Furkin Pet Insurance 2025: Canadian Coverage & Full Review
Our expert's opinion on Furkin
Furkin offers a single, highly comprehensive pet insurance policy underwritten by GPIC Insurance Company and available Canada-wide (excluding Quebec), featuring an annual limit of $20,000 per policy year, 80% reimbursement, and deductible options that adjust by pet age and owner choice.Its straightforward approach positions Furkin as a mid- to upper-tier provider relative to major competitors, with the advantage of one simple plan, robust supplemental benefits, and a fixed co-pay structure, though premiums and deductibles may increase as pets age or market costs shift.Furkin is especially suited for owners seeking very high annual limits and wanting streamlined coverage for dogs or cats of almost any age (up to 14 at enrollment), notably benefiting purebred or high-risk pets, and flexible budgeters able to handle age-based deductible increases.The insurer, distributed by Canada Pet Health Insurance Services, has a limited public track record—no revenue or premium data disclosed—and holds a 3.1/5 score on Trustpilot (2 reviews), with claims typically handled via electronic and paper processes, and customer experiences mixed; turnaround times are not specified in available materials.
- ✅Single, comprehensive policy with $20,000 annual limit
- ✅Covers hereditary, congenital, and bilateral conditions (if not pre-existing)
- ✅Flexible, age-based deductible options
- ✅80% reimbursement on eligible claims
- ✅No per-condition, annual, or lifetime limits (beyond annual cap)
- ✅Extensive add-on perks: travel, boarding, lost pet, dietary, burial
- ✅Coverage valid with any vet in Canada or USA
- ❌No coverage for routine care, most dental, or spay/neuter
- ❌Annual deductible increases as pets age
- ❌Premiums may rise by age/inflation at renewal
- ❌Only one plan—no lower-cost or accident-only options
- ❌Limited public claims data and very few independent reviews
- ✅Single, comprehensive policy with $20,000 annual limit
- ✅Covers hereditary, congenital, and bilateral conditions (if not pre-existing)
- ✅Flexible, age-based deductible options
- ✅80% reimbursement on eligible claims
- ✅No per-condition, annual, or lifetime limits (beyond annual cap)
- ✅Extensive add-on perks: travel, boarding, lost pet, dietary, burial
- ✅Coverage valid with any vet in Canada or USA
Our expert's opinion on Furkin
ScoreFurkin offers a single, highly comprehensive pet insurance policy underwritten by GPIC Insurance Company and available Canada-wide (excluding Quebec), featuring an annual limit of $20,000 per policy year, 80% reimbursement, and deductible options that adjust by pet age and owner choice.Its straightforward approach positions Furkin as a mid- to upper-tier provider relative to major competitors, with the advantage of one simple plan, robust supplemental benefits, and a fixed co-pay structure, though premiums and deductibles may increase as pets age or market costs shift.Furkin is especially suited for owners seeking very high annual limits and wanting streamlined coverage for dogs or cats of almost any age (up to 14 at enrollment), notably benefiting purebred or high-risk pets, and flexible budgeters able to handle age-based deductible increases.The insurer, distributed by Canada Pet Health Insurance Services, has a limited public track record—no revenue or premium data disclosed—and holds a 3.1/5 score on Trustpilot (2 reviews), with claims typically handled via electronic and paper processes, and customer experiences mixed; turnaround times are not specified in available materials.
- ✅Single, comprehensive policy with $20,000 annual limit
- ✅Covers hereditary, congenital, and bilateral conditions (if not pre-existing)
- ✅Flexible, age-based deductible options
- ✅80% reimbursement on eligible claims
- ✅No per-condition, annual, or lifetime limits (beyond annual cap)
- ✅Extensive add-on perks: travel, boarding, lost pet, dietary, burial
- ✅Coverage valid with any vet in Canada or USA
- ❌No coverage for routine care, most dental, or spay/neuter
- ❌Annual deductible increases as pets age
- ❌Premiums may rise by age/inflation at renewal
- ❌Only one plan—no lower-cost or accident-only options
- ❌Limited public claims data and very few independent reviews
- ✅Single, comprehensive policy with $20,000 annual limit
- ✅Covers hereditary, congenital, and bilateral conditions (if not pre-existing)
- ✅Flexible, age-based deductible options
- ✅80% reimbursement on eligible claims
- ✅No per-condition, annual, or lifetime limits (beyond annual cap)
- ✅Extensive add-on perks: travel, boarding, lost pet, dietary, burial
- ✅Coverage valid with any vet in Canada or USA
- Furkin Coverages
- Furkin Exclusions
- Furkin Prices
- Furkin Assistance
- Customer Reviews of Furkin
- Contact Furkin
- FAQ
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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market every year, providing you with reliable and unbiased analysis. Thanks to this thorough approach, more than one million Canadians trust us each month to support them in making their most important financial decisions.
