Furkin Pet Insurance Review 2024
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Discover the methodologyFurkin Pet Insurance offers a simple comprehensive plan with a large $20,000 annual maximum benefit with no per-incident or per-illness caps. It lets you choose from three flexible deductibles starting at $100 and a reimbursement rate of 80% tailored to fit various budgets. It covers a broad spectrum of veterinary services including diagnostics, surgery, and emergency care, complemented by 24/7 access to a telehealth hotline and a Petriage subscription for symptom analysis. While it excels in covering major medical expenses, Furkin does not include routine or preventive care and excludes pre-existing conditions.
Furkin Pet Insurance: Key Takeaways
- Pets covered: Dogs, cats
- Plans: One simple comprehensive plan
- Annual Coverage Options: $20,000
- Premium: $90.35/month approx (for a 5-year-old labrador retriever, $300 deductible)
- Reimbursement rate: 80%
- Annual deductible: $100, $300, $750* (age-based)
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Our 2024 review of Furkin Pet Insurance
Furkin Pet Insurance offers a single, straightforward plan that provides up to $20,000 in annual coverage. This coverage is relatively high compared to competitors like Pets Plus Us ($7,500 or $15,000) and Fetch Pet Insurance ($15,000). Furkin's plan covers exam fees, hospitalization, surgery, diagnostics, imaging, prescription medications, and various alternative therapies. Furkin does not have a per-condition or per-illness annual limit making sure your pet gets the maximum care.
The reimbursement rate with Furkin is 80%, which aligns with industry standards but is lower than Trupanion Pet Insurance's 90% with no annual coverage limit. You can choose your deductible from $100, $300, or $750* based on your budget. Additional benefits include coverage for advertising and rewards if your pet is lost, trip cancellation due to pet emergencies, and emergency boarding fees.
Unlike some competitors, Furkin does not offer wellness or preventive care coverage or additional plan options, focusing instead on a single comprehensive package. It does not cover pre-existing conditions, non-emergency travel expenses, and routine or preventive care, similar to the exclusions seen with many insurers.
Furkin Pet Insurance costs could be more expensive than other providers for older pets due to the age-based deductible that increases significantly as your pet gets older.
Furkin Pet Insurance is therefore best for pet owners seeking high annual coverage and extensive medical benefits for diagnostics, surgery, and emergency care. It’s ideal for those who prioritize coverage for significant medical expenses over routine or preventive care.
What are the pros and cons of Furkin Pet Insurance?
Pros of Furkin Pet Insurance
- High annual limit: $20,000 per year.
- Comprehensive coverage: Covers diagnostics, hospitalization, surgery, prescriptions, alternative therapies.
- Flexible Deductibles: $100, $300, $750* (age-based)
- 24/7 Telehealth: Immediate veterinary advice.
- Multi-Pet Discount: 5% discount for insuring multiple pets.
- No Per-Condition Limits: Unlimited claims per condition.
- Positive customer experience: Furkin Pet Insurance reviews are largely positive for customer service
Cons of Furkin Pet Insurance
- No Wellness/Preventive Care: Routine care not included.
- Age Limit: No coverage for pets over 14 years at enrollment.
- Not available in Quebec.
- No Direct Vet Payment: Requires upfront payment and reimbursement.
- No unlimited coverage option
Before choosing to get Furkin Pet Insurance Canada, make sure to compare their policy to that of other insurers on the market. Use our free tool below to compare pet insurance quotes online and get instant results.
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What does Furkin Pet Insurance cover?
Furkin offers coverage for a wide range of veterinary expenses. The company’s policies typically include the following:
Professional Services Coverage
- Alternative Therapies: Includes acupuncture, chiropractic services, veterinary orthopedic manipulation (VOM), hydrotherapy, massage therapy, physiotherapy, and laser treatments.
- Anesthesia and Surgery.
- Applicable Taxes
- Diagnostics
- Emergency Care
- Exam Fees
- Hospitalization
- Imaging: Coverage for CT scans, MRI, and X-rays.
- Medical Procedures
- Prescription Medications
- Referral and Specialist Fees
Specific Coverage Details
- Alternative Therapies: Eligible if provided by or supervised by a licensed veterinarian, related to an eligible accident or illness.
- Behavioural Therapy: Includes consultations and behavioural modification therapy if referred by a veterinarian.
- Coverage While Traveling: Covered in the U.S., Canada, and U.S./Canadian government-controlled regions, reimbursed on a dollar-for-dollar basis.
- Dental Tooth Fracture: Covers extraction of fractured non-diseased teeth due to trauma, including surgery and anesthetics.
- Medical Devices: Covered up to $500 per eligible condition; includes devices like glucometers and orthopedic braces.
- Parasites: Treatment covered if diagnosed and preventive measures were taken.
- Prescription Diet Food: Up to $100 per cat and $250 per dog annually, for necessary therapy prescribed by a vet.
- Euthanasia: Costs covered if recommended for a condition eligible under the policy.
Additional Benefits
- Boarding Fees: Up to $1,000 per incident, max $30 per day if the owner is hospitalized.
- Holiday/Trip Cancellation: Up to $1,000 per incident for emergency treatment within 7 days of departure.
- Advertising & Reward for a Lost Pet: Up to $1,000 annually for costs related to recovering a lost or stolen pet.
