Loss The Company regularly evaluates its investments for expected credit losses. The Company considers past events, current conditions, and reasonable and supportable forecasts in estimating an allowance for credit losses. Additionally, the Company considers the ultimate collection of cash flows from its investments and whether the Company has the intent to sell, or if it is more likely than not the Company would be required to sell the security prior to recovery of its amortized cost. Such evaluations are revised as conditions change and new information becomes available. Based on these considerations, the Company has established an allowance for credit losses related to its preferred stock investment. The following table presents a rollforward of the allowance for credit losses for this investment. Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Balance at beginning of period $ (1,674) $ — $ (1,674) $ — (Addition to) allowance for credit losses — — — — Balance at end of period $ (1,674) $ — $ (1,674) $ —

Fair Value (Notes)

Fair Value (Notes)	9 Months Ended
Fair Value (Notes)	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Fair Value Fair Value Disclosures - Investments The following table summarizes, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of September 30, 2024 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 76,979 $ 76,979 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 13,383 — 13,383 — Other asset-backed securities 16,941 — 16,941 — Corporate bonds 42,255 — 42,255 — Foreign deposits 14,051 14,051 — — U.S. Treasury securities 60,908 — 60,908 — Preferred stock investment 5,326 — — 5,326 Total $ 229,843 $ 91,030 $ 133,487 $ 5,326 As of December 31, 2023 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 67,360 $ 67,360 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 10,454 — 10,454 — Other asset-backed securities 12,436 — 12,436 — Corporate bonds 36,613 — 36,613 — Foreign deposits 11,869 11,869 — — U.S. Treasury securities 44,687 — 44,687 — Preferred stock investment 5,326 — — 5,326 Total $ 188,745 $ 79,229 $ 104,190 $ 5,326 The Company measures the fair value of money market funds and foreign deposits, classified as Level 1, based on quoted prices in active markets for identical assets. The Company's fixed maturity investments classified as either Level 1 or Level 2 in the above tables are priced exclusively by external sources, including pricing vendors, dealers/market makers, and exchange-quoted prices. The fair value of the Company's fixed maturity investments classified as Level 2 is based on either recent trades in inactive markets or quoted market prices of similar instruments and other significant inputs derived from or corroborated by observable market data. Held-to-maturity investments are carried at amortized cost and the fair value and changes in unrealized gains (losses) are disclosed in Note 3, Investments. The fair value of these investments is determined in the same manner as available-for-sale securities and are considered either a Level 1 or Level 2 measurement. The Company's preferred stock investment (see Note 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. The estimated fair value was $5.3 million as of September 30, 2024, unchanged from December 31, 2023, and is recorded in other long-term assets on the Company's consolidated balance sheet. The Company recognizes transfers between levels of the fair value hierarchy on the date of the event or change in circumstances that caused the transfer. There were no transfers between levels for the nine months ended September 30, 2024 and the year ended December 31, 2023. The following table presents the change in fair value of the Company’s preferred stock investment carried at fair value and classified as Level 3 as of September 30, 2024 and 2023 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Balance at beginning of period $ 5,326 $ 4,115 $ 5,326 $ 4,115 Changes in fair value included in earnings — — — — Balance at end of period $ 5,326 $ 4,115 $ 5,326 $ 4,115 Fair Value Disclosures - Other Assets and Liabilities The Company's other long-term assets balance also included notes receivable of $4.9 million and $6.8 million as of September 30, 2024 and December 31, 2023, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy, and is based on market interest rates and the assessed creditworthiness of the third party. The Company estimates the fair value of long-term debt based upon rates currently available to the Company for debt with similar terms and remaining maturities. This is a Level 3 measurement. Based upon the terms of the debt, the carrying amount of long-term debt approximated fair value at September 30, 2024.

Commitment and Contingencies (N

Commitment and Contingencies (Notes)	9 Months Ended
Commitment and Contingencies (Notes)	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	Commitments and Contingencies Legal Proceedings From time to time the Company is or may become subject to various legal proceedings arising in the ordinary course of business, including proceedings against members, other entities or regulatory bodies. Estimated liabilities are recorded when it is both probable that a liability has been incurred and the amount of the loss can be reasonably estimated. At this time, the Company does not believe any such matters to be material individually or in the aggregate. These views are subject to change following the outcome of future events or the results of future developments.

Claims Reserve (Notes)

Claims Reserve (Notes)	9 Months Ended
Claims Reserve (Notes)	Sep. 30, 2024
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 have not been processed or received but that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense. Reserve for veterinary invoices Summarized below are the changes in the total liability for the Company's subscription business segment (in thousands): Nine Months Ended September 30, Subscription 2024 2023 Reserve at beginning of year $ 31,548 $ 21,543 Veterinary invoices during the period related to: Current year 464,001 400,604 Prior years 142 2,426 Total veterinary invoice expense 464,143 403,030 Amounts paid during the period related to: Current year 439,325 368,269 Prior years 29,675 21,829 Total paid 469,000 390,098 Non-cash expenses 2,529 2,794 Reserve at end of period $ 24,162 $ 31,681 The Company had unfavorable development on veterinary invoice reserves for the subscription business segment of $0.1 million for the nine months ended September 30, 2024, and unfavorable development on veterinary invoice reserves of $2.4 million for the nine months ended September 30, 2023, both of which were the result of ongoing analysis of recent payment trends. Non-cash expenses are primarily comprised of stock-based compensation expense for employees performing claims processing related duties. Summarized below are the changes in total liability for the Company's other business segment (in thousands): Nine Months Ended September 30, Other Business 2024 2023 Reserve at beginning of year $ 31,690 $ 22,191 Veterinary invoices during the period related to: Current year 240,690 209,635 Prior years (1,348) 651 Total veterinary invoice expense 239,342 210,286 Amounts paid during the period related to: Current year 209,862 181,535 Prior years 28,664 21,285 Total paid 238,526 202,820 Non-cash expenses — — Reserve at end of period $ 32,506 $ 29,657 The Company had favorable development on veterinary invoice reserves for the other business segment of $1.3 million for the nine months ended September 30, 2024, and unfavorable development on veterinary invoice reserves of $0.7 million for the nine months ended September 30, 2023, both of which were the result of ongoing analysis of recent payment trends. Reserve for veterinary invoices, by year of occurrence In the following tables, the 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, 2024 Year of Occurrence 2022 and prior $ 64 2023 1,951 2024 22,147 $ 24,162 Other Business As of September 30, 2024 Year of Occurrence 2022 and prior $ 158 2023 1,520 2024 30,828 $ 32,506

