Trupanion's direct vet payment feature requires deep integration with veterinary practice management systems, giving them extensive access to your pet's complete medical records. As a publicly traded company with international operations, data is subject to corporate disclosure requirements. Their reinsurance relationships mean pet health data is shared with financial partners who assess policy risk.
| Data Type | Collected | Shared | Sold |
|---|---|---|---|
| Owner identity and contact | Yes | Yes | No |
| Complete veterinary records | Yes | Reinsurers | No |
| Vet practice relationships | Yes | Network | No |
| Claims and treatment history | Yes | Yes | No |
| Payment information | Yes | Processors | No |
| Pet breed and genetics | Yes | Actuarial | No |
To pay vets directly, Trupanion integrates with practice management software. This gives them access to your pet's full medical history, not just claims-related records.
Trupanion uses reinsurance partners to manage policy risk. Your pet's detailed medical and claims history is shared with these financial companies.
Trupanion maintains relationships with thousands of vet clinics. Your vet visits and the practices you use become part of their network data.
As a public company, aggregated customer and claims data appears in investor reports and SEC filings. While anonymized, patterns may be identifiable.
Given their lifetime coverage model, Trupanion retains complete claims and medical history for your pet's entire life—potentially 15+ years.
Trupanion explicitly states they don't sell personal information. Data sharing is limited to operational purposes.
As a Canadian-headquartered company, Trupanion complies with PIPEDA, providing additional privacy protections for Canadian customers.