I have had coverage with Figo for the past 2 years, and they continue to impress me! There are some coverage exclusions, but they are all clearly explained before you sign up for your plan. Filing a claim could not be easier, and they are usually processed within 24-48 hours. When my pup needed an expensive surgery, I was able to submit vet records ahead of time for pre-approval, so I knew that the procedure should be covered. Thanks for everything, Figo!