Debt (Notes)

Debt (Notes)	9 Months Ended
Debt (Notes)	Sep. 30, 2024
Debt Disclosure [Abstract]
Long-term Debt [Text Block]	Debt On March 25, 2022, the Company entered into a credit agreement with Piper Sandler Finance, LLC, acting as the administrative agent, that provides the Company with $150.0 million in credit (the "Credit Facility") consisting of: (a) an initial term loan in an aggregate principal amount of $60.0 million ("Initial Term Loan"), which was funded at closing; (b) commitments for delayed draw term loans in an aggregate principal amount not in excess of $75.0 million ("Delayed Draw Term Loans", and together with the Initial Term Loan, the "Term Loans"), which were able to be drawn from time to time until September 25, 2023. On December 29, 2022, February 17, 2023, and September 21, 2023, the Company borrowed Delayed Draw Term loans of $15.0 million, $35.0 million, and $25.0 million, respectively; and (c) commitments for revolving loans in an aggregate principal amount at any time outstanding not in excess of $15.0 million ("Revolving Loans"), which may be drawn at any time prior to March 25, 2027. The Credit Facility bears interest at a floating base rate plus an applicable margin. The stated interest rate as of September 30, 2024 was approximately 10.48% for the $60.0 million Initial Term Loan and for the aggregate $75.0 million Delayed Draw Term Loans. The Company incurred total debt issuance costs of approximately $5.9 million, which are reported in the consolidated balance sheet as a direct reduction from the carrying amount of the Credit Facility, and are 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, 2024, the Company was in compliance with all financial and other covenants . To the extent not previously paid, the Initial Term Loan is due and payable on March 25, 2027, the Delayed Draw Term Loans are due and payable on the earlier of the five-year anniversary of their initial funding or March 25, 2028, and Revolving Loans are due and payable on March 25, 2027. The Company must repay 0.25% of any then-outstanding Term Loans, together with accrued and unpaid interest, on a quarterly basis. Future principal payments on outstanding borrowings as of September 30, 2024 are as follows (in thousands): Year Ending December 31, September 30, 2024 2024 $ 337 2025 1,350 2026 1,350 2027 72,113 2028 57,125 Total $ 132,275

Stock-based Compensation (Notes

Stock-based Compensation (Notes)	9 Months Ended
Stock-based Compensation (Notes)	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Stock-Based Compensation Stock-based compensation expense includes 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, 2024 2023 2024 2023 Veterinary invoice expense $ 847 $ 895 $ 2,625 $ 2,614 Other cost of revenue 554 281 1,561 1,187 Technology and development 1,259 650 3,774 1,985 General and administrative 4,125 3,281 11,435 14,448 New pet acquisition expense 1,555 1,785 5,743 5,626 Total expensed stock-based compensation 8,340 6,892 25,138 25,860 Capitalized stock-based compensation 93 501 425 1,660 Total stock-based compensation $ 8,433 $ 7,393 $ 25,563 $ 27,520 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, 2023 714,382 $ 66.64 Granted 902,690 28.63 Vested (526,251) 60.13 Forfeited (53,149) 46.56 Unvested shares as of September 30, 2024 1,037,672 37.91 As of September 30, 2024, the Company had 1,037,672 unvested restricted stock units. Stock-based compensation expenses of $41.6 million related to unvested restricted stock units are expected to be recognized over a weighted average period of approximately 2.2 years. In March 2023, two executives terminated employment with the Company and one executive signed a separation agreement effective June 1, 2023. In conjunction with these departures, the Company accelerated the vesting of certain RSUs as of the termination date and extended the purchase date of certain vested options from 90 to 365 days. These award modifications resulted in the recognition of $4.8 million share-based compensation expense during the nine months ended September 30, 2023. 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, 2023 408,970 $ 14.09 $ 6,715 Granted — — — Exercised (55,445) 13.14 1,352 Forfeited (500) 14.93 — Outstanding as of September 30, 2024 353,025 14.24 9,793 Exercisable as of September 30, 2024 353,025 14.24 9,793 As of September 30, 2024, stock options outstanding and stock options exercisable had a weighted average remaining contractual life of 1.9 years. The Company has not granted any new stock options since 2017.

Stockholders' Equity (Notes)

Stockholders' Equity (Notes)	9 Months Ended
Stockholders' Equity (Notes)	Sep. 30, 2024
Equity, Attributable to Parent [Abstract]
Stockholders' Equity Note Disclosure [Text Block]	Stockholders' Equity Common Stock and Preferred Stock As of September 30, 2024, the Company had 100,000,000 shares of common stock authorized and 42,340,695 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, 2024, the Company had 10,000,000 shares of undesignated preferred stock authorized for future issuance and did not have any outstanding shares of preferred stock. The holders of common stock are also entitled to receive dividends as and when declared by the board of directors of the Company (the "Board"), whenever funds are legally available. These rights are subordinate to the dividend rights of holders of any senior classes of stock outstanding at the time. The Company does not intend to declare or pay any cash dividends in the foreseeable future. Share Repurchase Program In April 2021, the Board approved a share repurchase program, pursuant to which the Company may, between May 2021 and May 2026, repurchase outstanding shares of the Company's common stock. The Company repurchased no shares during the nine months ended September 30, 2024 and 2023, respectively.

