About Furkin
Furkin is a newer entrant to the Canadian pet insurance market, founded in 2021 and headquartered in Toronto. As a Canadian startup, they're focused on modernizing pet insurance with a tech-forward approach and flexible coverage options.
What Makes Furkin Stand Out
High Annual Benefit Limit: Furkin offers one of the highest annual benefit limits in Canada at $20,000, significantly higher than competitors like Fetch ($5,000) or Petsecure ($5,000-$15,000). This provides extra peace of mind for expensive treatments.
Multi-Pet Discounts: Like most pet insurance companies, Furkin offers discounts when you insure more than one pet under the same policy, making it more affordable for households with multiple furry family members.
Customizable Deductibles: Furkin allows you to choose from a wide range of deductibles ($100 to $1,000), letting you balance your monthly premium against your out-of-pocket costs.
Canadian Company: Founded in Canada in 2021 and underwritten by Accelerant Insurance Company, Furkin understands the Canadian veterinary landscape and regulatory environment.
Coverage Details
What's Covered:
- Accidents and injuries
- Illnesses (acute and chronic)
- Emergency care
- Surgery and hospitalization
- Diagnostic tests (X-rays, bloodwork, etc.)
- Prescription medications
- Hereditary and congenital conditions
- Chronic conditions
What's Not Covered:
- Pre-existing conditions
- Routine wellness care
- Breeding costs
- Elective cosmetic procedures
Annual Benefit Limit:
- $20,000 annual maximum
- One of the highest in Canada
- Sufficient for major surgeries and extended treatment
Pricing
Furkin's pricing is competitive for their coverage level:
- Average Monthly Premium: $110.48/month
- Reimbursement Rate: 80% (you pay 20%)
- Deductible Options: $100, $200, $500, $1,000 (customizable)
- Annual Benefit: $20,000
Example: If your vet bill is $5,000:
- You pay your deductible: $500
- Remaining: $4,500
- Furkin reimburses 80%: $3,600
- Your total cost: $1,400
Claims Process
Furkin offers a modern, digital-first claims experience:
- Pay your vet at checkout
- Submit a claim online via their website or mobile app
- Get reimbursed via direct deposit
- Track your claim in real-time through their platform
Important Considerations
Limited Review History: Furkin currently has only 5 reviews on Trustpilot with a 3.1/5 rating. As a company founded in 2021, they're still building their track record. The small number of reviews makes it difficult to assess long-term customer satisfaction.
Newer Company: While Furkin brings fresh ideas to the market, they lack the decades of experience that companies like Trupanion (2000), Pets Plus Us (1996), or Fetch (2003) have. Some pet owners may prefer established providers with proven claims handling.
80% Reimbursement: Furkin's 80% reimbursement rate is lower than Trupanion (90%) or Fetch (90%), meaning you'll pay more out-of-pocket for covered expenses.
Business Hours Only: Customer service is limited to business hours, unlike 24/7 support offered by Trupanion and Fetch. This could be inconvenient during pet emergencies.
Who Should Choose Furkin?
Furkin may be right for:
- Multi-pet households: Discounts make insuring multiple pets more affordable
- High-coverage seekers: The $20,000 annual limit is excellent for expensive treatments
- Canadian supporters: If supporting local startups matters to you
- Tech-savvy owners: Modern platform and digital experience
- Flexible deductible needs: Wide range of customizable options
Who Should Look Elsewhere?
Consider other options if you:
- Want proven track record: Companies like Trupanion or Fetch have decades of reviews
- Need 24/7 support: Furkin only offers business hours support
- Prefer 90% reimbursement: Fetch and Trupanion offer higher rates
- Want lower premiums: Budget options like Petsecure are more affordable
The Bottom Line
Furkin is a promising new player in the Canadian pet insurance market with strong coverage (80% reimbursement, $20,000 annual limit) and modern technology. However, their limited review history (only 5 Trustpilot reviews, 3.1/5 rating) and short track record (founded 2021) mean they're still proving themselves.
Best for: Multi-pet households wanting high annual limits and willing to try a newer Canadian company.
Skip if: You prefer established providers with proven customer satisfaction and decades of experience.
Last Updated: 2026-08-23
Trustpilot Rating: 3.1/5 (5 reviews) - Updated August 2026
Note: Limited review sample size. Rating may change as more customers review.