Furkin Pet Insurance Canada 2025: Full Review, Pros & Cons
Our expert's opinion on Furkin
Furkin offers a single comprehensive pet insurance policy for cats and dogs that covers medically necessary veterinary services for eligible accidents and illnesses; this introduction outlines key features, limits, and practical considerations for Canadian pet owners.
The policy provides one plan with an annual benefit maximum of $20,000, a standard 80% reimbursement rate, and three age-based annual deductible options that increase as pets age; prescription diet allowances ($100 per cat, $250 per dog) are separate from the annual limit and not subject to deductible or co‑insurance, and additional benefits include boarding, holiday cancellation, advertising/reward, and cremation/burial limits. Compared to common competitors, Furkin emphasizes a relatively high annual limit, broad diagnostics and alternative therapy coverage, and clear age-based deductible choices, although published pricing and market positioning were not disclosed in the provided materials.
Best suited for owners seeking comprehensive accident and illness coverage with a high annual limit—particularly those with young to middle-aged dogs and cats who value extensive diagnostics and ancillary benefits.
Furkin is based in North Vancouver, BC, provides toll-free support, Petriage telehealth access, and direct-pay arrangements to veterinarians where available; no public financial figures, premium volumes, or customer review scores were included in the supplied documentation.
- ✅$20,000 annual benefit maximum
- ✅80% standard reimbursement rate
- ✅Age-based deductible choices that rise with pet age
- ✅Covers diagnostics, surgery, hospitalization, prescription medications
- ✅Alternative and behavioural therapy coverage included
- ✅Prescription diet allowance separate from annual limit
- ✅Telehealth access and direct payment to veterinarians
- ❌Pre-existing conditions excluded
- ❌Cruciate ligament waiting period of 180 days
- ❌Very limited dental coverage (fracture extraction only)
- ❌Corrective surgeries for brachycephalic breeds excluded
- ❌No pricing or public financials provided in documents
Score- ✅$20,000 annual benefit maximum
- ✅80% standard reimbursement rate
- ✅Age-based deductible choices that rise with pet age
- ✅Covers diagnostics, surgery, hospitalization, prescription medications
- ✅Alternative and behavioural therapy coverage included
- ✅Prescription diet allowance separate from annual limit
- ✅Telehealth access and direct payment to veterinarians
Our expert's opinion on Furkin
- ✅$20,000 annual benefit maximum
- ✅80% standard reimbursement rate
- ✅Age-based deductible choices that rise with pet age
- ✅Covers diagnostics, surgery, hospitalization, prescription medications
- ✅Alternative and behavioural therapy coverage included
- ✅Prescription diet allowance separate from annual limit
- ✅Telehealth access and direct payment to veterinarians
- ❌Pre-existing conditions excluded
- ❌Cruciate ligament waiting period of 180 days
- ❌Very limited dental coverage (fracture extraction only)
- ❌Corrective surgeries for brachycephalic breeds excluded
- ❌No pricing or public financials provided in documents
Score- ✅$20,000 annual benefit maximum
- ✅80% standard reimbursement rate
- ✅Age-based deductible choices that rise with pet age
- ✅Covers diagnostics, surgery, hospitalization, prescription medications
- ✅Alternative and behavioural therapy coverage included
- ✅Prescription diet allowance separate from annual limit
- ✅Telehealth access and direct payment to veterinarians
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Furkin Guarantees
Furkin offers a single comprehensive pet insurance policy in 2025 that provides combined accident and illness coverage for dogs and cats rather than a multi‑tier product line. Key features include an annual renewable policy limit of $20,000, a standard 80% reimbursement (20% co‑insurance), and a choice of three age‑based annual deductibles that increase as the pet ages.
Coverages are broad for medically necessary veterinary services (exam fees, diagnostics, hospitalization, surgery, prescription medications with required identifiers), and the policy explicitly includes alternative therapies and behavioural consultations when provided or authorized by a veterinarian; several ancillary benefits (boarding fees for owner hospitalization, trip cancellation, advertising/reward for lost pet, and cremation/burial) are provided as non‑insured sub‑limits.