Comprehensive Income (Loss) (No

Comprehensive Income (Loss) (Notes)	9 Months Ended
Comprehensive Income (Loss) (Notes)	Sep. 30, 2024
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, 2024 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of July 1, 2024 $ (1,593) $ (178) $ (1,771) Other comprehensive income (loss) 2,805 2,209 5,014 Balance as of September 30, 2024 $ 1,212 $ 2,031 $ 3,243 For the three months September 30, 2023 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of July 1, 2023 $ 23 $ (4,125) $ (4,102) Other comprehensive income (loss) (2,763) (243) (3,006) Balance as of September 30, 2023 $ (2,740) $ (4,368) $ (7,108) For the nine months ended September 30, 2024 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of January 1, 2024 $ (76) $ 479 $ 403 Other comprehensive income (loss) 1,288 1,552 2,840 Balance as of September 30, 2024 $ 1,212 $ 2,031 $ 3,243 For the nine months ended September 30, 2023 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of January 1, 2023 $ (2,788) $ (3,513) $ (6,301) Other comprehensive income (loss) 48 (855) (807) Balance as of September 30, 2023 $ (2,740) $ (4,368) $ (7,108)

Segments (Notes)

Segments (Notes)	9 Months Ended
Segments (Notes)	Sep. 30, 2024
Segment Reporting [Abstract]
Segment Reporting Disclosure [Text Block]	Segments The Company has two aggregated reporting segments: subscription business and other business. The subscription business segment consists of products that have been created to meet the needs of their distribution channels and have similar target margin profiles. This segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products. The other business segment generates revenue primarily by underwriting policies on behalf of third parties. The Company does not undertake marketing efforts for these policies and has a business-to-business relationship with these third-parties. The other business segment also includes other products and insurance software solutions that have a different margin profile from the Company’s subscription business segment. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are generally allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets. Operating income (loss) of the Company’s segments were as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Subscription business: Revenue $ 218,986 $ 182,906 $ 628,738 $ 521,369 Veterinary invoice expense 156,307 139,747 464,143 403,030 Other cost of revenue 21,058 17,697 61,094 52,025 Technology and development 5,305 3,393 15,303 9,901 General and administrative 11,353 8,103 31,095 27,587 New pet acquisition expense 18,210 17,762 52,897 60,060 Depreciation and amortization 2,929 1,913 8,315 6,060 Subscription business operating income (loss) 3,824 (5,709) (4,109) (37,294) Other business: Revenue 108,470 102,947 319,639 291,379 Veterinary invoice expense 82,507 72,694 239,342 210,286 Other cost of revenue 18,205 20,482 57,923 56,455 Technology and development 2,628 1,909 7,780 5,533 General and administrative 5,624 4,561 15,808 19,230 New pet acquisition expense 98 10 128 123 Depreciation and amortization 1,452 1,077 4,227 3,385 Other business operating income (loss) (2,044) 2,214 (5,569) (3,633) Gain (loss) from investment in joint venture (34) 4 (184) (140) Operating income (loss) 1,746 (3,491) (9,862) (41,067) Interest expense 3,820 3,053 11,071 8,380 Other income, net (3,538) (2,465) (9,601) (6,445) Income (loss) before income taxes $ 1,464 $ (4,079) $ (11,332) $ (43,002) 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, 2024 2023 2024 2023 United States $ 272,825 $ 241,064 $ 792,018 $ 686,662 Canada and other 54,631 44,789 156,359 126,086 Total revenue $ 327,456 $ 285,853 $ 948,377 $ 812,748 Substantially all of the Company’s long-lived assets were located in the United States as of September 30, 2024 and December 31, 2023.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2024 shares
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	Rule 10b5-1 Plan On August 28, 2024, Murray Low, a member of our Board of Directors, adopted a trading plan intended to satisfy Rule 10b5-1 to sell up to 9,984 shares of Trupanion, Inc. common stock over a period ending on December 27, 2025, subject to certain conditions. No other officers or directors, as defined in Rule 16a-1(f), adopted, modified, or terminated a "Rule 10b5-1 trading arrangement" or a "non-Rule 10b5-1 trading arrangement," as defined in Item 408 of Regulation S-K, during the three months ended September 30, 2024.
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 28, 2024
Rule 10b5-1 Arrangement Terminated	true
Termination Date	December 27, 2025
TRUP Murray Low Member [Member]
Trading Arrangements, by Individual
Name	Murray Low
Aggregate Available	9,984
board of directors [Member]
Trading Arrangements, by Individual
Title	Board of Directors
other officers & directors [Member]
Trading Arrangements, by Individual
Title	officers or directors
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2024
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 in the United States, Canada, Continental Europe, Australia, and Puerto Rico. 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 2023 10-K. Operating results for the nine months ended September 30, 2024 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 2023 10-K for additional discussion of these estimates and assumptions.

Other Investments (Policies)

Other Investments (Policies)	9 Months Ended
Other Investments (Policies)	Sep. 30, 2024
Investments, All Other Investments [Abstract]
Consolidation, Variable Interest Entity, Policy [Policy Text Block]	Additionally, the Company has extended a $7.0 million revolving line of credit to Baystride to fund its inventory purchases, which will increase annually by $2.0 million until the note’s maturity in 2027. Borrowing amounts are subject to limitations based on Baystride’s forecasted revenues and inventory balances. The Company's investment and amounts loaned under the line of credit are recorded in other long-term assets on its consolidated balance sheet. The outstanding loan balance under the line of credit, including accrued interest, was $2.1 million and $4.0 million as of September 30, 2024 and December 31, 2023, respectively. The Company has also entered into a series of agreements to provide ancillary services to, and receive reimbursement from, Baystride at cost. The Company provided $0.2 million and $0.3 million of these services for the nine months ended September 30, 2024 and 2023, respectively.

Fair Value (Policies)

Fair Value (Policies)	9 Months Ended
Fair Value (Policies)	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurement, Policy [Policy Text Block]	The Company's other long-term assets balance also included notes receivable of $4.9 million and $6.8 million as of September 30, 2024 and December 31, 2023, respectively, recorded at their estimated collectible amount. The Company estimates that the carrying value of the notes receivable approximates the fair value. The estimated fair value represents a Level 3 measurement within the fair value hierarchy, and is based on market interest rates and the assessed creditworthiness of the third party. The Company estimates the fair value of long-term debt based upon rates currently available to the Company for debt with similar terms and remaining maturities. This is a Level 3 measurement. Based upon the terms of the debt, the carrying amount of long-term debt approximated fair value at September 30, 2024.

