American Pet Insurance Company

American Pet Insurance Company, doing business as Trupanion, provides service dog health insurance to the U.S. Department of Veterans Affairs as a prime contractor on a sole-source, single-award IDIQ and subordinate delivery orders, competing full-and-open with no set-aside designation.

Trupanion is a for-profit corporate entity headquartered in Seattle, Washington, operating in NAICS 524128 (Other Direct Insurance Carriers) and PSC Social-Government Insurance Programs. The vendor's federal footprint is entirely concentrated with the VA Headquarters — 32 awards totaling $142.5 million in combined potential value — with all work delivered directly by Trupanion as prime (100% of awards) and zero subcontractor engagement. The company's federal capability is singular and specialized: comprehensive health insurance coverage for service dogs assisting veterans with disabilities, delivered under a $61.3 million single-award IDIQ (contract VA11913D0008 or related) awarded February 10, 2022, and running through February 9, 2027. Representative delivery orders include an $8.8 million firm fixed-price order awarded February 10, 2026, scheduled for completion May 30, 2027 and performed in Seattle; a $7.16 million order awarded February 10, 2025, for Fredericksburg, Virginia performance ending February 9, 2027; and a $6.23 million order awarded February 10, 2024, for Fredericksburg performance.

Trupanion's activity trajectory is heavily weighted to its initial IDIQ award and annual delivery-order reissuance. The vendor recorded two awards in 2022, one in 2023, one in 2024, one in 2025, and one in 2026 — reflecting a model where the parent IDIQ anchors the relationship and the VA issues successive delivery orders on a near-annual cycle (typically February 10 of each year). Two awards totaling $16 million in combined potential value reach ultimate completion within the next twenty-four months, representing recompete exposure on the vendor's sole customer relationship.

Service Contract Inventory data captures a partial view of Trupanion's federal services activity. SCI-reportable invoicing totaled $16.9 million across FY2023–FY2025 (FY2023: $10.6 million across 3.9 FTEs; FY2025: $6.3 million across 1.8 FTEs; FY2024: no SCI records). On federal services contracts reported to SCI, median government-paid hourly rates ran approximately $1,312/hr, with senior labor pricing extending through $1,398/hr. Trupanion performed 100% of contracted hours internally across SCI-reportable records; no named subcontractors appear. These figures represent only Trupanion's federal services work above the $150,000 reporting threshold and exclude goods, products, and non-federal revenue.

The vendor's federal customer base is monolithic. All 32 awards derive from VA Headquarters, creating complete customer concentration and placing recompete risk entirely on the outcome of the next IDIQ competition or the VA's decision to renew or revise its service dog health insurance procurement strategy. Trupanion's position reflects established expertise in specialized veterinary coverage for working animals; the vendor holds no other named federal vehicles, subcontracts to other primes, or serves additional agencies.

American Pet Insurance Company is an admitted New York domiciled property and casualty insurance company with licenses across the United States. We are a highly specialized insurer and offer only one type of insurance - pet health insurance. Our goal is to provide our unique and highly specialized underwriting capabilities to a diverse group of pet insurance providers utilizing different distribution channels so that we can help increase availability of products to pet owners across America. For more information please call: 206-607-1922 or visit: http://americanpetinsurance.com/Default.htm