Waiting periods are specified (48 hours for accidents, 14 days for illnesses, and a 180‑day rule for cruciate ligament/orthopedic conditions), and exclusions include pre‑existing conditions, repetitive/compulsive incidents (exclusion after three similar events), routine preventive care, most dental disease care (only traumatic extraction of a healthy mature tooth covered), reproductive services, brachycephalic corrective surgery, and certain innovative therapies.
| Single comprehensive policy | |
|---|---|
| Plan positioning | Single comprehensive policy (no tiered entry/balanced/premium options) |
| Type of coverage (accident / illness / both) | Both (accident and illness) |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate | 80% (20% co‑insurance) |
| Annual reimbursement limit | $20,000 per policy year (renewable annually) |
| Deductible (annual or per claim) | Annual deductible (age‑based options A / B / C); increases with pet age (see policy) |
| Age limits for enrollment | N.C. |
| Pre-enrollment health questionnaire | N.C. |
| Waiting periods (accident and illness) | Accidents: 48 hours; Illnesses: 14 days; Cruciate ligament/orthopedic conditions: 180 days |
| Lifetime coverage | N.C. |
| Consultations | Covered (exam fees, specialist referrals, behavioural consultations included) |
| Medications | Covered if prescription and carry required identifiers (DIN, VHP, NASC) |
| Hospitalization | Covered (medically necessary hospitalization) |
| Surgery | Covered (medically necessary surgery, anesthesia) |
| Diagnostic tests | Covered (imaging, lab tests, CT/MRI, X‑rays) |
| Dental care | Limited: preventive dental excluded; only extraction of a traumatically fractured, previously healthy mature tooth covered |
| Preventive care | Excluded (routine vaccinations, wellness exams, parasite prevention) |
| Alternative medicine | Covered if performed or directly supervised/authorized by a veterinarian (acupuncture, hydrotherapy, physiotherapy, chiropractic, laser, etc.) |
| Travel coverage | Trip cancellation: up to $1,000 per incident (for trips cancelled/shortened if pet requires life‑saving treatment); other travel coverage N.C. |
| Civil liability | N.C. |
| Euthanasia | Covered if medically recommended as a result of a covered condition |
| Death & cremation coverage | Cremation/burial: up to $1,000 if euthanasia recommended for a covered condition |
| Theft or loss + search expenses | Advertising & reward for lost/stolen pet: combined up to $1,000 annually (microchipped requirement / at least 48 hours missing) |
| Boarding fees | Up to $1,000 per incident (maximum $30 per day) if owner hospitalized for at least 48 hours |
Furkin’s exclusions are consistent with standard market practice but include some specific operational rules: pre‑existing conditions and any condition evident before policy start or during waiting periods are excluded, bilateral conditions (opposite side treated as pre‑existing if one side pre‑existed) are enforced, and repetitive or compulsive problems are excluded after three similar incidents. Dental disease (periodontal disease, root canals, routine cleanings) and routine preventive care are not covered; reproductive services and corrective surgeries for brachycephalic conformational issues are also excluded, as are certain innovative therapies listed in the policy.
Key limitations include the age‑based annual deductible that rises automatically as a pet ages, fixed reimbursement logic (80% standard with no indication of customizable reimbursement tiers), and per‑item or per‑condition sub‑limits (e.g., medical devices limited to $500 per eligible condition; prescription diet capped at $100 per cat and $250 per dog per year).
Operational features to note: Furkin provides several ancillary non‑insured benefits (boarding, trip cancellation, lost pet support, cremation) and assistance services (24/7 veterinary nurse line and Petriage app access), but several items requested by consumers (lifetime coverage mechanics, explicit age enrollment limits, and pre‑enrollment questionnaire details) are N.C. in the provided documentation.
Furkin Exclusions
Furkin’s exclusions align with common industry practice, primarily excluding pre‑existing conditions (anything with signs or treatment before the policy start or during waiting periods), routine and preventive care, reproduction‑related costs, cosmetic procedures, and most dental disease (only traumatic fractures of healthy, mature teeth are covered).
Notable or stricter exclusions versus some competitors include the automatic treatment of bilateral conditions as pre‑existing if one side was affected, and a clear “three strikes” rule that permanently excludes repetitive/compulsive incidents (e.g., repeated foreign‑body ingestions or fight wounds) after three similar events.