Furkin Coverages
Furkin offers a single, comprehensive pet insurance plan with a high annual reimbursement limit of $20,000, a flat 80% reimbursement rate, and customizable annual deductibles based on the pet’s species and age at enrollment.
Coverage includes both accidents and illnesses, hereditary and congenital disorders (if not pre-existing), alternative therapies, and unique extras like telehealth, cremation, and travel coverage, but excludes preventive care, most dental (except trauma), and pre-existing conditions.
What sets Furkin apart is its wide scope—no per-condition or lifetime limits, inclusion of exam fees, and add-ons like boarding and trip cancellation—yet the absence of a wellness/preventive care package and strict exclusions for pre-existing and routine treatments may be limiting for some.
Premiums and deductibles can increase as your pet ages, and some owners report concerns regarding denied claims and cost transparency (notably in consumer reviews).
Overall, Furkin’s strengths lie in broad accident and illness coverage, while the lack of multi-tiered options and routine care add-ons could be a drawback for those seeking maximum flexibility.
| Name of coverage | Furkin comprehensive plan |
|---|---|
| Plan positioning | Single comprehensive plan |
| Type of coverage (accident, illness, both, etc.) | Both accidents and illnesses |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | 80% reimbursement, owner pays 20% |
| Annual reimbursement limit | $20,000 per policy year |
| Deductible (annual or per claim) | Annual, 3 choices by pet age/species |
| Age limits for enrollment (for dogs and cats) | 7 weeks to under 14 years |
| Pre-enrollment health questionnaire | Physical exam within 12 months pre-policy |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 48 hours |
| Lifetime coverage once subscribed | Yes, if renewed without lapse |
| Vet consultations (regular + emergency) | ✅ Exam fees included |
| Medications | ✅ Prescription meds covered |
| Hospitalization | ✅ Covered |
| Surgery (including anesthesia) | ✅ Covered |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ Covered |
| Dental care (includes scaling and procedures) | Tooth fracture trauma only |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ Not covered |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ Covered if vet-recommended |
| Travel coverage (countries included, duration) | Canada, USA, territories; duration N.C. |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ Covered if medically necessary |
| Death & cremation coverage | Up to $1,000 for cremation/burial |
| Theft or loss of pet + search expenses | $1,000/year advertising & reward |
| Boarding fees (if owner is hospitalized) | $1,000/incident, $30/day, owner >48h hosp. |
Compare Furkin’s plan details and pricing to find the most affordable and suitable coverage for your pet.
Furkin Policy Coverage Details
Furkin covers hereditary and congenital conditions unless pre-existing; claims for prescription diets (up to $100/cat or $250/dog per year) are outside the main annual limit and not subject to deductible or co-insurance.
No wellness or preventive care (vaccines, spay/neuter, microchipping) is included.
All claims require supporting documentation, and policy is not available in Quebec.
Boarding, trip cancellation, and travel are covered under specific conditions.
Furkin Exclusions
Furkin’s exclusions align with industry standards in denying coverage for pre-existing conditions (including bilateral diseases if one side is affected prior to or during the waiting period) and strictly exclude all forms of routine and preventive care regardless of cause.
Particularly notable are permanent exclusions for conditions detected in or treated during the waiting period, cosmetic/behavioral interventions not deemed necessary by a veterinarian, and a total absence of dental coverage except for traumatic, healthy-tooth fractures.
Other exclusions include reproduction (pregnancy, spay/neuter, breeding), racing/commercial activity, and any repetitive, preventable, or owner-induced injuries, as well as all non-medically necessary services/devices.
