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KNSL: The Cognitive Dissonance – Give Me an Insurance Policy With Nothing!

March 16th, 2026

“Hey Jimmy, give me a cheese with nothing! Nothing????” Polly-O String Cheese commercial “We received an Excess proposal from $KNSL on our business. Pricing was fair. What concerns me is they omit a lot of...

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TRUP: When 4% Penetration of the TAM Becomes Worrisome and the Four Other Things That Matter Most from TRUP’s 4Q25...

February 13th, 2026

Since the day the company went public, the mandate for Trupanion management has been one grand exercise in narrative creation and getting investors to focus on self-created (and oft changed)...

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KNSL: Increasingly Challenging Questions for the Insurer of Last Resort

October 24th, 2025

A year ago today, we published our first report on KNSL: “An Insurer of Last Resort Riding an E&S Pricing Wave; Time to Get Short wit ha  Price Objective of $230”.  We encourage you to read our initial report in which we...

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TRUP: Trupanion’s Crisis in Florida, the Rate Spiral, and Other Things That Were Not Discussed at the Company’s...

September 18th, 2025

“Trupanion’s product is designed to be used. It is designed with a lifetime per condition deductible and with the pricing at the age of enrollment to ensure that coverage can truly be...

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TRUP: Management’s Comments on Pricing Should Really Bother You Just Ask the Nevada Regulators; Former TRUP Execs...

August 14th, 2025

“Yes. I mean our pricing is set for the back half of the year. So, we're not going to be adjusting any rates that our members are going to be seeing right now because we set them around a...

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TRUP: DEAD COMPANY WALKING; Enrollment Growth Collapses Just as TRUP Jacks Up Rates Again; Trust These Executives at...

August 8th, 2025

“We are continuing to work with regulators to get rate. We have around 40% of our book, if not a little bit more, are priced ahead of the curve. So, what I mean by that is pet parents have got...

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TRUP: The Key Questions Facing TRUP as Pricing Continues to Go on “TILT” in a Clear Sign of an Insurance Rate Spiral

July 18th, 2025

“We are continuing to work with regulators to get rate. We have around 40% of our book, if not a little bit more, are priced ahead of the curve. So, what I mean by that is pet parents have got...

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TRUP: Trupanion’s California Conundrum Looks Like a Case Study in an Insurance Rate Spiral

May 29th, 2025

“We are continuing to work with regulators to get rate. We have around 40% of our book, if not a little bit more, are priced ahead of the curve. So, what I mean by that is pet parents have got pricing in place that...

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TRUP: More of the Same from TRUP as the Company Continues to Hemorrhage Share in the Suddenly SLOWING Pet Insurance...

May 2nd, 2025

If we take one giant step back and remove ourselves from the “weeds” of Trupanion, the one conclusion we can make about the company’s earnings results is that it was simply...

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TRUP: The Key Questions TRUP Faces Heading into 1Q25 Earnings as the Insurance Rate Spiral Is Increasingly Laid Bare

April 30th, 2025

In what can only be described as a pyrrhic victory, we were modestly encouraged by the stock price action in TRUP over the past few weeks.  That warrants an explanation.   For almost a...

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KNSL: Where Pricing, Aggressive Exclusions, and Litigation Prowess Get Confused for Operational Efficiency and...

April 25th, 2025

Imagine our horror over the past 2-3 weeks as the market experiences a crash of sorts in response to the Liberation Day tariffs and investors pile into KNSL of all stocks in a “flight to...

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TRUP: The Jaws Are Closing Quickly in the “Trupanion Trap”

February 20th, 2025

If you’re still not convinced that price action determines the narrative around any given stock, consider the following changes in how investors think about TRUP:   • Ten weeks ago: Trupanion is a market leader poised to profitably...

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KNSL: Slowing Growth Brings Investors Closer to Seeing KNSL For What the Company Really Is

February 14th, 2025

“Also of note, the appreciation of Kinsale's stock price over the course of 2024 exceeded that of the S&P 500 Index for the eighth time in the last 9 years since our IPO back in...

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TRUP: A Broken Product - State Level Data Puts TRUP’s “Insurance Rate Spiral” in Full Relief as Base Rates Reach...

January 9th, 2025

As far as our work on TRUP is concerned, we were delighted to turn the page on 2024. If you told us that TRUP would witness a massive deceleration in enrollment growth, persistently high churn, and...

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