PetCoverage at a glance
Because both are Petline brands, the underwriter and claim handling are familiar across the two — this is really a choice between a single generous plan and a configurable one. Here's the side-by-side, verified against each provider's 2026 plan.
| Feature | Furkin Pet Insurance | Petsecure |
|---|---|---|
| Reimbursement rate | 80% flat (no tier options) | 80% standard (tiered options) |
| Annual payout cap | Up to $20,000 / year | Capped (e.g. $15,000 / year) |
| Plan structure | One comprehensive plan | Tiered / customizable |
| Wellness / routine add-on | No (bundled telehealth + alt-therapy extras) | Yes (optional) |
| Max enrolment age | Has an upper limit | No upper limit |
| Direct vet pay | No (reimbursement) | No (reimbursement) |
| Cruciate ligament waiting period | 180 days | 6-month wait (hereditary/orthopedic) |
| Underwriter | Petline (Definity group) | Petline (Definity group) |
Where each one wins
✓ Furkin Pet Insurance shines when…
- You want a high cap and one clear plan, not a tier menu
- A $20,000 annual ceiling covers the scenarios you worry about
- You like the bundled telehealth and alternative-therapy extras
✓ Petsecure shines when…
- You want routine care covered via a wellness add-on
- You're insuring an older pet — Petsecure has no upper enrolment age
- You want to tune the reimbursement tier and deductible to your budget
The honest verdict
Our Recommendation
For owners who want a high cap and a single, decision-free plan, Furkin is the cleaner choice — the $20,000 annual limit covers the overwhelming majority of catastrophic scenarios at a mid-market premium. The caveats are the 80% reimbursement ceiling, no wellness add-on, and the long 180-day cruciate wait, so enrol early.
For owners who want routine care included, tier flexibility, or to insure an older pet, Petsecure is the better fit — the optional wellness add-on and no-upper-age-limit enrolment are genuine advantages, even if its top-tier cap is lower than Furkin's.
Same underwriter, different shape
Both Furkin and Petsecure are Petline brands (part of the Definity group), so you're dealing with the same underwriter and a familiar claims process either way. That makes this less about reliability and more about plan design:
- Furkin bets on simplicity: one comprehensive plan, a high $20,000 cap, a flat 80% reimbursement, and bundled extras. No tiers to weigh, no wellness decision.
- Petsecure bets on flexibility: pick your tier and deductible, add wellness if you want routine care covered, and enrol a pet of any age.
How to choose between them
- Do you want routine care covered? Only Petsecure offers a wellness add-on for vaccines and dental cleaning; Furkin does not. Weigh it against what routine care costs.
- How old is your pet? Petsecure has no upper enrolment age, which matters for an older adopted pet. Furkin has an upper limit.
- How high a cap do you need? Furkin's $20,000 is higher than Petsecure's typical top-tier cap — better headroom for a catastrophic year if you don't need wellness.
Read the deeper dives in our Furkin review and Petsecure review, then quote both. For maximum catastrophic protection beyond either, compare against Trupanion vs Furkin and see best pet insurance for dogs.