About Furkin
Furkin is a Canadian pet insurance provider offering accident and illness coverage for dogs and cats. Its current policy provides an annual limit of $20,000 CAD and reimburses 80% of eligible veterinary expenses, subject to the policy's annual deductible, terms, exclusions, and waiting periods. Furkin policies are underwritten by GPIC Insurance Company and sold and distributed by Canada Pet Health Insurance Services, Inc. dba Furkin. Furkin is available across Canada except Quebec and Nunavut.
What Makes Furkin Stand Out
$20,000 Annual Coverage: Furkin provides a $20,000 CAD annual policy limit. The annual benefit renews each policy year, and Furkin states that it does not impose per-condition or lifetime limits on eligible conditions.
80% Reimbursement: Furkin reimburses 80% of eligible veterinary expenses after the applicable co-insurance and annual deductible are applied.
Age-Based Annual Deductibles: Furkin offers three annual deductible choices based on the pet's species and age. Current options range from $100 to $1,150 for dogs and from $100 to $950 for cats.
5% Multi-Pet Discount: Customers insuring more than one pet receive an automatic 5% multi-pet discount.
Broad Included Benefits: Coverage includes sick-visit exam fees, applicable taxes, diagnostics, imaging, prescription medications, hereditary and congenital conditions, alternative therapies, and additional pet-owner assistance benefits, subject to policy terms and limits.
Coverage Details
What's Covered:
- Accidents and illnesses
- Emergency veterinary care
- Anesthesia and surgery
- Diagnostics and blood tests
- Imaging, including CT scans, MRI, and X-rays
- Sick-visit exam fees
- Prescription medications
- Hereditary and congenital conditions
- Alternative therapies, including eligible acupuncture and chiropractic care
- Referral and specialist fees
- Dental injuries
- Applicable taxes on eligible veterinary expenses
- Certain additional benefits, including lost-pet advertising/reward, boarding fees, trip cancellation, medical devices, and prescription diet food, subject to policy limits
What's Not Covered / Key Exclusions:
- Pre-existing conditions
- Conditions, signs, or symptoms arising before coverage or during an applicable waiting period
- Routine and preventive care unless specifically provided by the policy
- Other exclusions and limitations listed in the policy document
Annual Benefit Limit:
- $20,000 CAD per policy year
- Renews each policy year while coverage remains in force
- No per-condition limit on eligible conditions
- No lifetime limit on eligible conditions
Pricing
Furkin does not publish a single representative monthly premium on its main coverage pages. Premiums are quote-based and depend on factors including your pet's breed, age, sex, location, and selected deductible.
- Reimbursement Rate: 80%
- Annual Policy Limit: $20,000 CAD
- Deductible Type: Annual
- Deductible Choices: Three options based on age and species
Current Annual Deductible Options:
Dogs:
- Under 5 years: $100, $300, or $750
- 5-10 years: $300, $500, or $950
- Over 10 years: $500, $700, or $1,150
Cats:
- Under 5 years: $100, $300, or $750
- 5-10 years: $200, $400, or $850
- Over 10 years: $300, $500, or $950
How Reimbursement Is Calculated: Furkin applies the 20% co-insurance to eligible expenses first and then applies any remaining annual deductible. Once the annual deductible has been fully satisfied, no additional deductible is applied to eligible claims for the rest of that policy year.
Claims Process
Furkin's published claims process is:
- Visit a licensed veterinarian in Canada or the United States
- Pay the veterinary invoice
- Submit your claim with the required claim form and supporting invoices/documentation
- Receive approved reimbursement by direct deposit
Furkin states that approved claims can be paid in as little as 72 hours, while direct deposits average approximately 3-5 business days. First or more complex claims can take longer if additional medical records or information are required.
Waiting Periods
Current Furkin waiting periods are:
- Accidents: 48 hours
- Illnesses: 14 days
- Cruciate ligament conditions: 180 days
Waiting periods begin at 12:00 a.m. on the policy effective date.
Enrollment and Eligibility
Pets must be at least 7 weeks old and under 14 years of age at initial enrollment. Once enrolled, coverage can continue to renew throughout the pet's life, including after the pet turns 14, provided the policy remains in force.
Furkin also requires the pet to have had a complete physical examination by a veterinarian within the 12 months before the policy effective date, as described in its policy.
Customer Support and Additional Services
Furkin's Care Team can be contacted by phone, email, or website chat. The company also includes 24/7 telehealth support as part of its coverage. Furkin's published claims guide lists Care Team phone hours as Monday-Friday, 6:00 a.m.-4:00 p.m. PT, while email can be sent at any time.
Important Considerations
Fixed 80% Reimbursement: Furkin's standard policy reimburses 80% of eligible expenses. Customers looking specifically for a 90% reimbursement option will need to compare other providers.
Enrollment Age Limit: New pets must be under 14 years old when first enrolled, although existing policies can continue to renew after age 14.
Cruciate Waiting Period: Cruciate ligament conditions have a 180-day waiting period, substantially longer than the accident and illness waiting periods.
Geographic Availability: Furkin states that its policies are available in all Canadian provinces and territories except Quebec and Nunavut.
Trustpilot Sample Is Small: As of August 24, 2026, Furkin's Trustpilot profile shows a 4.1/5 TrustScore based on 6 reviews. Because the sample is very small, the score should not be treated as a robust measure of overall customer satisfaction.
Who Should Choose Furkin?
Furkin may be a good fit for:
- High-coverage seekers: $20,000 in annual coverage with no per-condition or lifetime limit on eligible conditions
- Multi-pet households: Automatic 5% multi-pet discount
- Owners wanting broad included coverage: Sick-visit exam fees, applicable taxes, alternative therapies, diagnostics, and additional pet-owner assistance benefits are included subject to policy terms
- Owners who prefer an annual deductible: The deductible applies once per policy year rather than separately to each condition
- Travellers with pets: Eligible veterinary care can be obtained from licensed veterinarians in Canada or the U.S.
Who Should Look Elsewhere?
Consider other options if you:
- Want a 90% reimbursement option: Furkin's reimbursement rate is 80%
- Are enrolling a pet aged 14 or older: New enrollment requires the pet to be under 14
- Live in Quebec or Nunavut: Furkin is not currently available there
- Want a shorter cruciate-condition waiting period: Furkin applies a 180-day waiting period
The Bottom Line
Furkin's current Canadian policy combines an 80% reimbursement rate, $20,000 annual policy limit, three age-based annual deductible choices, and a broad range of included accident-and-illness benefits. It also offers an automatic 5% multi-pet discount, no per-condition or lifetime limits on eligible conditions, access to licensed veterinarians in Canada and the U.S., and 24/7 telehealth support.
The main limitations to consider are the fixed 80% reimbursement rate, the under-14 initial enrollment requirement, the 180-day waiting period for cruciate ligament conditions, and the lack of availability in Quebec and Nunavut.
Best for: Pet owners looking for a high annual limit, broad included benefits, and a once-per-year deductible.
Skip if: You specifically need 90% reimbursement, are enrolling a pet aged 14 or older, or live in Quebec or Nunavut.
Last Updated: 2026-08-24
Trustpilot Rating: 4.1/5 (6 reviews) - checked August 24, 2026
Note: Trustpilot's sample is very small, so the rating may change materially as additional reviews are posted.