Golden Retriever and Grey Cat Snuggling

Medical Record Summary

You deserve complete transparency—and we’ll provide it from the start

You should know exactly what to expect from your coverage. That’s why our members receive a Medical Record Summary (formally Coverage Summary) that details each pet’s health history, listing anything that existed before coverage began. We start collecting your pet’s medical records as soon as your waiting periods have ended so that your personalised document can be created.

We’re unique in the industry in providing this level of transparency from the start.


Because we love informed decisions and want you to fully understand your pet’s coverage from Trupanion.

The Medical Record Summary also helps us spend less time reviewing medical records and more time approving claims, leaving you to get back to snuggles and belly rubs. And while we do our very best to collect all records, if additional medical records are uncovered after we issue your Medical Record Summary, we may alter and reissue your report.

Our personalised Medical Record Summaries show exactly what you can expect from your pet’s coverage

Green Medical Record Summary

No Pre-Existing Conditions

Medical Record Summaries are based on the complete records provided to us and is guaranteed for the lifetime of the pet’s coverage. We make every effort to ensure they are accurate. It will change only if we get new information from you or your veterinarian that relates to the health history before your cover starts or during waiting periods.

Orange Medical Record Summary

Let’s look at this example


If Toby had SKIN ALLERGIES in future, they would be ineligible for cover.


If Toby had a FEVER in future our claims specialists would check whether the condition is MEDICALLY RELATED to the previous fever. Lot’s of injuries and illnesses cause fevers and we don’t think it’s fair that just because Toby had a fever before he should be excluded from cover for medically unrelated conditions.

Sign up for total transparency and keep surprises for the fun things.