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Do we cover…?

Let’s Find Out Together 🕵️‍♀️🐾

With up to $20K/year, 80% back on eligible vet bills – including sick‑visit exams and applicable taxes – we’ve got your pet covered from nose to tail

Get a Furkin quote Sample Policy

Great question.

We cover a lot of things – like unexpected ouchies, weird symptoms, and those “should we call the vet?” moments.

🧭 How Our Coverage Works

Your policy starts at 12:00 AM the day after you enroll. That’s also when your waiting periods begin – the short countdown before some or all of your coverage kicks in.

 

When it kicks in:
Accident waiting period: 48 hours after policy start date
Illness waiting period: 14 days
Cruciate/knee conditions: 180 days 


Why it matters:
Once these pass, unlimited claim access up to your annual $20K. And that $20K renews every year – no matter how much you claim.
 
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Covered - What's Included

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Core Coverage
Accident & Illness
Sick‑visit exams + applicable taxes
Imaging (X‑ray, CT, MRI)
Hospitalization, surgery, anesthesia
Diagnostics & bloodwork
Emergency & specialist referrals
Prescription medications		 Advanced & Extra Care
Alternative therapies (acupuncture, physio, chiropractic)
Cancer treatments & chronic care (diabetes, allergies)
Hereditary/congenital conditions included
Prescription diets, medical devices, travel boarding, and over $3K/year in perks – like lost‑pet advertising, pet‑trip cancellation, 24/7 Telehealth, cremation support, etc. (subject to certain sub-limits)

 

FUR HERO Testing

🚫 What’s Not Covered

❌ Not Covered Why?
Routine and preventive wellness (vaccines, dental cleanings) We focus on the unexpected so premiums stay affordable for all members.
Behavioural/preventive training or devices  These expenses are considered part of routine care and general pet ownership, rather than unexpected medical needs.
Cosmetic/elective procedures  We focus on the unexpected, so premiums stay affordable for all members.
Pre‑existing conditions Conditions before policy inception or during waiting periods, including associated or bilateral conditions, aren’t included. If pet insurance companies didn’t exclude pre-existing conditions, it would be easy for some people to wait until their pet developed expensive conditions before enrolling and starting to pay for insurance. Therefore, causing affordable premium costs to go up for all other responsible pet parents.

See full policy (Page 17) for details

🔥 Why Furkin Beats Other Pet Insurance

$20K annual limit that resets every year, so you always have fresh coverage 

Sick visit exam fees + applicable taxes covered – that many other insurers don’t include

Flexibility for chronic conditions: once covered, they stay covered – no per-condition caps

Real perks included at no extra cost – 24/7 Telehealth support, travel support, cremation assistance, lost‑pet advertising & more 

🚀 Ready to See If You’re Covered?

Checklist:
Accident? ✅
Illness? ✅
Specialist, imaging, medications, diet? ✅
Alternative therapy? ✅
Chronic issue? ✅

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Prefer pictures? Here’s a treat-sized view:

Covered vs. Not Covered

Still unsure?

Click any question below to reveal the answer... or just get your quote now and let us show you Furkin’s coverage in action!

Here’s a quick way to see what’s pawtected under the Furkin plan.
Yep! That’s our bread and butter (or peanut butter)
From ear infections to broken bones, your pet’s covered for unexpected health issues that they may experience in their lifetime.

We sure do.

If your pet’s not feeling their best and you take them in for an eligible accident or illness, we’ve got the exam fee (and taxes!) covered.

Yes! If they’re prescribed by your vet to treat a covered condition.
Special kibble or meds? Consider it handled.

For prescription foods, we cover $100 per cat and $250 per dog, per policy year. Co-insurance and deductible don't apply to this, and it also doesn't apply to your $20k annual limit.

Absolutely.

Once it’s covered, it stays covered once your deductible is paid and up to your maximum annual limit – no per-condition limits, no lifetime limits. Just care. 

Nope, we don’t cover the predictable and preventable stuff.

But that’s how we keep our premiums affordable for the unexpected stuff. (And hey, your vet probably has great wellness packages for that.)

P.S. We do cover dental tooth fractures for eligible accidents and illnesses

Yes and yes.
Whether it’s the middle of the night or you need a fancy specialist—we’ve got your back (and your pet’s belly, leg, or whatever needs help).
Yes!
If it’s prescribed by your vet to treat a covered condition, we’re into it—even if it involves tiny needles.
No.
If your pet showed signs or symptoms of something before your policy started (or during a waiting period), including associated or bilateral conditions, that’s considered pre-existing. But future unrelated new conditions? Those are covered.

Once you have Furkin… 

Yup. That’s an accident, and if your vet recommends diagnostics, surgery, or hospitalization to remove it, Furkin helps cover those costs once your deductible is paid – up to 80% back, including exam fees and taxes.
Yes. Vomiting, diarrhea, and other sudden illness symptoms are covered – if your vet needs to investigate, you’re eligible for reimbursement on exams, diagnostics, treatment, meds, and more.

Covered. As long as it’s not for a pre-existing condition or elective procedure, surgery (plus anesthesia, imaging, hospitalization, meds) is all within your annual coverage.

Absolutely. Chronic conditions like allergies are covered for the lifetime of your pet as long as they’re not pre-existing. Furkin helps with meds, specialist visits, and even prescription food if needed to treat it.
We do. Once a condition is covered, it stays covered – no per-condition or lifetime limits. That includes ongoing treatment, monitoring, and follow-up care.
If it’s prescribed to treat a covered condition, yes! You can claim for eligible prescription food – just submit your vet’s recommendation with the invoice.

For prescription foods, we cover $100 per cat and $250 per dog, per policy year. Co-insurance and deductible don't apply to this, and it also doesn't apply to your $20k annual limit.

That one might be considered pre-existing. But Furkin’s got good news: if your cat doesn’t show any signs, symptoms, or abnormalities related to the ear infection – and doesn’t receive any diagnosis, treatment, or medication for it – for a period of 24 consecutive months, we may no longer consider it pre-existing. At that point, it could be eligible for coverage again.

Our Care Team would be happy to chat through your cat’s specific situation to help give you insight on what may be covered! Contact them here. 

It could be. Any signs, symptoms, or abnormal behaviour noted before your policy start date or during the waiting period could affect coverage. Always best to sign up before something starts.


Our Care Team would be happy to chat through your dog’s specific situation to help give you insight on what may be covered! Contact them here. 
Yep! If your vet needs diagnostic tests to figure out what’s going on, those are eligible expenses under your plan.
Still covered. You can use any licensed vet in Canada or the U.S. – your Furkin plan travels with you.
Yes, and we’re so sorry you’d ever need it. We include coverage for cremation and burial costs up to a set limit, plus a tree can be buried in your pet’s memory ❤️
We’ll work with your vet to review records and clarify what’s new vs. pre-existing. Transparency is our thing – and we’ll never make you guess.
More than 98% of pet parents love us so Furkin much, they stick around year after year

Don’t wait until the vet bill arrives.

Cover the unpredictable now – with up to $20K/year, 80% back, and perks that matter – to keep your pet safe and your wallet protected.

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Questions?
How can we help? We’d love to hear from you and are here to answer any questions you may have.
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