This company probably won't last-- they were offering insurance plans that were too good to be true and must have finally realized because without warning they doubled my premium ($42 to $86) for the same plan. I only went with Figo because they had great coverage compared to cost and waived a lot of waiting periods for certain conditions (hip dysplasia, etc). However, if they will be doubling my premium to be able to offer this type of coverage, this is not what I signed up for. I should have went with Healthy Paws from the beginning and I would be past the 1 year waiting period. Wasted a year with Figo. Go with more reputable insurance providers. They are NOT IT.