If I could give Figo 20, I would. I couldn't be more pleased with my transactions. All claims submitted via the website and this is extremely easy. These took only several days to process and the money was deposited into my account. I received all the reimbursement I was due according to the plan I purchased. I "stood on the fence" and waited for years to purchase insurance. I wouldn't hesitate at all to do so now after my experience with them. Figo has a customer for life!