My pup, Jojo, had a knee injury that was diagnosed by multiple veterinarians. Even though i had multiple vets tell me this, FIGO still chose to claim that it was a previous existing condition. I even had the vets write letters in regards to the findings of the injury and FIGO still refused to cover it. Do not waste your money with this insurance.
In addition, after 3 years of having their policy, they decide to change the underwriter. Thus, cause an increase in premium and an increase in deductible. If I chose to go back to my previous deductible, it would be a $45+ in addition to what i was already paying. The only reason I do not cancel this policy is because of my pups already diagnose health conditions that would not be covered elsewhere. Do not buy this insurance. It will cause you multiple headaches.