Innovative or experimental therapies are excluded, corrective surgeries for brachycephalic breeds are explicitly not covered, and parasite treatment is conditional on previously administered preventive medications; conversely, Furkin’s prescription diet reimbursement (capped per species and outside the annual limit) is a distinctive feature that partially offsets routine‑care exclusions for eligible therapeutic diets.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (signs or treatment before policy start or during waiting periods); Bilateral conditions (opposite side treated as pre‑existing if one side was pre‑existing). |
| Behavioural and repetitive exclusions | Repetitive/compulsive behaviour excluded after three separate but similar incidents (e.g., foreign body ingestions, fight wounds). |
| Routine and preventive exclusions | Routine wellness and preventive care excluded (vaccinations, wellness exams, parasite prevention); complications from these procedures also excluded. |
| Dental and cosmetic exclusions | Preventive dental care and treatment for dental disease excluded (gingivitis, periodontitis, root canals, orthodontics); only traumatic fracture of a healthy mature tooth covered; cosmetic procedures (tail docking, ear cropping, declawing) excluded. |
| Reproductive exclusions | All costs related to reproduction excluded (pregnancy, spaying/neutering, whelping, treatment for mammary tumours). |
| Breed‑specific exclusions | Corrective procedures for brachycephalic breeds excluded (e.g., stenotic nares, elongated soft palate, hypoplastic trachea). |
| Treatment and therapy exclusions | Innovative or experimental treatments excluded (Stem Cell Therapy, Platelet Rich Plasma, Homeopathic Care); cosmetic/ non‑therapeutic procedures excluded. |
| Parasite and medication conditions | Parasite treatment covered only when a definitive diagnosis and prior recommended preventive medication administration are documented. |
| Other exclusions & conditions | Any condition arising from neglect, abuse, or prohibited activities is excluded; specific monetary limits and certain administrative exclusions are detailed in the policy documents (N.C. for any unspecified limits). |
Furkin Prices
Furkin’s pricing sits in a clear mid-range position: the policy combines a fixed annual benefit of $20,000 with a standard 80% reimbursement rate and a choice of three age‑based annual deductibles. That structure makes Furkin competitive for pet owners who want substantial coverage for accidents and illnesses without moving into the highest‑cost tier; the $20,000 limit is meaningful for major claims while the 80% co‑insurance and higher deductible options allow the insurer to balance premiums against claim frequency and severity. The age‑based deductible escalation also means older pets carry higher out‑of‑pocket exposure unless the owner chooses a higher premium option to reduce the deductible.
Furkin’s digital and added‑value features help justify its positioning versus more traditional carriers: 24/7 veterinary nurse access, the Petriage symptom checker app, and the option for direct payment arrangements to clinics reduce friction and may lower operational costs. Coverage of alternative therapies and behavioural care, separate prescription‑food allowances, and per‑condition device limits are differentiators that add value beyond core medical reimbursement. Compared with legacy, distribution‑heavy insurers, Furkin appears to trade a simpler, digitally enabled customer experience and clearly stated annual limit for the broader underwriting or higher caps some premium competitors may offer.
To help you find the best match between your needs and budget, compare the monthly estimated prices by profile below.
| Profile | $100 deductible | $300 deductible | $750 deductible |
|---|---|---|---|
| Labrador Dog 1 year | $95.88 | $85.88 | $68.62 |
| Labrador Dog 3 years | $104.35 | $92.46 | $73.80 |
| Labrador Dog 7 years | $163.65 | $148.75 | $118.57 |
| Australian Shepherd Dog 1 year | $77.29 | $68.63 | $55.05 |
| Australian Shepherd Dog 3 years | $83.18 | $73.81 | $59.12 |
| Australian Shepherd Dog 7 years | $129.86 | $116.55 | $94.36 |
| French Bulldog Dog 1 year | $142.63 | $126.16 | $100.32 |
| French Bulldog Dog 3 years | $153.82 | $136.01 | $108.08 |
| French Bulldog Dog 7 years | $242.61 | $217.29 | $175.10 |
| European Cat 1 year | $48.70 | $43.46 | $35.24 |
| European Cat 3 years | $46.37 | $41.40 | $33.62 |
| European Cat 7 years | $69.30 | $62.01 | $50.41 |
| Maine Coon Cat 1 year | $62.65 | $55.74 | $44.90 |
| Maine Coon Cat 3 years | $59.57 | $53.03 | $42.77 |
| Maine Coon Cat 7 years | $89.80 | $80.18 | $64.90 |
| British Shorthair Cat 1 year | $46.55 | $41.56 | $33.74 |
| British Shorthair Cat 3 years | $44.32 | $39.60 | $32.20 |
| British Shorthair Cat 7 years | $66.13 | $59.20 | $48.17 |
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.
