Better Health for All

Trupanion's core business is pet medical insurance, which aims to improve pet health outcomes by increasing access to care

, covering over 1,082,000 pets as of Q3 2025. The company's entire business is devoted to pet health improvement, with 100% of its revenue derived from pet medical insurance , which has no negative health outcomes. Trupanion has paid over $540 million in veterinary invoices in 2023 and $2.5 billion over the past two decades. The company also introduced a Pet & Public Health Early Warning & Detection System to identify illness trends. However, the company's services are not universally accessible, as 4 out of 5 pet owners cannot afford a surprise veterinary bill , and veterinary inflation has risen at twice the rate of overall inflation since 2013. Trupanion's corporate social responsibility report mentions diversity, equity, and inclusion programs for employees but does not provide specific program details or metrics for addressing health disparities among pet owners. The company supports the veterinary community through direct payments, webinars, and a partnership with Not One More Vet (NOMV) to address mental wellness in the veterinary profession , including a donation of over $5.5 million in stock to MightyVet. Trupanion has not reported any information security or data breaches in the last five years. The company provided aid to pets and veterinary professionals in Ukraine during the 2022 crisis and donated to organizations supporting pets affected by the 2023 Hawaii and Canadian fires. Trupanion offers webinars on canine respiratory illness.

Fair Money & Economic Opportunity

Trupanion does not offer lending or deposit services, so KPIs related to APRs, debt burden, or lending compliance are not applicable.

The company's core business is pet insurance. Trupanion states its products require a middle school reading level (grade 8-9), indicating a simplification project is underway. The company offers a complimentary program and free support for shelters and rescues, providing 30 days of immediate coverage for adopted pets. Trupanion also provides pet parent education and helpful resources. The company has paid out over $3 billion in vet bills and over 98% of members renew their policy monthly. Trupanion partnered with the Multicultural Veterinary Medical Association (MCVMA) and Not One More Vet (NOMV) to promote diversity, equity, and inclusion within the veterinary profession, committing $250 for every new hospital that downloads its payment solution software and issuing 50,000 shares of stock, valued at over $4.5 million, to MightyVet to support veterinary professionals. Trupanion is a BBB Accredited Business with an A+ rating, with 200 complaints in the last 3 years, 57 of which were closed in the last 12 months.

Fair Pay & Worker Respect

In 2024, the CEO's total compensation was 50 times the median employee pay, which was $95,548.

Employee reviews are mixed, with some praising company culture and work-life balance, while others criticize pay, lack of advancement, and management communication. Reviews mention 'low pay' as a significant concern and high turnover rates, particularly for new hires and in customer service. Benefits are generally considered good, including health insurance and free pet insurance, but specific coverage percentages are not provided.

Fair Trade & Ethical Sourcing

Trupanion does not procure or trade physical commodities, making fair-trade certification for inputs not applicable. The company reports no substantiated forced or child labor incidents.

Its Human Rights Policy strictly prohibits all forms of child labor, human trafficking, slavery, and forced labor for any employee. A Vendor Code of Conduct, amended on May 12, 2023, outlines high standards of ethical business conduct for suppliers, including prohibitions on child and forced labor, and requirements for minimum wages and legal work hours.

Honest & Fair Business

Trupanion has a 'None' controversy level according to Sustainalytics data.

The company has a whistleblower and complaint policy that includes procedures for anonymous reporting, but there is no evidence of independent investigation processes or effectiveness metrics. An anti-corruption policy is in place, outlining prohibited conduct, including bribery, gift restrictions, and due diligence for third-party relationships, and mentions FCPA training requirements for personnel. However, there is no evidence regarding the frequency of training or effectiveness metrics.

Kind to Animals

Trupanion is a service-oriented company providing pet insurance, and its core business model does not involve animal-derived products, animal testing, animal husbandry, or animal agriculture.

Therefore, KPIs related to cruelty-free certification, alternative testing, humane operations, ethical input substitution, supplier audits, cage-free sourcing, animal testing policy/volume, innovation investment in animal-free tech, animal agriculture ethics, and animal-free R&D collaboration are not applicable. The company's Vendor Code of Conduct does not mention animal welfare. While Trupanion engages in various philanthropic activities supporting pet welfare and local communities, and its team members participated in a habitat restoration project, these actions do not provide the specific quantitative data required by the rubric for KPIs like wildlife conservation impact or public policy engagement.

No War, No Weapons

Trupanion, Inc. operates exclusively in the pet insurance industry. The company has no involvement in military contracting, controversial weapons, or small arms.

Its core business activities, such as processing veterinary invoices and protecting pets, are entirely unrelated to defense or arms. There is no evidence of dual-use technologies, sales to embargoed regimes, defense-related lobbying, or procurement from conflict zones. Consequently, the company has no defense-related assets to divest, no need for ethical red lines concerning weapons, and no requirement for war-risk audits or Arms Trade Treaty compliance.

Respect for Cultures & Communities

No specific, concrete data points were found in the provided article to assess Trupanion (TRUP.US) against the 'Respect for Cultures & Communities' ethical value.

The article focuses exclusively on pet insurance policies, coverage details, and payout processes, without mentioning any community engagement, cultural impact, or related metrics for any of the defined KPIs.

Safe & Smart Tech

Trupanion provides regular, mandatory security training for all team members covering general security concepts, cybersecurity, and physical threats.

The company utilizes access controls solutions for authentication. Trupanion states compliance with the Payment Card Industry Data Security Standard (PCI DSS) in North America. The company conducts vulnerability testing and reports that critical vulnerabilities are patched within 21-30 days on average. Trupanion engages independent third parties to assess cybersecurity measures, including audits and reviews of its information security control environment and operating effectiveness across 55-70% of its systems. The company maintains posted privacy policies and practices concerning the collection, use, and disclosure of member data on its website, and incurs expenses to comply with privacy and security standards. Trupanion is subject to and complies with the NYDFS Cybersecurity Regulation, as well as U.S. federal and state laws, Canadian, and Bermuda regulations.