Furro

Furro, operated by the Finnish company FairShare Technologies Oy, offers a community-based alternative to conventional pet insurance for dogs and cats. Rather than paying a fixed premium to an insurer, members share veterinary costs with one another under a set of Community Rules; the monthly payment is calculated in arrears from the actual eligible treatment costs of the community and can vary between €6 and a personal, pre-disclosed price cap. FairShare Technologies provides the technology platform and rules, while the financial responsibility for treatment costs rests with the members themselves. Because the model is not an insurance contract, members are covered by community rules rather than statutory claims liability, a difference the company sets out explicitly alongside the areas where traditional insurance is stronger.

Cover is sold at two levels, Furro Basic and Furro Plus, both with a €50 plus 25% deductible, annual reimbursement caps of €1,500 and €3,000 respectively, and a maximum joining age of six years. Both levels include accidents, illnesses that begin during membership, procedures and surgery, prescription medicines and vet-prescribed topical products, specialist care and follow-ups, and diagnostics and imaging (MRI and CT costs shareable up to €800 per membership period). Furro Plus adds vet-prescribed rehabilitation, shareable up to €400 per membership period. An optional add-on, Furro Life, provides community-based cover if a dog dies suddenly or is euthanised on veterinary grounds. A separate offering, Furro Breeders, addresses breeders.

The company publishes monthly reports and lets members see all community treatment cases and reimbursements in anonymised form. It reports that 87% of 2026 cases were reimbursed in full or in part, and states that cases most often declined involve pre-existing conditions, dental care or routine vaccination visits.

Founding story

Furro was founded by Daniel Levi and Johanna Hermans. The company describes the concept as bringing the mutual-aid practices of early village communities into the modern age with technology, motivated by rising pet care and insurance costs leaving many pets without cover. Professionals including vets, breeders and trainers were involved before launch.

Business model

FairShare Technologies Oy operates a technology platform and rule set through which members share each other's veterinary costs; members pay monthly in arrears based on realised, rules-eligible treatment costs, between €6 and a personal price cap. The company states that reimbursement decisions affect neither its revenue nor its profit, so approving or declining a case costs it the same.

Members pay a membership fee that is bundled into the monthly payment covering actual treatment costs; the site contrasts this with traditional insurers, which it says spend around 30% of premiums on administration, distribution and profit.

Traction

The site reports more than 2,000 pets in the community, a member rating of 4.7/5 and a Trustpilot rating of 4.7/5, an internal member rating of 4.65/5 for reimbursement cases with 79% giving five stars, 87% of 2026 cases reimbursed in full or in part, and a record number of new pets in July, when 46% of the price cap was collected from members. Total funding of €1.1 million had been raised as of June 2025.

Latest developments

In July, Furro recorded a record number of new pets joining and collected 46% of the members' price cap; a monthly report is published each month. On 2026-08-19 the company posted a vacancy for a breeder specialist. The clinic network for direct billing is described as growing every month.