How much will I be reimbursed with Furkin?
Furkin reimburses eligible veterinary expenses by first subtracting your annual deductible and then paying the plan’s reimbursement percentage (80%) on the remaining eligible amount; some benefits (notably prescription diets) are reimbursed separately without deductible or co‑insurance and do not reduce the annual $20,000 policy limit.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $350 (consultation $120 + medication $230)
Deductible amount to subtract: $100 (Option A, under 5 years)
Amount reimbursable after deductible with the highest‑tier plan: $350 – $100 = $250
80% of that amount reimbursed: $250 × 80% = $200
👉 You receive a reimbursement of $200.
ℹ️ The annual deductible applies once per policy year; the $200 reimbursed is deducted from your $20,000 annual limit.
✅ Example 2: Cruciate ligament repair surgery (TPLO)
Total vet costs: $8,500 (surgery, hospitalization, diagnostics, medications)
Deductible already used earlier in the year
Amount reimbursable at 80% with the highest‑tier plan: $8,500 × 80% = $6,800
👉 You receive a reimbursement of $6,800.
ℹ️ This payment reduces your remaining annual limit to $20,000 – $6,800 = $13,200; direct‑to‑vet payment may be possible with pre‑authorization and clinic arrangement.
✅ Example 3: Prescription therapeutic diet (chronic GI condition)
Total vet costs: $300 (two months’ specialized prescription diet)
Deductible amount to subtract: Not applicable (prescription diet benefit is separate)
Amount reimbursable under the prescription diet benefit: reimbursed up to $250 per dog per policy year (no co‑insurance or deductible)
👉 You receive a reimbursement of $250.
ℹ️ Prescription diet reimbursements do not count against the $20,000 annual veterinary limit and are paid in full up to the stated per‑pet cap.
Furkin Assistance
Furkin includes a 24/7 toll‑free veterinary nurse line, which provides immediate clinical guidance for owners and is a practical triage resource, although it is specified for non‑emergency support rather than definitive emergency treatment.
Policyholders receive free access to the Petriage mobile app, a vet‑backed symptom checker that helps assess urgency and recommend next steps, yet public information on app ratings and user experience is not communicated.
The insurer supports direct payment to participating clinics after pre‑authorization, a feature that can reduce upfront costs at the time of treatment; however, the scope of participating hospitals and the operational details of pre‑authorization are not fully detailed.
Key operational details commonly requested by owners—such as clear online claims portal features, paperless reimbursement timelines, installment payment options, and travel/abroad coverage—are limited or not communicated in the available documents, which may leave practical questions for prospective buyers.
| Assistance Furkin | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Direct payment to the treating veterinarian is available in participating clinics. Requires pre‑authorization and an arrangement between Furkin and the clinic. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Free access to the Petriage mobile app (vet‑backed symptom checker). App rating and detailed UX information: N.C. |
| Paperless claims process | ✅ | Claims can be submitted by email to claims@furkin.com and by fax. Online portal submission and reimbursement timelines/methods: N.C. |
| Emergency vet service | ✅ | 24/7 toll‑free veterinary nurse line for non‑emergency medical advice: 1‑888‑453‑1005. Not specified as a substitute for emergency veterinary care. |
| Vet/clinic partner network | ✅ | Direct‑pay is supported in participating hospitals. Full list and extent of partner network: N.C. |
| Coverage abroad | N.C. | N.C. |
Customer Reviews on Furkin
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.1/5 |
Here are some examples of customer reviews:
- D.B — 28 June 2024 “Very sneaky company. They taut themselves as being affordable and no changes with renewal regardless of claims but not only will they up the price of your instalments, but also sneakily up your deductible at renewal without any notice.”
- A.V — 19 February 2024 “They were never going to reimburse any of my claims because they decided that my dogs surgery was due to pre-existing conditions when it was not.”
