# EDGAR Filing Document

**Accession Number:** 0001371285
**File Stem:** 0001371285-25-000238
**Filing Date:** 2025-10
**Character Count:** 13675
**Document Hash:** 6c60f423791f93907d46c1abc1c9c409
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001371285-25-000238.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001371285-25-000238

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20251030

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TRUPANION, INC.
- **CENTRAL INDEX KEY:** 0001371285
- **STANDARD INDUSTRIAL CLASSIFICATION:** HOSPITAL & MEDICAL SERVICE PLANS [6324]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-36537
- **FILM NUMBER:** 251435764

**BUSINESS ADDRESS:**
- **STREET 1:** 6100 4TH AVENUE SOUTH
- **STREET 2:** SUITE 400
- **CITY:** SEATTLE
- **STATE:** WA
- **ZIP:** 98108
- **BUSINESS PHONE:** 888-733-2685

**MAIL ADDRESS:**
- **STREET 1:** 6100 4TH AVENUE SOUTH
- **STREET 2:** SUITE 400
- **CITY:** SEATTLE
- **STATE:** WA
- **ZIP:** 98108

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRUPANION INC.
- **DATE OF NAME CHANGE:** 20131114

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VETINSURANCE INTERNATIONAL INC
- **DATE OF NAME CHANGE:** 20060802

?xml version='1.0' encoding='ASCII'? trup-20251030

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, DC 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the**

**Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): October 30, 2025**

**TRUPANION, INC.**

**(Exact name of registrant as specified in its charter)**

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| | | |
|:---|:---|:---|
| **Delaware** | **001-36537** | **83-0480694** |
| **(State or other jurisdiction of**<br>**incorporation)** | **(Commission**<br>**File Number)** | **(IRS Employer**<br>**Identification No.)** |

---

**6100 4th Avenue S, Suite 400**

**Seattle, Washington 98108**

**(Address of principal executive offices, including zip code)**

**(855) 727 - 9079**

**(Registrant's telephone number, including area code)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| <u>Title of each class</u> | <u>Trading Symbol</u> | <u>Name of each exchange on which registered</u> |
| Common stock, $0.00001 par value per share | TRUP | The NASDAQ Stock Market LLC |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 5.02 &nbsp;&nbsp;&nbsp;&nbsp;Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.**

***Appointment of Director***

On October 29, 2025, the board of directors (the "Board") of Trupanion, Inc. (the "Company") appointed Bradley S. Powell as a director. Mr. Powell, 65, served as Chief Financial Officer of Expeditors International of Washington, Inc. a publicly-traded global logistics company from October 2008 to September 2025. Prior to joining Expeditors, Mr. Powell served as Chief Financial Officer of Eden Bioscience Corporation, a publicly-traded biotechnology company, from July 1998 to September 2008, during which time he led the company through a successful initial public offering in 2000. He holds a B.S. in Accounting from Central Washington University. Mr. Powell was chosen to serve on the Board based on his accounting and financial acumen and his public company experience.

Mr. Powell is an "independent director" under Nasdaq listing rule and he does not have any (i) arrangement or understanding with any person pursuant to which he was appointed as a member of the Board, (ii) family relationships with any of the Company's directors or executive officers, or (iii) direct or indirect material interest in any transaction required to be disclosed pursuant to Item 404(a) of Regulation S-K. The Company has entered into its standard form of indemnification agreement with Mr. Powell, who will participate in the Company's Compensation Program for Non-Employee Directors.

Mr. Powell will serve for a term expiring at the annual meeting of stockholders held in 2026.

**Item 9.01 &nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

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| | | |
|:---|:---|:---|
| **(d)** | **Exhibits** | |
| | <u>Exhibit No.</u> | <u>Description</u> |
| | <u>[99.1](ex991bodbradpowell.htm)</u> | Press release dated October 30, 2025 |
| | 104 | Cover Page Interactive Data File (formatted as Inline XBRL) |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| **TRUPANION, INC.** | **TRUPANION, INC.** |
| By: | /s/ Margi Tooth |
|  | Name: Margi Tooth |
|  | Title: President |

---

Date: October 30, 2025

## Exhibit 99.1

**<u>Exhibit 99.1</u>**

![trulogoenrgb2018a02a.jpg](trulogoenrgb2018a02a.jpg)

**Trupanion Appoints Bradley Powell to Board of Directors**

SEATTLE, October 30, 2025 – Trupanion, Inc. (Nasdaq: TRUP), a leader in medical insurance for cats and dogs, announced today the appointment of Bradley Powell, former Chief Financial Officer of Expeditors International of Washington, to the Company's Board of Directors.

