Scrolling through Facebook a few months ago I saw Figo. Looked into it and just on a whim, took out a policy for our Aussie. She's having some problems now. Met our deductible and i submit claims using the phone app, sometimes they are processed and approved the very same day! Payment comes out of my checking account and reimbursements go back into the checking account. I've called a few times with questions, the agents are wonderful, very helpful. I have already recommended Figo to my friends who own pets. We will never have a pet without Figo insurance. And I can use it anywhere in the US, if we are traveling we have insurance, unlike a policy through your vet, plus we have all her records if we are away and she needs to see a vet. I love everything about Figo. Even the website is really cute!