Furkin Pet Insurance Review 2024

Furkin offers generous coverage for veterinary services with no per incident or per illness maximum, including:

• Exam fees
• Hospitalization
• Emergency care
• Anesthesia and surgery.
• Diagnostics
• Imaging, including CT scans, MRIs and X-rays.
• Medical procedures
• Prescription medications
• Referral and specialist fees.
• Alternative therapies, including acupuncture, chiropractic services, veterinary orthopedic manipulation, hydrotherapy, massage therapy, physiotherapy and laser treatments.
• Behavioural therapy
• Applicable taxes
• Coverage for any accident or illness while travelling in the U.S. or Canada.
• Dental tooth fracture due to a traumatic event, and associated treatment
  expenses, such as anaesthetic and surgery.
• Medical devices ($500 per each eligible condition).
• Treatment of parasites (with a diagnosis, not as a preventive).
• Prescription dog food, to a maximum of $250 per year.
• Euthanasia for a covered condition.
• Holiday/trip cancellation due to your pet’s medical emergency (up to
  $1,000 per incident).
• Advertising and reward for a lost or stolen pet (up to $1,000 per year).
• Emergency boarding kennel fee if you (or a family member of the same household) are hospitalized (up to $1,000 per incident and up to $30 per day).
• Cremation or burial up to $1,000 if your pet is medically euthanized.

Furkin does not offer any additional coverage as riders or add-ons.

Like all pet insurance companies, Furkin does not cover pre-existing conditions, also called foreseeable conditions, defined as “any condition that starts or shows symptoms, with or without a confirmed diagnosis” prior to enrollment or within any applicable waiting periods.

In addition, Furkin does not cover:

• Cosmetic procedures, such as debarking, ear cropping, nail trims, grooming or tail docking.
• Vaccinations and routine care.
• Preventive dental, including cleaning or polishing
• Dental illnesses, including treatment of tooth structure irregularities, root canals, orthodontic care, treatment of teeth and gums.
• Innovative therapies, including regenerative therapy, stem cell therapy, prolotherapy, platelet rich plasma therapy, homeopathic care, hyperbaric oxygen therapy, osteopathy and cryonics.
• Expenses related to pregnancy or whelping.
• Spaying or neutering.
• Organ or tissue transplants.
• Corrective procedures for brachycephalic breeds (such as pugs and bulldogs).

Pet insurance companies have what’s called a waiting period, which is the amount of time before your policy is effective and you can be reimbursed for claims.

With a Furkin policy, there is a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. There is also a special 180-day waiting period for cruciate ligament conditions.

Maximum annual limit options
$20,000

Deductible options
$100*
$300
$750

Reimbursement options
80%

*Applies an age-based deductible as your pet gets older.

Here’s how the age-based deductible works:

If you purchase insurance for more than one pet, Furkin offers a 5% multi-pet discount.

Launched in August 2021 and underwritten by Omega General Insurance Company, Furkin is a medium-cost brand of premium pet insurance provider Trupanion. Furkin distinguishes itself from other insurers with added services above and beyond the standard coverage, including reimbursement for exam fees and taxes, 24/7 Telehealth support and over $3,000 in additional pet owner support benefits annually.

Furkin does not have any external partnerships.

To find the best pet insurance we reviewed each company’s policy wording and used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates: 40% of score. We calculated average rates for plans with $5,000 or unlimited coverage, a $100 deductible and an 80% reimbursement level, or the closest options available.

Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of six months or less, or the ability to have the waiting period waived scored higher.

Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans: 10% of score. Insurers that offer wellness plans, either included with a plan or as a rider, earned points.

Coverage for dental illness: 10% of score. While most insurers cover dental accidents, not all insurers cover dental illnesses, such as gum disease or cleanings. Plans with more extensive dental coverage scored higher.

Pet ownership assistance: 5% of score. Insurers that include coverage for pet owner expenses, such as advertising and reward for lost pets, boarding for medical emergencies, end of life expenses and/or vacation cancellation, scored in this category.

Any discount: 5% of score. Insurers that offer any kind of discount, including a multi-pet discount, healthy pet discount, loyalty discount, etc., earned points.