Experimental therapies, excessive or unreasonable fees, and costs arising from war, civil unrest, or disasters are also categorically excluded, making Furkin’s approach rigorous but transparent and in line with Canadian market norms.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (diagnosed, symptomatic, or treated before or during waiting period) - Bilateral conditions if present on one side before or during waiting period - Preventive/routine care (vaccines, annual checkups, titer tests, microchipping, grooming) - Most dental (preventive, disease, cleaning, orthodontics, deciduous teeth, chewing injuries) - Spay/neuter, breeding, pregnancy, reproductive system and complications - Behavioral/obedience training, dietary counseling, compulsive behaviors except as prescribed by vet - Cosmetic/corrective procedures (debarking, declawing, tail docking, prophylactic surgery, ear cropping) - Unlicensed, non-prescribed, or over-the-counter medications - Innovative/experimental therapies (stem cell, prolotherapy, unproven procedures) - Repetitive, preventable or avoidable conditions (same preventable event 3+ times) - Congenital conditions identified before or during waiting periods - Certain feline viral diseases if present before/within waiting |
| Administrative exclusions | - Administrative costs (record releases, claim forms, faxes) - Fees not customarily charged or excessive/unreasonable fees |
| Geographic exclusions | - Incidents outside Canada/USA/U.S. territories not covered |
| Identification exclusions | - Lost pet reward not covered if pet is not microchipped and/or not reported to authorities |
| Activity exclusions | - Commercial use, racing, fighting, guarding (recreational agility/hunting permitted) - Negligence, intentional harm, destruction, abandonment |
| Legal/disaster exclusions | - War, terrorism, nuclear/radiological events, natural disasters - Organ transplants, post-mortem expenses, refusal to release medical records |
- Bilateral conditions if present on one side before or during waiting period
- Preventive/routine care (vaccines, annual checkups, titer tests, microchipping, grooming)
- Most dental (preventive, disease, cleaning, orthodontics, deciduous teeth, chewing injuries)
- Spay/neuter, breeding, pregnancy, reproductive system and complications
- Behavioral/obedience training, dietary counseling, compulsive behaviors except as prescribed by vet
- Cosmetic/corrective procedures (debarking, declawing, tail docking, prophylactic surgery, ear cropping)
- Unlicensed, non-prescribed, or over-the-counter medications
- Innovative/experimental therapies (stem cell, prolotherapy, unproven procedures)
- Repetitive, preventable or avoidable conditions (same preventable event 3+ times)
- Congenital conditions identified before or during waiting periods
- Certain feline viral diseases if present before/within waiting
- Fees not customarily charged or excessive/unreasonable fees
- Negligence, intentional harm, destruction, abandonment
- Organ transplants, post-mortem expenses, refusal to release medical records
Furkin Prices
Furkin’s pricing positions it as mid-range to slightly competitive within the Canadian pet insurance market, balancing broad coverage—including a high annual limit ($20,000 CAD), exam fees, and alternative therapies—with the flexibility of tiered deductibles to suit a range of budgets.
Its single, all-inclusive policy design notably covers high-value items and extensive services, similar to comprehensive providers, but the absence of wellness plans helps limit monthly premiums compared to some premium brands.
As a modern, digital-first insurer with streamlined processes, Furkin can offer efficient service, flexibility, and customer convenience, which also supports its achievable pricing.
Overall, Furkin provides strong value for pet owners seeking robust accident and illness coverage without the more expensive add-ons or premium-level monthly costs seen with some legacy providers.
This makes Furkin a sensible choice for those wanting comprehensive protection at a price lower than most premium insurers, but with broader coverage than low-cost, entry-level players.
Compare plans below to find the most suitable and cost-effective option for your pet’s needs.
| Furkin – Estimated monthly premium (CAD) | |
|---|---|
| Young cat (2–4 years) | $28–$38/month |
| Senior cat (7–8 years) | $39–$55/month |
| Small breed dog (2–4 years) | $32–$46/month |
| Senior dog (7–8 years) | $55–$72/month |
| Large breed dog (2–4 years) | $46–$68/month |
| Senior large breed dog (7–8 years) | $71–$85/month |
Furkin Promo Codes
| Furkin Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Furkin Reimbursement Information
Furkin makes reimbursements easy: after you pay your vet bill, Furkin subtracts your annual deductible (if not already met), then reimburses 80% of the remaining eligible amount—helping you cover even costly treatments with peace of mind.
✅ Example 1: Surgery for a broken leg (dog)
Total vet costs: $3,200 (consultation, X-rays, surgery, hospitalization, medication)
Deductible amount to subtract: $300 (annual deductible for a 5-year-old dog, applies to your first claim of the year)
Amount reimbursable: $3,200 – $300 = $2,900
80% of that amount reimbursed: $2,900 × 80% = $2,320
👉 You receive a reimbursement of $2,320.