- Telehealth Support: 24/7 access to veterinary nurses.
- Petriage Online Subscription: Free access to a pet health triaging app.
- Cremation and/or Burial: Up to $1,000 for cremation or burial if the pet is medically euthanized.
- Planted in Memory: A tree planted in memory of the pet through The Arbor Day Foundation.
What does Furkin not cover?
While Furkin offers extensive coverage, there are certain exclusions to be aware of. These may include:
- Administrative and Routine Services
- Cosmetic and Corrective Procedures
- Dental and Preventive Care
- Pre-existing and Bilateral Conditions
- Innovative and Non-standard Therapies
- Emergency and War-related Exclusions
- Reproduction and Risky Activities
- Financial and Veterinary Fees
You can download the free brochure on Furkin Pet Insurance coverage right here for the full coverage and exclusions details.
Waiting period for Furkin coverage
- For Accidents – 48 hours
- For Illnesses – 14 days
- For Cruciate Ligament Conditions – 180 days
What does Furkin Pet Insurance cost?
The cost of Furkin Pet Insurance for a 5-year-old Labrador Retriever based in Ontario is $90.35/month with a $300 deductible. Here's a sample quote with details.
| Coverage | Reimbursement | Deductible | Monthly Premium | Annual Cost |
|---|---|---|---|---|
| $20,000 | 80% | $300 | $90.35 | $1,084.20 |
| $20,000 | 80% | $500 | $81.24 | $974.88 |
| $20,000 | 80% | $950 | $66.07 | $792.84 |
We received the above quote on Saturday, June 22, 2024.
You can get personalized pet insurance quotes from Canada's best companies right here. Get a free quote online in seconds using our free tool below.
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How to get a Furkin Pet Insurance quote?
You can get a free Furkin quote online in no time. Simply click on the Furkin Get My Quote option, fill in quick details about your dog's age, name, location, and voila, and get your personalized quote in less than a minute.
The pet insurance deductible you choose plays an important factor in deciding your monthly premium.
What are the deductible choices for Furkin?
Annual Deductible Options for Furkin Pet Insurance for Dogs
| Pet’s Age | Option A | Option B | Option C |
|---|---|---|---|
| Under 5 years | $100 | $300 | $750 |
| 5 to 10 years | $300 | $500 | $950 |
| Over 10 years | $500 | $700 | $1,150 |
Annual Deductible Options for Furkin Pet Insurance for Cats
| Pet’s Age | Option A | Option B | Option C |
|---|---|---|---|
| Under 5 years | $100 | $300 | $750 |
| 5 to 10 years | $200 | $400 | $850 |
| Over 10 years | $300 | $500 | $950 |
How does Furkin compare with others in the market?
| Coverage | Furkin | Fetch Pet Insurance | Trupanion Canada | PHI Direct |
|---|---|---|---|---|
| Annual Limit | $20,000 | $5,000, $10,000, $15,000 | Unlimited | $5,000 or $10,000 |
| Reimbursement | 80% | 70%, 80%, 90% | 90% | 80% |
| Deductible | $100, $300, $750* | $250, $300, $500* | $0 - $1,000 | $200 |
| Discounts | 5% multi-pet | Military, AARP, Healthy Pet | None | 5% multi-pet |
| Waiting Periods | 48 hours (accident), 14 days (illness) | 15 days (accident, illness) | 5 days (injury), 30 days (illness) | 48 hours (accident), 14 days (illness) |
| Add-Ons | None | Wellness plans | None | None |
Is Furkin pet insurance good?
Furkin Pet Insurance is a good option if you need high annual coverage and comprehensive benefits without the need for routine care. However, its limitations regarding pre-existing conditions, higher costs for senior pets, and the lack of direct vet payment should be considered based on your specific needs.
How to file a Furkin pet insurance claim?
- Gather Documents: Obtain your pet's complete medical history and records. Collect itemized receipts for all veterinary services and treatments.
- Complete Claim Form: Download the claim form from Furkin’s website or request it via phone (1-888-453-1088). Fill in all required details: your name, pet’s name, policy number, veterinary hospital name, illness/injury details, treatment dates, and claim amount.
- Submit Claim: Attach all supporting documents and receipts via email, fax or mail.
- You can either send your claim to Email: [email protected]
- Or send a Fax: 1-855-868-0840
- Or send a post to Mail: 309 - 1277 Lynn Valley Road, North Vancouver, BC V7J 0A2
You can download the free Furkin Pet Insurance claim form here.
Watch out!
You must submit claims within 90 days of the treatment to be eligible for reimbursement
How to cancel Furkin Pet insurance?
To Cancel Your Policy:
- Request in Writing: Send your cancellation request by mail, fax, or email.
- Request by Phone: Call Furkin to request cancellation.
- Effective Date: Cancellation is effective the day Furkin receives your request.
- If Your Pet Passes Away: Cancellation is backdated to the pet’s date of death.
30-Day Free-Look Period:
- Cancel within 30 Days: You can cancel your policy within 30 days of the start date.
- No Financial Obligation: If no claims are reimbursed, you’ll get a full refund of any premiums paid, and the policy is void.
How to contact Furkin?
You can contact Furkin through the following means:
- Phone: Call the Care Team at 888-453-1088.
- Email: Send your questions to [email protected].