Claims Reserve (Policies)

Claims Reserve (Policies)	9 Months Ended
Claims Reserve (Policies)	Sep. 30, 2024
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 have not been processed or received but that are dated as of, or prior to, its balance sheet date. The reserve also includes the Company's estimate of related internal processing costs. The reserve estimate involves actuarial projections, and is based on management's assessment of facts and circumstances currently known, and assumptions about anticipated patterns. The Company uses generally accepted actuarial methodologies, such as paid loss development methods, in estimating the amount of the reserve for veterinary invoices. The reserve is made for each of the Company's segments, subscription and other business, and is continually refined as the Company receives and pays veterinary invoices. Changes in management's assumptions and estimates may have a relatively large impact to the reserve and associated expense.

Segments (Policies)

Segments (Policies)	9 Months Ended
Segments (Policies)	Sep. 30, 2024
Segment Reporting [Abstract]
Segment Reporting, Policy [Policy Text Block]	The Company has two aggregated reporting segments: subscription business and other business. The subscription business segment consists of products that have been created to meet the needs of their distribution channels and have similar target margin profiles. This segment generates revenue primarily from subscription fees related to the Company's direct-to-consumer products. The other business segment generates revenue primarily by underwriting policies on behalf of third parties. The Company does not undertake marketing efforts for these policies and has a business-to-business relationship with these third-parties. The other business segment also includes other products and insurance software solutions that have a different margin profile from the Company’s subscription business segment. The chief operating decision maker reviews revenue and operating income (loss) to evaluate segment performance. Revenue, veterinary invoice expense, other cost of revenue, and new pet acquisition expenses are generally directly attributed to each segment. Other operating expenses, such as technology and development expense, general and administrative expense, and depreciation and amortization, are generally allocated proportionately based on revenue in each segment. Interest and other expenses and income taxes are not allocated to the segments, nor included in the measure of segment profit or loss. The Company does not analyze discrete segment balance sheet information related to long-term assets.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2024
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, 2024 2023 2024 2023 Stock options — 522,830 353,025 522,830 Restricted stock awards and restricted stock units 317,203 735,163 1,037,672 735,163
Schedule of Earnings Per Share, Basic and Diluted	The components of basic and diluted earnings per share were as follows (in thousands, except share and per share information): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Basic earnings per share: Net income (loss) $ 1,425 $ (4,036) $ (11,289) $ (42,530) Shares used in computation: Weighted average shares of common stock outstanding 42,233,903 41,536,575 42,076,998 41,344,195 Basic earnings per share $ 0.03 $ (0.10) $ (0.27) $ (1.03) Diluted earnings per share: Net income (loss) $ 1,425 $ (4,036) $ (11,289) $ (42,530) Shares used in computation: Weighted average shares of common stock outstanding 42,233,903 41,536,575 42,076,998 41,344,195 Stock options 242,254 — — — Restricted stock awards and units 346,348 — — — Weighted average number of shares 42,822,505 41,536,575 42,076,998 41,344,195 Diluted earnings per share $ 0.03 $ (0.10) $ (0.27) $ (1.03)

Investments, Debt and Equity Se

Investments, Debt and Equity Securities (Tables)	9 Months Ended
Investments, Debt and Equity Securities (Tables)	Sep. 30, 2024
Investments, Debt and Equity Securities [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, 2024 and December 31, 2023 (in thousands): Amortized Gross Gross Fair As of September 30, 2024 Long-term investments: Available-for-sale investments Foreign deposits $ 14,051 $ — $ — $ 14,051 $ 14,051 $ — $ — $ 14,051 Held-to-maturity investments U.S. treasury securities $ 164 $ 1 $ — $ 165 $ 164 $ 1 $ — $ 165 Short-term investments: Available-for-sale investments U.S. treasury securities $ 59,933 $ 976 $ (1) $ 60,908 Mortgage-backed securities and collateralized mortgage obligations 13,228 181 (26) 13,383 Other asset-backed securities 16,778 173 (10) 16,941 Corporate bonds 41,515 751 (11) 42,255 $ 131,454 $ 2,081 $ (48) $ 133,487 Held-to-maturity investments U.S. treasury securities $ 13,801 $ 34 $ — $ 13,835 Certificates of deposit 8,292 — — 8,292 $ 22,093 $ 34 $ — $ 22,127 Amortized Gross Gross Fair As of December 31, 2023 Long-term investments: Available-for-sale investments Foreign deposits $ 11,869 $ — $ — $ 11,869 $ 11,869 $ — $ — $ 11,869 Held-to-maturity investments U.S. treasury securities $ 997 $ 8 $ — $ 1,005 $ 997 $ 8 $ — $ 1,005 Short-term investments: Available-for-sale investments U.S. treasury securities $ 44,425 $ 326 $ (64) $ 44,687 Mortgage-backed securities and collateralized mortgage obligations 10,460 69 (75) 10,454 Other asset-backed securities 12,422 67 (53) 12,436 Corporate bonds 36,404 332 (123) 36,613 $ 103,711 $ 794 $ (315) $ 104,190 Held-to-maturity investments U.S. treasury securities $ 13,179 $ 21 $ (15) $ 13,185 Certificates of deposit 12,298 — — 12,298 $ 25,477 $ 21 $ (15) $ 25,483
Investments Classified by Contractual Maturity Date [Table Text Block]	Maturities of investments classified as available-for-sale and held-to-maturity were as follows (in thousands): As of September 30, 2024 Amortized Fair Available-for-sale: Due under one year $ 5,902 $ 5,915 Due after one year through five years 109,597 111,298 $ 115,499 $ 117,213 Available-for-sale collateralized: Due under one year $ 3,298 $ 3,296 Due after one year through five years 22,252 22,553 Due after five years through ten years 3,674 3,698 Due after ten years 782 778 $ 30,006 $ 30,325 Held-to-maturity: Due under one year $ 22,093 $ 22,127 Due after one year through five years 164 165 $ 22,257 $ 22,292

Investments, All Other Investme

Investments, All Other Investments (Tables)	9 Months Ended
Investments, All Other Investments (Tables)	Sep. 30, 2024
Investments, All Other Investments [Abstract]
Debt Securities, Available-for-Sale, Allowance for Credit Loss	rollforward of the allowance for credit losses for this investment. Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Balance at beginning of period $ (1,674) $ — $ (1,674) $ — (Addition to) allowance for credit losses — — — — Balance at end of period $ (1,674) $ — $ (1,674) $ —

