Our last Golden Retriever's insurance turned out to be a joke, although we had the best plan they offered and had it for 9 years, they ended up only paying 20% of his $4,000 for his cancer medical expenses. We were very disappointed. The company found every reason to not help with his expenses.
For our new Golden puppy, I checked out EACH and EVERY pet insurance company I could find, and there are many these days. FIGO had the very best coverages for so many things that other carriers do not cover.
We have had one claim and it was easy to file online. The reimbursement (which paid out way more than the last company would have paid) took about a month, but FIGO said they were changing the way they paid to expedite future reimbursements.
All in all, I am pretty sure that we love FIGO!!!