STOCK TITAN

Trupanion (TRUP) director Howard Rubin converts 318 RSUs into common stock

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

Rhea-AI Filing Summary

TRUPANION, INC. director Howard E. Rubin exercised previously granted restricted stock units that converted into a total of 318 shares of common stock on May 22, 2026. These RSUs convert into common stock on a one-for-one basis and were granted in connection with his service on boards of wholly-owned subsidiaries.

After these routine equity compensation-related conversions, Rubin directly holds 232,656 shares of Trupanion common stock. The filing shows only derivative exercises and no open‑market purchases or sales.

Positive

  • None.

Negative

  • None.
Insider RUBIN HOWARD E
Role null
Type Security Shares Price Value
Exercise Restricted Stock Unit (RSU) 106 $0.00 --
Exercise Restricted Stock Unit (RSU) 106 $0.00 --
Exercise Restricted Stock Unit (RSU) 106 $0.00 --
Exercise Common Stock 106 $0.00 --
Exercise Common Stock 106 $0.00 --
Exercise Common Stock 106 $0.00 --
Holdings After Transaction: Restricted Stock Unit (RSU) — 0 shares (Direct, null); Common Stock — 232,656 shares (Direct, null)
Footnotes (1)
  1. Restricted stock units convert into common stock on a one-for-one basis. On May 9, 2025, the reporting person received three separate grants of 423 RSUs each in connection with his service on the board of directors of wholly-owned subsidiaries of the Issuer. The RSUs vest and convert into common stock of the Issuer as to 1/4th of the total shares on each of August 22, 2025, November 22, 2025, February 22, 2026, and May 22, 2026, subject to continued service through each vest date.
RSUs converted 318 shares Total restricted stock units converting into common stock on May 22, 2026
Single RSU tranche size 106 shares Each RSU entry converting into common stock on May 22, 2026
Post-transaction holdings 232,656 shares Common stock directly held by Howard E. Rubin after transactions
Exercise transactions 3 Number of derivative exercises reported in transaction summary
Exercised shares 318 shares Total shares from derivative exercises in transaction summary
Individual RSU grant size 423 RSUs Three separate grants received May 9, 2025, per footnote
Restricted stock units financial
"Restricted stock units convert into common stock on a one-for-one basis."
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
one-for-one basis financial
"Restricted stock units convert into common stock on a one-for-one basis."
wholly-owned subsidiaries financial
"service on the board of directors of wholly-owned subsidiaries of the Issuer."
vest financial
"The RSUs vest and convert into common stock of the Issuer as to 1/4th of the total shares"
A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.
board of directors financial
"in connection with his service on the board of directors of wholly-owned subsidiaries"
The Board of Directors is a group of people chosen by a company's owners to help make big decisions and oversee how the company is run. They act like a team of advisors or managers, making sure the company stays on track and meets its goals. Their choices can influence the company's success and how it grows.
SEC Form 4
FORM 4UNITED 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*
RUBIN HOWARD E

(Last)(First)(Middle)
C/O TRUPANION, INC.
6100 4TH AVENUE SOUTH, SUITE 200

(Street)
SEATTLE WASHINGTON 98108

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
TRUPANION, INC. [ TRUP ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/22/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock05/22/2026M106A(1)232,656D
Common Stock05/22/2026M106A(1)232,762D
Common Stock05/22/2026M106A(1)232,868D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Unit (RSU)(1)05/22/2026M106 (2)05/22/2026(2)Common Stock106$00D
Restricted Stock Unit (RSU)(1)05/22/2026M106 (2)05/22/2026(2)Common Stock106$00D
Restricted Stock Unit (RSU)(1)05/22/2026M106 (2)05/22/2026Common Stock(2)106$00D
Explanation of Responses:
1. Restricted stock units convert into common stock on a one-for-one basis.
2. On May 9, 2025, the reporting person received three separate grants of 423 RSUs each in connection with his service on the board of directors of wholly-owned subsidiaries of the Issuer. The RSUs vest and convert into common stock of the Issuer as to 1/4th of the total shares on each of August 22, 2025, November 22, 2025, February 22, 2026, and May 22, 2026, subject to continued service through each vest date.
Remarks:
/s/ Lauren Welsh as attorney-in-fact for Howard E. Rubin05/27/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Howard E. Rubin report at Trupanion (TRUP)?

Howard E. Rubin reported exercising restricted stock units that converted into 318 shares of Trupanion common stock on May 22, 2026. These were equity compensation-related conversions, not open-market purchases or sales, and increased his directly held common stock position reported in the filing.

How many Trupanion (TRUP) shares did Howard E. Rubin acquire in this Form 4?

The Form 4 shows that Howard E. Rubin acquired 318 shares of Trupanion common stock through the conversion of restricted stock units. Each of three RSU entries for 106 units converted into common stock on a one-for-one basis on May 22, 2026, adding to his direct holdings.

Did Howard E. Rubin sell any Trupanion (TRUP) shares in this Form 4 filing?

The Form 4 does not report any sales of Trupanion shares by Howard E. Rubin. All six transactions are coded as derivative exercises or conversions (Code M), reflecting RSUs converting into common stock as part of equity compensation, with no open-market dispositions disclosed.

What is Howard E. Rubin’s Trupanion (TRUP) shareholding after these RSU conversions?

Following the reported RSU conversions, Howard E. Rubin directly holds 232,656 shares of Trupanion common stock. This figure comes from the post-transaction ownership values associated with the non-derivative common stock entries dated May 22, 2026, in the Form 4 filing.

How were Howard E. Rubin’s Trupanion (TRUP) RSUs structured and vested?

Footnotes explain that on May 9, 2025, Rubin received three grants of 423 RSUs each for service on boards of wholly-owned subsidiaries. The RSUs vest and convert into Trupanion common stock in four equal installments on specified quarterly dates, including May 22, 2026.

What does one-for-one RSU conversion mean for Trupanion (TRUP) insiders?

One-for-one RSU conversion means each restricted stock unit automatically becomes one share of common stock upon vesting. For Howard E. Rubin, three separate 106-unit RSU tranches converted into 106 shares each of Trupanion common stock on May 22, 2026, increasing his direct equity ownership.