"We are delighted to welcome Brad to our Board of Directors," said Margi Tooth, Chief Executive Officer and President of Trupanion. "His long tenure as CFO of Expeditors, a company with a fantastic long-term track record, gives him a deep understanding of financial discipline, strategic growth, and shareholder value creation. We look forward to leveraging his insights as we continue to scale and take Trupanion to the next level."

"Having led financial and operational teams at global companies, I've long appreciated how sustained growth is achieved through disciplined execution and a purpose-driven culture," said Brad Powell. "At Trupanion, that strong record of growth reflects both the clarity of the company's mission and the commitment of its team. I'm eager to contribute to the company as it strives to deliver sustainable, long-term value."

Mr. Powell served as Chief Financial Officer at Expeditors International of Washington, Inc. (NYSE: EXPD), a publicly traded global logistics company, from October 2008 to September 2025. Prior to joining Expeditors, Mr. Powell served as Chief Financial Officer of Eden Bioscience Corporation, a publicly traded biotechnology company, from July 1998 to September 2008, during which time he led the company through a successful initial public offering in 2000. Mr. Powell holds a BS in Accounting from Central Washington University.

**About Trupanion**

Trupanion is a leader in medical insurance for cats and dogs throughout the United States, Canada, and certain countries in Continental Europe with over 1,000,000 pets currently enrolled. For over two decades, Trupanion has given pet owners peace of mind so they can focus on their pet's recovery, not financial stress. Trupanion is committed to providing pet parents with the highest value in pet medical insurance with unlimited payouts for the life of their pets. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company or ZPIC Insurance Company and, in Canada, by Accelerant Insurance Company of Canada or GPIC Insurance Company. Policies are sold and administered in Canada by Canada Pet Health Insurance Services, Inc. dba Trupanion 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2 and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Canada Pet Health Insurance Services, Inc. is a registered damage insurance agency and claims adjuster in Quebec #603927. For more information, please visit trupanion.com.

**Forward-Looking Statements** 

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 relating to, among other things, expectations, plans, prospects and financial results for Trupanion, including, but not limited to, its expectations regarding its ability to continue to grow its enrollments and revenue, deliver sustainable and long-term value, and otherwise execute its business plan. These forward-looking statements are based upon the current expectations and beliefs of Trupanion's management as of the date of this press release, and are

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subject to certain risks and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. All forward-looking statements made in this press release are based on information available to Trupanion as of the date hereof, and Trupanion has no obligation to update these forward-looking statements.

In particular, the following factors, among others, could cause results to differ materially from those expressed or implied by such forward-looking statements: the ability to achieve or maintain profitability and/or appropriate levels of cash flow in future periods; the ability to keep growing our membership base and revenue; the accuracy of assumptions used in determining appropriate member acquisition expenditures; the severity and frequency of claims; the ability to maintain high retention rates; the accuracy of assumptions used in pricing medical plan subscriptions and the ability to accurately estimate the impact of new products or offerings on claims frequency; actual claims expense exceeding estimates; regulatory and other constraints on the ability to institute, or the decision to otherwise delay, pricing modifications in response to changes in actual or estimated claims expense; the effectiveness and statutory or regulatory compliance of our Territory Partner model and of our Territory Partners, veterinarians and other third parties in recommending medical plan subscriptions to potential members; the ability to retain existing Territory Partners and increase the number of Territory Partners and active hospitals; compliance by us and those referring us members with laws and regulations that apply to our business, including the sale of a pet medical plan; the ability to maintain the security of our data; fluctuations in the Canadian currency exchange rate; the ability to protect our proprietary and member information; the ability to maintain our culture and team; the ability to maintain the requisite amount of risk-based capital; our ability to implement and maintain effective controls, including to remediate material weaknesses in internal controls over financial reporting; the ability to protect and enforce Trupanion's intellectual property rights; the ability to successfully implement our alliance with Aflac; the ability to continue key contractual relationships with third parties; third-party claims including litigation and regulatory actions; the ability to recognize benefits from investments in new solutions and enhancements to Trupanion's technology platform and website; our ability to retain key personnel; and deliberations and determinations by the Trupanion board based on the future performance of the company or otherwise.

For a detailed discussion of these and other cautionary statements, please refer to the risk factors discussed in filings with the Securities and Exchange Commission (SEC), including but not limited to, Trupanion's Annual Report on Form 10-K for the year ended December 31, 2024 and any subsequently filed reports on Forms 10-Q, 10-K and 8-K. All documents are available through the SEC's Electronic Data Gathering Analysis and Retrieval system at https://www.sec.gov or the Investor Relations section of Trupanion's website at https://investors.trupanion.com.

**<u>Contacts:</u>**

Laura Bainbridge, Senior Vice President, Corporate Communications

Gil Melchior, Director, Investor Relations

Investor.Relations@trupanion.com