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. You can also visit www.furkin.com to view plan details and complete an online subscription. |
| To request and track a reimbursement | Submit claims to claims@furkin.com, by fax to 1‑855‑868‑0840, or by mail to 309 - 1277 Lynn Valley Road, North Vancouver, BC V7J 0A2. Direct payment to a veterinarian is possible if a pre‑authorization and clinic arrangement exist. Specific required documents, claim submission deadlines and online tracking options are N.C. |
| To obtain a certificate of insurance | Request a certificate by emailing care@furkin.com, by calling 1‑888‑453‑1088, or via the website contact page. The insurer will advise on any formal request process. Specific required information to issue a certificate and expected processing times are N.C. |
| To contact assistance | For general support call 1‑888‑453‑1088, for telehealth (24/7 veterinary nurse) call 1‑888‑453‑1005, email care@furkin.com, or use the website www.furkin.com. Claims inquiries can be sent to claims@furkin.com or faxed to 1‑855‑868‑0840; postal mail is accepted at the North Vancouver claims address. |
| To cancel my policy | To cancel, contact customer support by phone at 1‑888‑453‑1088, by email at care@furkin.com, or via the website and request policy termination. Provide your policy number and account verification if requested and ask for written confirmation. Notice period, refund/proration rules and any required signed documents are N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Furkin?
Furkin is primarily a reimbursement policy, so you normally pay your veterinarian at point of service and then submit a claim to Furkin for reimbursement.
In many cases Furkin can pay the clinic directly, but this requires a prior pre-authorization and an arrangement between Furkin and the treating veterinary clinic.
For planned or high-cost procedures request pre-authorization so the clinic can confirm whether direct payment is available.
Keep itemized invoices, medical records and your policy number to speed up claim processing and any direct-pay arrangements.
How do I cancel my pet insurance policy with Furkin?
To cancel contact Furkin’s customer care by phone (1-888-453-1088) or email (care@furkin.com) and provide your policy number and pet details.
Furkin will typically require a written or signed cancellation request—send it by email or mail and ask for written confirmation of the effective cancellation date.
Confirm any proration or refund details and stop automatic payments after you receive the confirmation to avoid further charges.
If you have questions about timing or refunds, ask customer care to explain how your final premium will be calculated per the policy terms.
What waiting periods apply before coverage starts?
Furkin’s waiting periods are short but specific: accidents have a 48-hour wait, illnesses have a 14-day wait, and cruciate ligament conditions have a 180-day wait.
Any signs, treatment, or diagnostics that occur during a waiting period are considered pre-existing and are excluded from coverage.
Because some orthopedic conditions carry a long wait, consider enrolling early before any signs appear or before risky activities begin.
Use the waiting period window to complete baseline vet exams and record your pet’s health status for future claims.
How does reimbursement work and what is the annual limit?
Furkin reimburses eligible veterinary costs at a standard 80% rate (you pay 20% co-insurance) up to a fixed annual maximum of $20,000, which renews each policy year.
Some benefits are outside that limit: prescription diet food and certain ancillary benefits have separate caps or are not subject to the deductible/co-insurance.
Medical devices are capped at $500 per eligible condition and prescription diets are capped at $100 per cat / $250 per dog per year.
Always check the Explanation of Benefits to confirm how a specific claim was calculated against your annual limit.
How do deductibles and co-insurance apply on a claim?
Furkin uses an age-based annual deductible you choose from three options (A, B, C); the deductible amount increases as your pet ages.
Once the annual deductible is met for the policy year, Furkin reimburses eligible remaining costs at the 80% reimbursement rate, up to the $20,000 limit.
Deductible choices affect your premium: higher deductibles typically lower monthly cost but increase out-of-pocket risk.
Review your policy schedule to confirm which deductible option you selected and how it changes as your pet gets older.
What conditions and treatments are excluded or considered pre-existing?
Pre-existing conditions—any sign, symptom, or treatment before the policy effective date or during waiting periods—are excluded from coverage.
Bilateral rules apply: if a condition existed on one side before coverage, the same condition on the other side is treated as pre-existing.
Routine preventive care, reproductive services, most dental disease, corrective brachycephalic surgeries and innovative/experimental therapies are excluded.
