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- The only pet insurance provider whose underwriter is its wholly owned subsidiary
- Trupanion Express 2015
- Trupanion Express is proprietary software that facilitates point-of-sale claims processing within seconds. NOTE: Trupanion is the only pet insurance provider in the U.S. market with the ability to process and pay claims at the point of sale before the client pays his or her portion of the invoice.
- Trupanion Express integrates with veterinary practice management software and facilitates real-time and direct billing.. It took over a decade and about $20m to develop. It is only available in about 5,000 veterinary practices, although the company has been able to grow this number substantially from one year to the next. The company has about 150 field representatives who visit veterinary practices throughout the country to sell Trupanion’s software (there are between 28,000 and 32,000 total veterinary practices in the United States, so there’s progress to be made). [as of 12/2020]
- Partnerships: Aflac, State Farm
In 2019, Trupanion sued Embrace after Embrace attempted to develop its own version of Trupanion Express, Trupanion’s proprietary software that integrates with veterinary practice management software to facilitate direct pay to veterinarians.
In March 2021, TCR became aware that Embrace is on a list of users of VeNom Codes a U.K.-based veterinary diagnostic coding system. Embrace’s leaders have declined repeated requests to discuss the Venom listing.
Trupanion’s competitors point to Trupanion’s complaint against Embrace as an example of Trupanion’s refusal to play in the sandbox.
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