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Furkin pet insurance in Canada

Facts checked against Furkin's own policy documents and website (reviewed 2026-05-19). We're independent and earn no commission.

A good fit if

  • βœ“ you want exam fees covered

Look elsewhere if

  • βœ• dental disease coverage matters to you
  • βœ• you live where it isn't sold

Furkin

Furkin Plan

One simple comprehensive plan with a high $20,000 annual limit; you customize only the deductible.

$$ Mid-rangeAccident & illness
Reimburses
80%
Annual limit
$20,000
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days
Deductible
Annual deductible, age-banded β€” three choices, roughly $100–$1,150.
Annual limit
$20,000 per policy year; resets yearly with no lifetime cap on any condition.
Dental
Only covers extraction of a previously healthy adult tooth fractured in a traumatic event.
Alternative therapy
Acupuncture, chiropractic, hydrotherapy, massage, physiotherapy and laser therapy covered.
Wellness
No routine/preventive coverage is offered.
Waiting periods
Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 180-day waiting period on cruciate ligament conditions.
Eligibility
New policies up to age 14. Minimum age 7 weeks. Not sold in Nunavut, Quebec.
Multi-pet discount
5%
Underwriter
GPIC Insurance Company (a Trupanion-owned brand)

Good to know

  • β€’High $20,000 annual limit
  • β€’One simple plan β€” customize only the deductible
  • β€’Vet exam fees and alternative therapies covered
  • β€’Claims can be paid straight to your vet where the clinic has an arrangement with Furkin
  • β€’Includes 24/7 telehealth

Watch out for

  • !Not available in Quebec or Nunavut
  • !Dental limited to accidental tooth fractures only
  • !Fixed 80% reimbursement
  • !180-day waiting period for cruciate ligament conditions
  • !A one-time enrollment fee applies
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Furkin: common questions

Does Furkin cover vet exam fees?

Yes. Exam fees for covered conditions are reimbursed.

How much does Furkin reimburse?

80% of eligible costs after the deductible. Annual deductible, age-banded β€” three choices, roughly $100–$1,150.

Is there an annual limit with Furkin?

$20,000 per policy year; resets yearly with no lifetime cap on any condition.

Does Furkin cover dental?

Only covers extraction of a previously healthy adult tooth fractured in a traumatic event.

What are Furkin's waiting periods?

Accidents: 2 days; illness: 14 days; orthopedic/cruciate: 6 months. 180-day waiting period on cruciate ligament conditions.

Is Furkin right for your pet?

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Other Canadian insurers

Trupanion Β· Pets Plus Us Β· Petsecure Β· Sonnet Β· OVMA Pet Insurance Β· PHI Direct Β· Fetch Β· Desjardins Β· Spot