ℹ️ After the first claim each year, the deductible won’t be applied again until your next policy year begins.
✅ Example 2: Allergy workup and prescription diet (cat)
Total vet costs: $780 (exam, allergy testing, medications); $100 prescription diet food
Deductible already satisfied earlier in the year
Amount reimbursable for treatment: $780 × 80% = $624
Prescription diet benefit: Full $100 reimbursed (no deductible or co-insurance applies, and not deducted from your annual limit)
👉 You receive $624 for vet costs and $100 for the prescribed food—a total of $724.
ℹ️ Furkin’s prescription diet benefit for cats and dogs is paid in full, up to the annual limit ($100/cat, $250/dog), on top of your medical coverage.
✅ Example 3: Dental fracture repair (dog)
Total vet costs: $950 (consultation, dental X-ray, tooth extraction after trauma, anesthesia)
Deductible already used on an earlier claim this year
Amount reimbursed at 80%: $950 × 80% = $760
👉 You receive a reimbursement of $760.
ℹ️ Furkin covers dental care for healthy teeth fractured by accident—cleanings or disease-related dental are not eligible.
Furkin Assistance
| Assistance Furkin | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Furkin does not offer an advance payment service; reimbursement is made after submission and approval of claims. |
| Payment facilities | ❌ | No dedicated installment payment options beyond standard monthly premium billing are communicated (N.C.). |
| Mobile app | ❌ | No mobile app is available; all administration and claims are handled via online portal, email, or phone (N.C.). |
| Paperless claims process | ✅ | Claims can be submitted fully online or by email, with digital documentation accepted for reimbursements. |
| Emergency vet service | ✅ | 24/7 telehealth support is available with a veterinary nurse hotline and Petriage app for online triage. |
| Vet/clinic partner network | ❌ | No formal network of partner clinics; coverage applies at any licensed Canadian or U.S. veterinarian. |
| Coverage abroad | ✅ | Pets are insured during travel for eligible accidents/illnesses in Canada, the USA, and U.S./Canadian territories; reimbursement at par in CAD. |
Customer Reviews of Furkin
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.1/5 (2 reviews) |
We analyzed reviews from the site listed above. On the positive side :
- An annual coverage limit of up to $20,000 is seen as generous and reassuring by pet owners.
- Inclusive coverage of various treatments, alternative therapies, and emergency care offers peace of mind.
- Fast enrollment and simple digital claim submission processes receive positive feedback in some testimonials.
- The flexibility of selecting a deductible option tailored to budget and pet age is appreciated.
- Transparent explanations about what is and isn’t covered help subscribers understand their policies.
On the negative side :
- A significant increase in premiums and deductibles at renewal can surprise policyholders and impact affordability.
- A denial of claims due to broad interpretation of pre-existing condition clauses has frustrated some users.
- A perception of insufficient transparency and clarity during the claims and renewal process has been expressed.
- A lack of consistently positive customer service, including complaints of slow or dismissive responses, is noted in negative reviews.
- A sense that initial low premium offers may not represent long-term cost is highlighted, especially for multi-pet households.
Contact Furkin
| Furkin Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Call 1-888-453-1088 or email [email protected]. Submit your completed claim form, original receipts, and relevant pet medical records by email, fax, or mail to Furkin, 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2. Claims must be submitted within 90 days of treatment or policy termination. Reimbursements are processed by direct deposit or cheque; typical processing time may vary. You may request claim status updates by phone or email at any time. |
| To obtain a certificate of insurance | Contact Furkin customer service by phone at 1-888-453-1088 or email [email protected]. Provide your policy number and pet details. The insurance certificate can be provided to you by email or regular mail upon request. |
| To contact assistance | Phone: 1-888-453-1088 Email: [email protected] Mail: Furkin, 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2. Assistance is available for general inquiries, plan details, or support with your coverage and claims. |
| To cancel my policy | Call 1-888-453-1088 or email [email protected]. You may cancel your policy at any time; provide your policy number and written request. A 30-day free look period applies for cancellation and full refund if no claim has been paid. No specific notice period is required, but written confirmation may be requested. Any refund of unused premium will be issued as per your payment method. |
Submit your completed claim form, original receipts, and relevant pet medical records by email, fax, or mail to Furkin, 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2.
Claims must be submitted within 90 days of treatment or policy termination.
Reimbursements are processed by direct deposit or cheque; typical processing time may vary.