Repetitive or compulsive conditions may be excluded after repeated similar incidents, so document prior events carefully at enrollment.
What assistance services does Furkin provide to policyholders?
Furkin includes 24/7 access to veterinary nurses via a toll-free line (1-888-453-1005) for non-emergency medical advice and triage support.
Policyholders also get access to the Petriage app, a vet-backed symptom checker to help decide if urgent care is needed.
For larger treatments request pre-authorization to confirm coverage and to arrange direct payment to the clinic where available.
Keep Furkin’s claims email (claims@furkin.com) and phone number handy to speed submissions and follow up on any pre-authorization or direct-pay requests.
Do I have to pay upfront for veterinary fees with Furkin?
Furkin is primarily a reimbursement policy, so you normally pay your veterinarian at point of service and then submit a claim to Furkin for reimbursement.
In many cases Furkin can pay the clinic directly, but this requires a prior pre-authorization and an arrangement between Furkin and the treating veterinary clinic.
For planned or high-cost procedures request pre-authorization so the clinic can confirm whether direct payment is available.
Keep itemized invoices, medical records and your policy number to speed up claim processing and any direct-pay arrangements.
How do I cancel my pet insurance policy with Furkin?
To cancel contact Furkin’s customer care by phone (1-888-453-1088) or email (care@furkin.com) and provide your policy number and pet details.
Furkin will typically require a written or signed cancellation request—send it by email or mail and ask for written confirmation of the effective cancellation date.
Confirm any proration or refund details and stop automatic payments after you receive the confirmation to avoid further charges.
If you have questions about timing or refunds, ask customer care to explain how your final premium will be calculated per the policy terms.
What waiting periods apply before coverage starts?
Furkin’s waiting periods are short but specific: accidents have a 48-hour wait, illnesses have a 14-day wait, and cruciate ligament conditions have a 180-day wait.
Any signs, treatment, or diagnostics that occur during a waiting period are considered pre-existing and are excluded from coverage.
Because some orthopedic conditions carry a long wait, consider enrolling early before any signs appear or before risky activities begin.
Use the waiting period window to complete baseline vet exams and record your pet’s health status for future claims.
How does reimbursement work and what is the annual limit?
Furkin reimburses eligible veterinary costs at a standard 80% rate (you pay 20% co-insurance) up to a fixed annual maximum of $20,000, which renews each policy year.
Some benefits are outside that limit: prescription diet food and certain ancillary benefits have separate caps or are not subject to the deductible/co-insurance.
Medical devices are capped at $500 per eligible condition and prescription diets are capped at $100 per cat / $250 per dog per year.
Always check the Explanation of Benefits to confirm how a specific claim was calculated against your annual limit.
How do deductibles and co-insurance apply on a claim?
Furkin uses an age-based annual deductible you choose from three options (A, B, C); the deductible amount increases as your pet ages.
Once the annual deductible is met for the policy year, Furkin reimburses eligible remaining costs at the 80% reimbursement rate, up to the $20,000 limit.
Deductible choices affect your premium: higher deductibles typically lower monthly cost but increase out-of-pocket risk.
Review your policy schedule to confirm which deductible option you selected and how it changes as your pet gets older.
What conditions and treatments are excluded or considered pre-existing?
Pre-existing conditions—any sign, symptom, or treatment before the policy effective date or during waiting periods—are excluded from coverage.
Bilateral rules apply: if a condition existed on one side before coverage, the same condition on the other side is treated as pre-existing.
Routine preventive care, reproductive services, most dental disease, corrective brachycephalic surgeries and innovative/experimental therapies are excluded.
Repetitive or compulsive conditions may be excluded after repeated similar incidents, so document prior events carefully at enrollment.
What assistance services does Furkin provide to policyholders?
Furkin includes 24/7 access to veterinary nurses via a toll-free line (1-888-453-1005) for non-emergency medical advice and triage support.
Policyholders also get access to the Petriage app, a vet-backed symptom checker to help decide if urgent care is needed.
For larger treatments request pre-authorization to confirm coverage and to arrange direct payment to the clinic where available.
Keep Furkin’s claims email (claims@furkin.com) and phone number handy to speed submissions and follow up on any pre-authorization or direct-pay requests.
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