The polar animals from their birth are habit ed or are adopted in the polar regions. Eg. the polar bears and other animals like the penguins in the south pole are covered with thick blanket of silky furs. Their bloods are much more warmer then that of ours in the tropics or temperate s. Their skins are filled with fats which keeps them warmer.  
2 3 2
The have thick white fur , they have layer of fat under the fur to protect themselves from cold .
Some animals have white fur so that the can merge in the snow and attack their prey .
1 5 1