You may request claim status updates by phone or email at any time.
Provide your policy number and pet details.
The insurance certificate can be provided to you by email or regular mail upon request.
Email: [email protected]
Mail: Furkin, 309-1277 Lynn Valley Road, North Vancouver, BC V7J 0A2.
Assistance is available for general inquiries, plan details, or support with your coverage and claims.
You may cancel your policy at any time; provide your policy number and written request.
A 30-day free look period applies for cancellation and full refund if no claim has been paid.
No specific notice period is required, but written confirmation may be requested.
Any refund of unused premium will be issued as per your payment method.
FAQ
Do I have to pay upfront for veterinary fees with Furkin?
Yes, in most cases you pay your veterinarian directly at the time of service, then submit your claim to Furkin for reimbursement. However, Furkin can provide direct payment to participating clinics with pre-authorization. For typical vet visits, expect to pay upfront and then file a claim for eligible expenses.
How do I cancel my pet insurance policy with Furkin?
You can cancel your Furkin policy at any time by contacting customer service by phone or email. No notice period is required; simply provide your policy number and written confirmation. If you cancel within 30 days of enrollment and no claims have been paid, you are eligible for a full refund (excluding the enrollment fee).
What does Furkin pet insurance cover?
Furkin covers accidents, sudden illnesses, hereditary and congenital diseases (if not pre-existing), surgery, hospitalization, diagnostics, medications, alternative and behavioral therapies, medical devices, and more. Extra benefits include travel coverage, lost pet advertising, boarding fees, and prescription diet food for covered illnesses.
Are there any exclusions or limitations I should know about?
Yes, Furkin does not cover pre-existing conditions, routine or preventive care (like vaccinations and dental cleanings), most dental unless due to trauma, elective or cosmetic procedures, and specific breeding or professional uses. Waiting periods apply for new illnesses and certain conditions; claims are strictly reviewed for policy compliance.
How does the deductible and co-insurance work?
You select an annual deductible when you enroll, which increases as your pet ages. This amount is paid out-of-pocket each year for eligible claims before insurance kicks in. After the deductible is met, you pay 20% of eligible costs (co-insurance), and Furkin reimburses the remaining 80%, up to the $20,000 annual limit per policy year.
Is Furkin available across all of Canada?
Furkin is available to pet owners in every Canadian province and territory except Quebec. Enrollment is open to cats and dogs aged at least 7 weeks and under 14 years old at the start of coverage. Regular annual vet exams and adherence to recommended preventive care are required to maintain eligibility.
Do I have to pay upfront for veterinary fees with Furkin?
Yes, in most cases you pay your veterinarian directly at the time of service, then submit your claim to Furkin for reimbursement. However, Furkin can provide direct payment to participating clinics with pre-authorization. For typical vet visits, expect to pay upfront and then file a claim for eligible expenses.
How do I cancel my pet insurance policy with Furkin?
You can cancel your Furkin policy at any time by contacting customer service by phone or email. No notice period is required; simply provide your policy number and written confirmation. If you cancel within 30 days of enrollment and no claims have been paid, you are eligible for a full refund (excluding the enrollment fee).
What does Furkin pet insurance cover?
Furkin covers accidents, sudden illnesses, hereditary and congenital diseases (if not pre-existing), surgery, hospitalization, diagnostics, medications, alternative and behavioral therapies, medical devices, and more. Extra benefits include travel coverage, lost pet advertising, boarding fees, and prescription diet food for covered illnesses.
Are there any exclusions or limitations I should know about?
Yes, Furkin does not cover pre-existing conditions, routine or preventive care (like vaccinations and dental cleanings), most dental unless due to trauma, elective or cosmetic procedures, and specific breeding or professional uses. Waiting periods apply for new illnesses and certain conditions; claims are strictly reviewed for policy compliance.
How does the deductible and co-insurance work?
You select an annual deductible when you enroll, which increases as your pet ages. This amount is paid out-of-pocket each year for eligible claims before insurance kicks in. After the deductible is met, you pay 20% of eligible costs (co-insurance), and Furkin reimburses the remaining 80%, up to the $20,000 annual limit per policy year.
Is Furkin available across all of Canada?
Furkin is available to pet owners in every Canadian province and territory except Quebec. Enrollment is open to cats and dogs aged at least 7 weeks and under 14 years old at the start of coverage. Regular annual vet exams and adherence to recommended preventive care are required to maintain eligibility.