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
Fair Value (Tables)	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	The following table summarizes, by major security type, the Company's assets that are measured at fair value on a recurring basis, and placement within the fair value hierarchy (in thousands): As of September 30, 2024 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 76,979 $ 76,979 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 13,383 — 13,383 — Other asset-backed securities 16,941 — 16,941 — Corporate bonds 42,255 — 42,255 — Foreign deposits 14,051 14,051 — — U.S. Treasury securities 60,908 — 60,908 — Preferred stock investment 5,326 — — 5,326 Total $ 229,843 $ 91,030 $ 133,487 $ 5,326 As of December 31, 2023 Fair Value Level 1 Level 2 Level 3 Assets Money market funds $ 67,360 $ 67,360 $ — $ — Fixed maturities: Mortgage-backed securities and collateralized mortgage obligations 10,454 — 10,454 — Other asset-backed securities 12,436 — 12,436 — Corporate bonds 36,613 — 36,613 — Foreign deposits 11,869 11,869 — — U.S. Treasury securities 44,687 — 44,687 — Preferred stock investment 5,326 — — 5,326 Total $ 188,745 $ 79,229 $ 104,190 $ 5,326

Claims Reserve (Tables)

Claims Reserve (Tables)	9 Months Ended
Claims Reserve (Tables)	Sep. 30, 2024
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, 2024 Year of Occurrence 2022 and prior $ 64 2023 1,951 2024 22,147 $ 24,162 Other Business As of September 30, 2024 Year of Occurrence 2022 and prior $ 158 2023 1,520 2024 30,828 $ 32,506
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 2024 2023 Reserve at beginning of year $ 31,548 $ 21,543 Veterinary invoices during the period related to: Current year 464,001 400,604 Prior years 142 2,426 Total veterinary invoice expense 464,143 403,030 Amounts paid during the period related to: Current year 439,325 368,269 Prior years 29,675 21,829 Total paid 469,000 390,098 Non-cash expenses 2,529 2,794 Reserve at end of period $ 24,162 $ 31,681
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 2024 2023 Reserve at beginning of year $ 31,690 $ 22,191 Veterinary invoices during the period related to: Current year 240,690 209,635 Prior years (1,348) 651 Total veterinary invoice expense 239,342 210,286 Amounts paid during the period related to: Current year 209,862 181,535 Prior years 28,664 21,285 Total paid 238,526 202,820 Non-cash expenses — — Reserve at end of period $ 32,506 $ 29,657

Debt (Tables)

Debt (Tables)	9 Months Ended
Debt (Tables)	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Maturities of Long-term Debt [Table Text Block]	Future principal payments on outstanding borrowings as of September 30, 2024 are as follows (in thousands): Year Ending December 31, September 30, 2024 2024 $ 337 2025 1,350 2026 1,350 2027 72,113 2028 57,125 Total $ 132,275

Stock-based Compensation (Table

Stock-based Compensation (Tables)	9 Months Ended
Stock-based Compensation (Tables)	Sep. 30, 2024
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 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, 2024 2023 2024 2023 Veterinary invoice expense $ 847 $ 895 $ 2,625 $ 2,614 Other cost of revenue 554 281 1,561 1,187 Technology and development 1,259 650 3,774 1,985 General and administrative 4,125 3,281 11,435 14,448 New pet acquisition expense 1,555 1,785 5,743 5,626 Total expensed stock-based compensation 8,340 6,892 25,138 25,860 Capitalized stock-based compensation 93 501 425 1,660 Total stock-based compensation $ 8,433 $ 7,393 $ 25,563 $ 27,520
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, 2023 408,970 $ 14.09 $ 6,715 Granted — — — Exercised (55,445) 13.14 1,352 Forfeited (500) 14.93 — Outstanding as of September 30, 2024 353,025 14.24 9,793 Exercisable as of September 30, 2024 353,025 14.24 9,793
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity [Table Text Block]	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, 2023 714,382 $ 66.64 Granted 902,690 28.63 Vested (526,251) 60.13 Forfeited (53,149) 46.56 Unvested shares as of September 30, 2024 1,037,672 37.91

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	9 Months Ended
Comprehensive Income (Loss) (Tables)	Sep. 30, 2024
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, 2024 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of July 1, 2024 $ (1,593) $ (178) $ (1,771) Other comprehensive income (loss) 2,805 2,209 5,014 Balance as of September 30, 2024 $ 1,212 $ 2,031 $ 3,243 For the three months September 30, 2023 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of July 1, 2023 $ 23 $ (4,125) $ (4,102) Other comprehensive income (loss) (2,763) (243) (3,006) Balance as of September 30, 2023 $ (2,740) $ (4,368) $ (7,108) For the nine months ended September 30, 2024 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of January 1, 2024 $ (76) $ 479 $ 403 Other comprehensive income (loss) 1,288 1,552 2,840 Balance as of September 30, 2024 $ 1,212 $ 2,031 $ 3,243 For the nine months ended September 30, 2023 Foreign Currency Translation Net Unrealized Gain (Loss) on Available-for-Sale Securities Total Balance as of January 1, 2023 $ (2,788) $ (3,513) $ (6,301) Other comprehensive income (loss) 48 (855) (807) Balance as of September 30, 2023 $ (2,740) $ (4,368) $ (7,108)

Segments (Tables)

Segments (Tables)	9 Months Ended
Segments (Tables)	Sep. 30, 2024
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, 2024 2023 2024 2023 Subscription business: Revenue $ 218,986 $ 182,906 $ 628,738 $ 521,369 Veterinary invoice expense 156,307 139,747 464,143 403,030 Other cost of revenue 21,058 17,697 61,094 52,025 Technology and development 5,305 3,393 15,303 9,901 General and administrative 11,353 8,103 31,095 27,587 New pet acquisition expense 18,210 17,762 52,897 60,060 Depreciation and amortization 2,929 1,913 8,315 6,060 Subscription business operating income (loss) 3,824 (5,709) (4,109) (37,294) Other business: Revenue 108,470 102,947 319,639 291,379 Veterinary invoice expense 82,507 72,694 239,342 210,286 Other cost of revenue 18,205 20,482 57,923 56,455 Technology and development 2,628 1,909 7,780 5,533 General and administrative 5,624 4,561 15,808 19,230 New pet acquisition expense 98 10 128 123 Depreciation and amortization 1,452 1,077 4,227 3,385 Other business operating income (loss) (2,044) 2,214 (5,569) (3,633) Gain (loss) from investment in joint venture (34) 4 (184) (140) Operating income (loss) 1,746 (3,491) (9,862) (41,067) Interest expense 3,820 3,053 11,071 8,380 Other income, net (3,538) (2,465) (9,601) (6,445) Income (loss) before income taxes $ 1,464 $ (4,079) $ (11,332) $ (43,002)
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, 2024 2023 2024 2023 United States $ 272,825 $ 241,064 $ 792,018 $ 686,662 Canada and other 54,631 44,789 156,359 126,086 Total revenue $ 327,456 $ 285,853 $ 948,377 $ 812,748

