Major Rating Factors:
Vulnerable liquidity (0.9 on a scale of 0 to 10) as a spike in claims may stretch capacity. Good overall results on stability tests (6.2) despite fair risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2021.
Other Rating Factors:
History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent profitability index (9.3) with operating gains in each of the last five years. Return on equity has been excellent over the last five years averaging 20.0%.
Stability Factors:
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
All states and PR
Principal Investments:
Investment grade bonds (48.1%), cash (12.1%), other (39.8%)
Corporate Info
Group Affiliation
Trupanion Inc
Investment Rating
Company Address
6100 Fourth Avenue, South
Seattle, WA 98108
Seattle, WA 98108
Phone Number
(888) 738-7478
NAIC Number
12190
Website
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