STOCK TITAN

Trupanion (TRUP) COO logs RSU grant, vesting and tax-share withholding

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

TRUPANION, INC. Chief Operating Officer John R. Gallagher reported equity compensation activity involving restricted stock units and common shares. On February 20, 2026, he received a grant of 16,609 RSUs that vest over time, beginning May 22, 2026.

On February 22, 2026, multiple RSU tranches vested and converted one-for-one into common stock through derivative exercises, increasing his direct common share holdings. On the same date, a total of 1,908 common shares were withheld at $27.16 per share to cover tax obligations, which the footnotes state does not represent a sale by Gallagher. After these transactions, he directly held 36,714 shares of common stock.

Positive

  • None.

Negative

  • None.
Insider GALLAGHER JOHN R
Role Chief Operating Officer
Type Security Shares Price Value
Exercise Restricted Stock Unit (RSU) 2,570 $0.00 --
Exercise Restricted Stock Unit (RSU) 864 $0.00 --
Exercise Restricted Stock Unit (RSU) 3,327 $0.00 --
Exercise Common Stock 2,570 $0.00 --
Tax Withholding Common Stock 762 $27.16 $21K
Exercise Common Stock 864 $0.00 --
Tax Withholding Common Stock 210 $27.16 $6K
Exercise Common Stock 3,327 $0.00 --
Tax Withholding Common Stock 936 $27.16 $25K
Grant/Award Restricted Stock Unit (RSU) 16,609 $0.00 --
Holdings After Transaction: Restricted Stock Unit (RSU) — 0 shares (Direct); Common Stock — 34,431 shares (Direct)
Footnotes (1)
  1. Restricted stock units convert into common stock on a one-for-one basis. This Form 4 discloses the shares of common stock that have been withheld by the issuer to satisfy its income tax withholding and remittance obligations in connection with the vesting of the restricted stock units, and does not represent a sale by the reporting person. On February 20, 2026, the reporting person was granted 16,609 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2026, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date. On February 27, 2024, the reporting person was granted 20,559 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2024, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date. On November 12, 2024, the reporting person was granted 13,838 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/4th of the total shares on November 22, 2025, after which 1/16th of the total shares vest quarterly, subject to continued service through each vest date. On February 27, 2025, the reporting person was granted 26,619 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2025, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date.
SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
GALLAGHER JOHN R

(Last) (First) (Middle)
6100 4TH AVENUE S
SUITE 200

(Street)
SEATTLE WA 98108

(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
TRUPANION, INC. [ TRUP ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
Chief Operating Officer
3. Date of Earliest Transaction (Month/Day/Year)
02/20/2026
4. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 02/22/2026 M 2,570 A (1) 34,431 D
Common Stock 02/22/2026 F 762(2) D $27.16 33,669 D
Common Stock 02/22/2026 M 864 A (1) 34,533 D
Common Stock 02/22/2026 F 210(2) D $27.16 34,323 D
Common Stock 02/22/2026 M 3,327 A (1) 37,650 D
Common Stock 02/22/2026 F 936(2) D $27.16 36,714 D
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Restricted Stock Unit (RSU) (1) 02/20/2026 A 16,609 (3) 02/22/2028(3) Common Stock 16,609 $0 16,609 D
Restricted Stock Unit (RSU) (1) 02/22/2026 M 2,570 (4) 02/22/2026(4) Common Stock 2,570 $0 0 D
Restricted Stock Unit (RSU) (1) 02/22/2026 M 864 (5) 11/22/2028(5) Common Stock 864 $0 9,514 D
Restricted Stock Unit (RSU) (1) 02/22/2026 M 3,327 (6) 02/22/2027(6) Common Stock 3,327 $0 13,310 D
Explanation of Responses:
1. Restricted stock units convert into common stock on a one-for-one basis.
2. This Form 4 discloses the shares of common stock that have been withheld by the issuer to satisfy its income tax withholding and remittance obligations in connection with the vesting of the restricted stock units, and does not represent a sale by the reporting person.
3. On February 20, 2026, the reporting person was granted 16,609 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2026, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date.
4. On February 27, 2024, the reporting person was granted 20,559 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2024, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date.
5. On November 12, 2024, the reporting person was granted 13,838 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/4th of the total shares on November 22, 2025, after which 1/16th of the total shares vest quarterly, subject to continued service through each vest date.
6. On February 27, 2025, the reporting person was granted 26,619 restricted stock units (RSUs). The RSUs vest and convert into common stock of the Issuer as to 1/8th of the total shares on May 22, 2025, after which 1/8th of the total shares vest quarterly, subject to continued service through each vest date.
Remarks:
/s/ Lauren Welsh as attorney-in-fact for John R. Gallagher 02/24/2026
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did TRUP COO John R. Gallagher report on this Form 4?

John R. Gallagher reported RSU vesting, a new RSU grant, and related common stock tax-withholding. Several restricted stock unit awards converted into common shares, and shares were withheld to satisfy income tax obligations, increasing his direct holdings to 36,714 common shares.

How many restricted stock units did TRUP grant to COO John R. Gallagher in February 2026?

On February 20, 2026, John R. Gallagher received a grant of 16,609 restricted stock units. According to the vesting schedule, one-eighth vests on May 22, 2026, with additional one-eighth portions vesting quarterly thereafter, subject to his continued service with the company.

How do John R. Gallagher’s new RSUs in TRUP vest over time?

The 16,609 RSUs granted on February 20, 2026 vest in installments. One-eighth of the total vests and converts into common stock on May 22, 2026, then one-eighth vests quarterly afterward, provided Gallagher remains in service through each vesting date.

Did TRUP COO John R. Gallagher sell common stock in these reported transactions?

The Form 4 indicates no open-market sales by Gallagher. Shares labeled with transaction code “F” were withheld by the issuer to cover income tax obligations upon RSU vesting, and the footnote explicitly states this withholding does not represent a sale by the reporting person.

What is John R. Gallagher’s direct common stock ownership in TRUP after these transactions?

After the February 22, 2026 transactions, Gallagher directly owns 36,714 shares of TRUP common stock. This figure reflects RSU conversions into common shares and the withholding of certain shares to satisfy tax obligations associated with the vesting events.

What earlier RSU grants to TRUP COO John R. Gallagher are referenced and how do they vest?

Footnotes reference RSU grants from February 27, 2024; November 12, 2024; and February 27, 2025. Each award vests in scheduled fractions—such as one-eighth or one-fourth initially, then quarterly portions—contingent on Gallagher’s continued service through the respective vesting dates.