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Trupanion (TRUP) investor relations material

Trupanion Investor Day 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor Day 2025 summary17 Sep, 2025

Strategic vision and future plans

  • The company is entering a new strategic phase focused on product innovation, channel development, and geographic expansion, with a significant push in Europe, especially Germany.

  • Investment in the food initiative aims to capture a share of the $60B pet food market, with the product expected to be margin accretive.

  • Channel partnerships, affiliate relationships, and veterinary partnerships are prioritized, with dedicated teams and digital assets driving growth.

  • International business is expanding rapidly, with launches in Germany, Switzerland, Czechia, Slovakia, and Belgium, and harmonized technology and operations supporting efficient growth.

  • All territories are enabled for growth through technology launches, distribution alignment, and operational harmonization.

Financial guidance and performance

  • Five-year revenue CAGR is 23%, with subscription revenue CAGR at 21%, and full-year 2025 revenue guidance raised to a midpoint of $1.426B.

  • Adjusted Operating Income (AOI) rebounded with a 54% YoY increase in 2024, projected to grow 30% in 2025 to $108M, and 2025 AOI guidance at $146M, a 27.5% YoY increase.

  • Over $3.5B in claims have been paid, with daily claims volume at 1.7 million, reflecting high product utilization.

  • Free cash flow reached $61M over the past four quarters, driven by higher AOI, and $65M in capital released from the insurance entity over two years.

  • The company raised guidance for revenue, subscription revenue, and AOI for the year, citing strong first-half performance.

Business developments and operational improvements

  • Retention remains a top priority, with industry-leading rates and targeted messaging for cohorts experiencing higher rate increases.

  • Acquisition spend is increasing, focusing on brand exposure, test spend, and responsible growth, especially in core channels and digital conversion.

  • Technology investments, including the Vision platform and Vet Portal, have improved automation, reduced claim processing times to under 25 hours, and increased operational efficiency.

  • Over one third of invoices are paid directly to vets in under five minutes, with automation rates in the vet portal at approximately 70%.

  • The company is leveraging AI for productivity gains, quality assurance, and to enhance digital and member experiences.

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Q3 202529 Oct, 2025
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Frequently asked questions

Trupanion, Inc. provides medical insurance for cats and dogs throughout the United States and Canada. Trupanion is an enrolled agent of American Pet Insurance Company, offering disease and accident coverage with no payout limits per incident, per year, or over the lifetime of the pet. It also offers an enrollment option for pre-existing conditions to individuals seeking coverage in certain states and a $0 deductible option for dogs and cats.

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