Compare Fursure Pet Insurance

Comparison Fact Sheet
Updated 03/01/2025

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Fursure
Also Known As  
Address 2021 Fillmore St PMB 9162
San Francisco, CA 94115
Phone Phone number not available
Website www.getfursure.com
Plans That Provide Both Accident and Illness Coverage Fursure Accident and Illness Plan*
States Covered Not available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by StarStone National Insurance Company.

StarStone National Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 03/01/2025.

For the most recent ratings go to: AM Best
Year Company Started Founded in 2020

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 8 weeks

Maximum age = 10 years

*May vary by state
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 3 days for accidents
14 days for illnesses

6 months for cruciate ligament conditions

**Waiting Periods can vary by state. See actual policy or contact Fursure Pet Insurance to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate ligament conditions

**Waiting Periods can vary by state. See actual policy or call Fursure Pet Insurance for complete details regarding cruciate ligament conditions
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the United States and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Fursure Pet Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear
What Happens when the Policy Renews? It is not clear if chronic conditions will continue to be covered each year.
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? You may visit any licensed veterinarian in the United States and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call Fursure for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy NOT available online.

The sample policy is a sample of the contract you will be agreeing to. It is also where all the limitations and requirements are described. It is important that know what you are buying prior to purchase so you can make an informed decision.

Before buying, ask Fursure Pet Insurance for a full sample policy for your state. If they do not give you one, you will have to decide if this works for you.

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage [INCLUDED]

Behavioral Therapy by a licensed veterinarian is covered.

Without sample policies, it is difficult to assess if there are any limitations to this coverage.

**See actual policy for a complete description of what types of Behavioral Therapy are covered.
Alternative Therapy Coverage [INCLUDED]

Without sample policies, it is difficult to assess if there are any limitations to this coverage.

**See actual policy for a complete description of what types of Alternative Therapy are covered.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

Without sample policies, it is difficult to assess the full extent of their pre-existing condition policy.

**See actual policy for a complete description/definition of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED]

Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Without sample policies, it is difficult to assess if there are any limitations to this coverage.

**See actual policy for a complete description.
Continual Coverage for Chronic Conditions It is not clear how Continual Coverage for chronic conditions is handled.
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Without sample policies, it is difficult to assess if there are any limitations to this coverage.
Cancer Coverage Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Without sample policies, it is difficult to assess if there are any limitations to this coverage.
Cancer Coverage Limits Without sample policies, it is difficult to assess if there are any limitations to this coverage.
Hip Dysplasia Hip Dysplasia is covered as long as is is not pre-existing and has not occurred during the waiting period.

Without sample policies, it is difficult to assess if there are any limitations to this coverage. (e.g. Is this considered a bilateral condition for purpose of exclusion?)
Prescription Drug Coverage [INCLUDED]

Without sample policies, it is difficult to assess if there are any limitations to this coverage.

**See actual policy for full list of inclusions and exclusions
Pregnancy Coverage Not Clear
Routine/Wellness Benefits [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) Dental accidents and illness are covered.

Without sample policies, it is difficult to assess if there are any limitations to this coverage.

**See actual policy for full list of inclusions and exclusions.
Bilateral Conditions Policy Not Clear

**Contact Fursure Pet Insurance for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Without sample policies, it is difficult to assess the full extent of coverage.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Parasites
  • Prescription Food
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $250, $500, $750, $1,000, $1,200
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined It is not clear if the reimbursement is based on the Actual Vet Bill or UCR.

Reimbursements are calculated by applying your reimbursement percentage first, then your deductible. This can lead to being reimbursed less than companies that subtract the deductible BEFORE applying the reimbursement percentage.
Max Payout Annually Choose from $5,000 and Unlimited.
Max Lifetime Payout Fursure does not have a maximum lifetime payout.
Max Payout per Incident Fursure does not have a maximum payout per incident
Max Payout Based on Body System Fursure does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly In addition to paying the veterinarian and then being reimbursed at a later date, Fursure has the option of on-the-spot reimbursement with Fursure Direct Pay. Customers must apply and be approved for the Fursure Debit Card.

According to their website: "Once we approve funds for Fursure Direct Pay (typically within 15 minutes for ongoing visits and a few days for future visits), we will confirm in the app so you know how much you have available to spend on your upcoming visit."

The website doesn't explain if/how Fursure Direct Pay works for visits you do not know about in advance, like emergency situations.

 

Pricing
Approximate Monthly Costs Approximately $30.00 - $150.00 depending on depending on species, location, plan, etc

 

Additional Info
My Review Fursure Review
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau At the time of this writing, Fursure Pet Insurance does not have a Better Business Bureau rating.
Additional Info  

*The information in the above charts only applies to Fursure's pet insurance plans that cover both illness and accidents. If your pet is only eligible for accident coverage, please contact Fursure for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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