Net Loss per Share (Details) Sc

Net Loss per Share (Details) Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net Income (Loss) Available to Common Stockholders, Basic	$ 1,425,000	$ (4,036,000)	$ (11,289,000)	$ (42,530,000)
Weighted Average Number of Shares Outstanding, Diluted	42,822,505	41,536,575	42,076,998	41,344,195
Earnings Per Share, Diluted	$ 0.03	$ (0.10)	$ (0.27)	$ (1.03)
Weighted Average Number of Shares Outstanding, Basic	42,233,903	41,536,575	42,076,998	41,344,195
Earnings Per Share, Basic	$ 0.03	$ (0.10)	$ (0.27)	$ (1.03)
Equity Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Weighted Average Number of Shares Outstanding, Diluted	242,254
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Weighted Average Number of Shares Outstanding, Diluted	346,348
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	0	522,830	353,025	522,830
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	317,203	735,163	1,037,672	735,163

Investment Securities (Details)

Investment Securities (Details) - Investment Schedule - AFS - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	$ 117,213,000
Debt Securities, Available-for-Sale, Unrealized Loss Position	100,000		$ 300,000
Proceeds from Sale of Debt Securities, Available-for-Sale	59,200,000	$ 83,900,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	5,902,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	109,597,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	115,499,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	5,915,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	111,298,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer	8,200,000		18,900,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months	6,800,000		25,900,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	100,000		200,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss			100,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	100,000		200,000
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss			100,000
Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0		0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	14,051,000		11,869,000
Debt Securities, Available-for-Sale, Amortized Cost	14,051,000		11,869,000
Debt Securities, Available-for-Sale, Unrealized Gain	0		0
Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	34,000		21,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0		(15,000)
Debt Securities, Held-to-maturity, Fair Value	22,127,000		25,483,000
Debt Securities, Available-for-Sale, Unrealized Gain	2,081,000		794,000
Debt Securities, Held-to-Maturity, Amortized Cost, before Other-than-temporary Impairment	22,093,000		25,477,000
Collateralized Mortgage-Backed Securities
Schedule of Investments [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	3,298,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	22,252,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	30,006,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	3,296,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	22,553,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	30,325,000
Collateralized Mortgage-Backed Securities \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(26,000)		(75,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	13,383,000		10,454,000
Debt Securities, Available-for-Sale, Amortized Cost	13,228,000		10,460,000
Debt Securities, Available-for-Sale, Unrealized Gain	181,000		69,000
Asset-Backed Securities \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(10,000)		(53,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	16,941,000		12,436,000
Debt Securities, Available-for-Sale, Amortized Cost	16,778,000		12,422,000
Debt Securities, Available-for-Sale, Unrealized Gain	173,000		67,000
Corporate Bond Securities \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(11,000)		(123,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	42,255,000		36,613,000
Debt Securities, Available-for-Sale, Amortized Cost	41,515,000		36,404,000
Debt Securities, Available-for-Sale, Unrealized Gain	751,000		332,000
US Treasury and Government \| Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	164,000		997,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	1,000		8,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0		0
Debt Securities, Held-to-maturity, Fair Value	165,000		1,005,000
US Treasury and Government \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(1,000)		(64,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	60,908,000		44,687,000
Debt Securities, Available-for-Sale, Amortized Cost	59,933,000		44,425,000
Debt Securities, Available-for-Sale, Unrealized Gain	976,000		326,000
Total Short-Term Available-for-Sale [Domain] \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(48,000)		(315,000)
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	133,487,000		104,190,000
Debt Securities, Available-for-Sale, Amortized Cost	131,454,000		103,711,000
Deposits [Member] \| Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0		0
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	14,051,000		11,869,000
Debt Securities, Available-for-Sale, Amortized Cost	14,051,000		11,869,000
Debt Securities, Available-for-Sale, Unrealized Gain	0		0
Total Long-Term Held-to-Maturity \| Other Long-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	1,000		8,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0		0
Debt Securities, Held-to-maturity, Fair Value	165,000		1,005,000
Debt Securities, Held-to-Maturity, Amortized Cost, before Other-than-temporary Impairment	164,000		997,000
US Treasury Securities [Member] \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity	13,801,000		13,179,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	34,000		21,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0		(15,000)
Debt Securities, Held-to-maturity, Fair Value	13,835,000		13,185,000
Certificates of Deposit [Member] \| Short-Term Investments
Schedule of Investments [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0		0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0		0
Debt Securities, Held-to-maturity, Fair Value	8,292,000		12,298,000
Debt Securities, Held-to-Maturity, Amortized Cost, before Other-than-temporary Impairment	$ 8,292,000		$ 12,298,000

Investment Securities (Detail_2

Investment Securities (Details) - Investment Schedule - HTM - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Schedule of Held-to-Maturity Securities [Line Items]
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One	$ 22,093,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five	164,000
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date	22,257,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	22,127,000
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	165,000
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value	22,292,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	5,902,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	109,597,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	115,499,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	5,915,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	111,298,000
Short-Term Investments
Schedule of Held-to-Maturity Securities [Line Items]
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	34,000	$ 21,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	15,000
Debt Securities, Held-to-maturity, Fair Value	22,127,000	25,483,000
US Treasury and Government \| Other Long-Term Investments
Schedule of Held-to-Maturity Securities [Line Items]
Debt Securities, Held-to-maturity	164,000	997,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	1,000	8,000
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Debt Securities, Held-to-maturity, Fair Value	165,000	$ 1,005,000
Collateralized Mortgage-Backed Securities
Schedule of Held-to-Maturity Securities [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	3,298,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	22,252,000
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	30,006,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	3,296,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	22,553,000
Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10	3,674,000
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	3,698,000
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	782,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	778,000
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value	$ 30,325,000

