Furro Breeders

Furro Breeders is designed for breeders who want protection for the most important risks facing the dam and litter, from pregnancy through to handover and the time after it. It suits breeders who want to manage the cost risks involved in breeding, protect the dam and puppies, and give each puppy seamless, uninterrupted cover that continues past the moment of handover. Furro Breeders is a standalone cover, so it doesn't require Furro's basic cover and can also run alongside a traditional Finnish pet insurance policy.

Furro Breeders covers certain birth-related vet costs for the dam, such as a medically indicated, unplanned C-section and other birth complications. The cover also includes post-birth complications such as mastitis and uterine infections as well as problems with milk production. For puppies, Furro Breeders covers the treatment costs of a newly arising illness, injury or accident, and, subject to the detailed terms, also structural hidden defects. The hidden defect cover can include not only treatment costs but also the puppy's value.

Furro Breeders must be taken out by the seventh week of pregnancy at the latest, meaning up to 49 days after mating. It's worth taking out the cover well before this so it's reliably in force at the right time.

Yes, you can. Furro Breeders is its own standalone cover, so it doesn't require Furro's basic cover and also works alongside a traditional pet insurance policy.

Furro Breeders covers birth-related vet costs for the dam, such as a medically indicated, unplanned C-section as well as other birth complications. The cover also includes post-birth complications such as mastitis and uterine infections as well as problems with milk production.

Yes, Furro Breeders can cover an unplanned C-section, but only under certain conditions. Under the Community Rules, a medically indicated, unplanned C-section is covered. In practice this means a C-section may become eligible for cover when the birth isn't progressing normally, or when the condition of the dam or puppies requires urgent intervention in the vet's judgement. In that case the unplanned C-section falls under the dam's birth complications. A C-section planned in advance, on the other hand, is not covered by Furro Breeders.

As litter treatment costs, Furro Breeders covers vet examination and treatment costs arising from a newly acquired illness, injury or accident that begins during the puppy's cover period and during the puppy's lifetime. Congenital illnesses or structural defects are not covered as litter treatment costs; instead, they are assessed separately under the hidden defect terms.

In Furro Breeders, a hidden (latent) defect means a structural defect that was already present in the puppy before birth and is not a new illness, injury or accident acquired during the puppy's lifetime. The key point is that the defect existed at birth or early on, but was not known about and had not shown symptoms before the cover began. The hidden defect cover takes effect for the puppy when it receives a puppy health check certificate, with no remarks, between the ages of 5 weeks and 4 months. The hidden defect cover also remains in force after the puppy's handover, up to the age of two. For clarity, a hidden defect means a defect that existed but stayed hidden during the puppy health check and in everyday life until it later comes to light. For this reason, hidden defects are handled as a separate part of the cover from illnesses, injuries or accidents that begin later in the puppy's life. The hidden defect cover can include the vet's examination and treatment costs as well as the puppy's value, if the pet has to be put down based on a veterinary assessment due to a poor treatment prognosis, or when the treatment costs would exceed the pet's purchase price. At the same time, it's important to note that not all structural defects fall within the cover. Excluded from cover are, for example, defects that don't seriously affect the puppy's health, defects noted at the puppy health check, as well as hip and elbow joint diseases, patellar luxation, osteochondrosis, dental diseases, malocclusion or congenitally missing teeth.

For the dam, Furro Breeders is in force up to eight weeks after the birth. For the puppies, the litter treatment cost cover is in force until handover or for a maximum of 16 weeks from birth. In addition, the puppies' hidden defect cover is in force up to the age of two.

The Furro Breeders deductible is €50 per clinic visit + 25% of the remaining amount. In practice, €50 is first deducted from each reimbursable vet visit, and after that a further 25% of the remaining sum is left as your deductible.

Through Furro Breeders you can receive reimbursement of up to 3,000 euros for the dam, up to 2,000 euros for the litter, and, for hidden defects, the puppy's sale price per puppy, but no more than 3,000 euros. In addition to the vet's examination and treatment costs, the hidden defect cover can also include the puppy's value, in accordance with the detailed Furro Breeders terms.

Furro Breeders doesn't cover every vet cost related to breeding; the cover is limited to the situations set out in the terms. For the dam, the cover doesn't reimburse a C-section planned in advance, nor the costs of injuries or illnesses that began before the cover was taken out or that begin only after the cover has ended. For litter treatment costs, Furro Breeders doesn't cover congenital illnesses as ordinary litter treatment costs before the vet's check and a puppy health check certificate with no remarks. The litter treatment cost cover is intended for acquired illnesses, injuries and accidents that begin during the puppy's cover period and during the puppy's lifetime, so congenital or structural problems are assessed separately, solely under the hidden defect terms. In practice, this means that not every problem that appears in a puppy automatically falls within the scope of litter treatment cost cover. For hidden defects, the cover doesn't reimburse rehabilitation, nor defects that don't seriously affect the puppy's health. Also excluded from cover are defects noted on the certificate issued at the vet's puppy health check, since in that case it's no longer a hidden defect as defined in the terms. In addition, certain specifically named illnesses and defects are excluded from the hidden defect cover, such as hip and elbow joint diseases, patellar luxation, osteochondrosis, dental diseases, malocclusion and congenitally missing teeth. A hidden defect is also not covered if the defect was known about before the cover took effect, if it showed symptoms before the cover began, or if the puppy doesn't have a vet's puppy health check with no remarks as required by the terms. For puppies, the cover doesn't reimburse injuries or illnesses that begin only after the Furro Breeders cover has ended. For those situations you should, as a rule, use the puppy's own new Furro cover or a traditional pet insurance policy, if the new owner has one.

Furro Breeders is designed so that the breeder can transfer the puppy's cover to its new owner digitally, with a few clicks, on the day of handover. The aim is to make the handover as smooth, light and paperless as possible. When the transfer is made from Oma Furro, the puppy's cover continues uninterrupted and with no waiting periods for the new owner. In practice, the idea behind Furro Breeders is that the puppy's cover doesn't simply fall away at handover; instead, the puppy's cover can be transferred as part of the puppy's new ownership without heavy paperwork. This is one of the product's key benefits, because the cover was built specifically for a seamless handover.

How you make a claim depends a little on whether you visit one of Furro's direct-settlement clinics or an approved clinic. Up-to-date information on how to make a claim in your particular situation is always available in Oma Furro. For a claim you'll usually need the vet's patient record and an itemised breakdown of the costs.

You'll find the detailed Furro Breeders terms in the Community Rules, under the Furro Breeders section. You can review the terms here.

If you can't find an answer here, we're happy to help. The easiest way to reach us is by sending a message to hei@furro.com. If needed, we can also help clarify how the Furro Breeders terms apply to your particular situation.