Other Investments (Details)

Other Investments (Details) - USD ($)	3 Months Ended		9 Months Ended
Other Investments (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments, All Other Investments [Abstract]
Purchase of Equity Interest									$ 7,000,000
Financing Receivable, Revolving	$ 7,000,000		$ 7,000,000
Financing Receivable, after Allowance for Credit Loss	2,100,000		2,100,000			$ 4,000,000
Services performed for Variable Interest Entity			200,000	$ 300,000
Financing Receivable, Revolving, Annual Increase	2,000,000		2,000,000
Preferred Stock
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Debt Securities, Available-for-Sale, Allowance for Credit Loss	(1,674,000)	$ 0	(1,674,000)	0	$ (1,674,000)	$ (1,674,000)	$ 0	$ 0
Debt Securities, Available-for-Sale, Allowance for Credit Loss, Not Previously Recorded	$ 0	$ 0	$ 0	$ 0

Fair Value (Details) - Investme

Fair Value (Details) - Investments Schedule - USD ($)	3 Months Ended		9 Months Ended
Fair Value (Details) - Investments Schedule - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023	Dec. 31, 2022
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	$ 117,213,000		$ 117,213,000
Noncontrolling Interest in Variable Interest Entity	5,326,000		5,326,000		$ 5,326,000
Assets, Fair Value Disclosure	229,843,000		229,843,000		188,745,000
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	2,209,000	$ (243,000)	1,552,000	$ (855,000)
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		0
Assets, Fair Value Disclosure	91,030,000		91,030,000		79,229,000
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		0
Assets, Fair Value Disclosure	133,487,000		133,487,000		104,190,000
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	5,326,000	$ 4,115,000	5,326,000	$ 4,115,000	5,326,000	$ 4,115,000
Assets, Fair Value Disclosure	5,326,000		5,326,000		5,326,000
Money Market Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	76,979,000		76,979,000		67,360,000
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	76,979,000		76,979,000		67,360,000
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		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		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	14,051,000		14,051,000		11,869,000
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	14,051,000		14,051,000		11,869,000
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		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		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	13,383,000		13,383,000		10,454,000
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		0		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	13,383,000		13,383,000		10,454,000
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		0		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	16,941,000		16,941,000		12,436,000
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		0		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	16,941,000		16,941,000		12,436,000
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		0		0
Total Corporate Bond Securities Member LT and ST [Domain]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	42,255,000		42,255,000		36,613,000
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		0		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	42,255,000		42,255,000		36,613,000
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		0		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	60,908,000		60,908,000		44,687,000
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		0		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	60,908,000		60,908,000		44,687,000
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		$ 0		$ 0

Fair Value (Details) - Narrativ

Fair Value (Details) - Narrative - USD ($)	9 Months Ended
Fair Value (Details) - Narrative - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	$ 5,326,000		$ 5,326,000
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss)	0	$ 0
Notes Receivable, Fair Value Disclosure	4,900,000		6,800,000
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	5,326,000		5,326,000
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss)	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value Disclosures [Abstract]
Noncontrolling Interest in Variable Interest Entity	5,326,000	4,115,000	5,326,000	$ 4,115,000
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Noncontrolling Interest in Variable Interest Entity	$ 5,326,000	$ 4,115,000	$ 5,326,000	$ 4,115,000

Claims Reserve (Details) - Rese

Claims Reserve (Details) - Reserve Rollforward - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Subscription business [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	$ 31,548	$ 21,543
Current Year Claims and Claims Adjustment Expense	464,001	400,604
Prior Year Claims and Claims Adjustment Expense	142	2,426
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	464,143	403,030
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	439,325	368,269
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	29,675	21,829
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	469,000	390,098
Claims expense non-cash	2,529	2,794
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	24,162	31,681
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	31,690	22,191
Current Year Claims and Claims Adjustment Expense	240,690	209,635
Prior Year Claims and Claims Adjustment Expense	(1,348)	651
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	239,342	210,286
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	209,862	181,535
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	28,664	21,285
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	238,526	202,820
Claims expense non-cash	0	0
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	$ 32,506	$ 29,657

Claims Reserve (Details) - Narr

Claims Reserve (Details) - Narrative - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Subscription business [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	$ 31,548	$ 21,543
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	24,162	31,681
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	464,143	403,030
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	469,000	390,098
Prior Year Claims and Claims Adjustment Expense	142	2,426
Other Segments [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Beginning Balance	31,690	22,191
Liability for Unpaid Claims and Claims Adjustment Expense, Net, Ending Balance	32,506	29,657
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	239,342	210,286
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid	238,526	202,820
Prior Year Claims and Claims Adjustment Expense	$ (1,348)	$ 651

Claims Reserve (Details) - Re_2

Claims Reserve (Details) - Reserve by Year of Occurrence $ in Thousands	Sep. 30, 2024 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	$ 24,162
Other Segments [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net	32,506
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	64
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	158
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	1,951
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	1,520
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	22,147
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	$ 30,828

Debt (Details) - Narrative

Debt (Details) - Narrative - USD ($) $ in Thousands	9 Months Ended
Debt (Details) - Narrative - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 21, 2023	Feb. 16, 2023	Dec. 29, 2022
Line of Credit Facility [Line Items]
Line of Credit Facility, Initiation Date	Mar. 25, 2022
Line of Credit Facility, Maximum Borrowing Capacity	$ 150,000
Debt Instrument, Interest Rate, Stated Percentage	10.48%
Debt Issuance Costs, Gross	$ 5,900
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
Delayed Draw Term Loan
Line of Credit Facility [Line Items]
Long-term Debt	$ 75,000		$ 25,000	$ 35,000	$ 15,000
Initial Loan
Line of Credit Facility [Line Items]
Long-term Debt		$ 60,000
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	Sep. 30, 2024 USD ($)
Debt Disclosure [Abstract]
Long-Term Debt, Maturity, Year One	$ 337,000
Long-Term Debt, Maturity, Year Two	1,350,000
Long-Term Debt, Maturity, Year Three	1,350,000
Long-Term Debt, Maturity, Year Four	72,113,000
Long-Term Debt, Maturity, Year Five	57,125,000
Long-term Line of Credit, Total	$ 132,275,000

Stock-based Compensation (Detai

Stock-based Compensation (Details) - Expense Category - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 8,340	$ 6,892	$ 25,138	$ 25,860
Share-based Compensation Arrangement by Share-based Payment Award, Capitalized Cost	93	501	425	1,660
Share-based Payment Arrangement, Expensed and Capitalized, Amount	8,433	7,393	25,563	27,520
Claims Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	847	895	2,625	2,614
Other Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	554	281	1,561	1,187
Technology and Development Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	1,259	650	3,774	1,985
General and Administrative Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	4,125	3,281	11,435	14,448
Selling and Marketing Expense [Member]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expense	$ 1,555	$ 1,785	$ 5,743	$ 5,626

Share-based Compensation (Detai

Share-based Compensation (Details) - Narrative - USD ($)	9 Months Ended
Share-based Compensation (Details) - Narrative - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Payment Arrangement, Accelerated Cost	$ 4,800,000
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	1,037,672	714,382
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 41,600,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	2 years 2 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	1 year 10 months 24 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term	1 year 10 months 24 days

Stock-based Compensation (Det_2

Stock-based Compensation (Details) - Stock Options - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
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	353,025	408,970
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	(55,445)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period	(500)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	353,025
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	$ 14.24	$ 14.09
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	13.14
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	14.93
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	$ 14.24
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	$ 9,793	$ 6,715
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	1,352
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 9,793

Stock-based Compensation (Det_3

Stock-based Compensation (Details) - Restricted Stock Units - Restricted Stock Units (RSUs) [Member] - $ / shares	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
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	1,037,672	714,382
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	902,690
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(526,251)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	(53,149)
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	$ 37.91	$ 66.64
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	28.63
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	60.13
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 46.56

Stockholders' Equity (Details)

Stockholders' Equity (Details) - shares	3 Months Ended
Stockholders' Equity (Details) - shares	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Equity, Attributable to Parent [Abstract]
Common Stock, Shares Authorized	100,000,000		100,000,000
Common Stock, Shares, Outstanding	42,340,695		41,858,866
Preferred Stock, Shares Authorized	10,000,000		10,000,000
Treasury Stock, Shares, Acquired	0	0

Comprehensive Income (Loss) (De

Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	$ 305,848	$ 288,758	$ 303,722	$ 305,297
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,805	(2,763)	1,288	48
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	2,209	(243)	1,552	(855)
Other Comprehensive Income (Loss), Net of Tax	5,014	(3,006)	2,840	(807)
Stockholders' Equity Attributable to Parent, Ending Balance	320,175	289,465	320,175	289,465
Accumulated Foreign Currency Adjustment Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	(1,593)	23	(76)	(2,788)
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax	2,805	(2,763)	1,288	48
Stockholders' Equity Attributable to Parent, Ending Balance	1,212	(2,740)	1,212	(2,740)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	(178)	(4,125)	479	(3,513)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax	2,209	(243)	1,552	(855)
Stockholders' Equity Attributable to Parent, Ending Balance	2,031	(4,368)	2,031	(4,368)
AOCI Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent, Beginning Balance	(1,771)	(4,102)	403	(6,301)
Other Comprehensive Income (Loss), Net of Tax	5,014	(3,006)	2,840	(807)
Stockholders' Equity Attributable to Parent, Ending Balance	$ 3,243	$ (7,108)	$ 3,243	$ (7,108)

Segments (Details) - Business S

Segments (Details) - Business Segments - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Segment Reporting Information [Line Items]
Revenues	$ 327,456	$ 285,853	$ 948,377	$ 812,748
Claims Expense	238,814	212,441	703,485	613,316
Other Cost of Services Sold	39,263	38,179	119,017	108,480
Technology and Development Expense	7,933	5,302	23,083	15,434
General and Administrative Expense	16,977	12,664	46,903	46,817
Selling and Marketing Expense	18,308	17,772	53,025	60,183
Depreciation, Depletion and Amortization	4,381	2,990	12,542	9,445
Income (Loss) from Equity Method Investments	(34)	4	(184)	(140)
Operating Income (Loss), Total	1,746	(3,491)	(9,862)	(41,067)
Interest Expense	3,820	3,053	11,071	8,380
Other Nonoperating Income (Expense)	(3,538)	(2,465)	(9,601)	(6,445)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	1,464	(4,079)	(11,332)	(43,002)
Subscription business [Member]
Segment Reporting Information [Line Items]
Revenues	218,986	182,906	628,738	521,369
Claims Expense	156,307	139,747	464,143	403,030
Other Cost of Services Sold	21,058	17,697	61,094	52,025
Technology and Development Expense	5,305	3,393	15,303	9,901
General and Administrative Expense	11,353	8,103	31,095	27,587
Selling and Marketing Expense	18,210	17,762	52,897	60,060
Depreciation, Depletion and Amortization	2,929	1,913	8,315	6,060
Operating Income (Loss), Total	3,824	(5,709)	(4,109)	(37,294)
Other Segments [Member]
Segment Reporting Information [Line Items]
Revenues	108,470	102,947	319,639	291,379
Claims Expense	82,507	72,694	239,342	210,286
Other Cost of Services Sold	18,205	20,482	57,923	56,455
Technology and Development Expense	2,628	1,909	7,780	5,533
General and Administrative Expense	5,624	4,561	15,808	19,230
Selling and Marketing Expense	98	10	128	123
Depreciation, Depletion and Amortization	1,452	1,077	4,227	3,385
Operating Income (Loss), Total	$ (2,044)	$ 2,214	$ (5,569)	$ (3,633)

Segments (Details) - Revenue by

Segments (Details) - Revenue by Geography - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Segment Reporting Information [Line Items]
Revenues	$ 327,456	$ 285,853	$ 948,377	$ 812,748
United States
Segment Reporting Information [Line Items]
Revenues	272,825	241,064	792,018	686,662
Canada and other
Segment Reporting Information [Line Items]
Revenues	$ 54,631	$ 44,789	$ 156,359	$ 126,086