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Buckle up; this is a long one.Some years ago, we considered insurance coverage for our dog, but opted at the time not to purchase because it didn't make sense from a value standpoint, most particularly because the plans available then only seemed to pay what they felt like paying (a.k.a. usual and customary rates). More recently, with two dogs now, we felt it worth re-investigating the state of the offerings, and were happy to find that there are some more reasonable choices now. I'm posting here because a) I find value in what we discovered, and b) the concept of insurance works best when the risk is spread across many participants. Primary factors in our having chosen Figo -- even though they don't offer bovine coverage (that's cows, btw), which is fine because we don't have any of those: - Payment based on vet bill (vs usual and customary), reasoning is self explanatory; - Annual deductable (vs per incident), reasoning is that you don't want to start the clock over for each separate incident, and premiums should be lower with a per incident deductable, but they don’t seem to be; - Inclusion of exam fee (vs NOT), reasoning, it is part of the spend, so why don't others count this?! - Alternative treatments are covered (though I’m not expecting to use any); - No maximum lifetime payout; - Option to have no maximum annual payout (thought this option costs a little more); - Reasonable premium (competitive, relative to at-best comparable plans from other providers). Figo is new, so with that comes some newer thinking around old product. Namely, they’ve got a modernized wrapper around the claims filing process and document management -- all online via the pet cloud. I initially pooh pooh’d that, since it is just a set of online folders (is it for us or for them?), but having records all organized online is turning out to be nice, compared to paper folders in my file cabinet. And while we are relatively new customers, we’ve had positive experience so far. They’ve been accessible and responsive to suggestions; our first claim was processed (toward deductable) quickly and painlessly, and our patient got a nice get well card in the mail. We really purchased this for anything major that might come along, so we're happy with the peace of mind at a reasonable price. I'm giving Figo a rating of 10 so it gets placed where it should in the rankings, which are otherwise inflated. (There is always room for improvement, so nobody should really be gett

Easy to file claimGreat communication about status of claim Quick processing Fair decision I'm a convert

Easy to file claimGreat communication about status of claim Quick processing Fair decision I'm a convert

Couldn't give Healthy Paws enough praise! After my Boston developed a mammary tumor that needed removed, Healthy Paws made the entire claim process and turn around time very quick and easy. Their site and document upload process is easy and user friendly and their staff followed up with me after the surgery to just to see how everything was going. Would definitely recommend them to any pet parent!

I can't say enough about the service and kindness we have received through ASPCA Pet Health Insurance. The reimbursement is almost secondary to the very kind and concerned telephone calls from ASPCA when my dog is ill. They really seem to care about the animals welfare. In addition, the coverage has been more than I could have anticipated or asked for. We have had several illnesses over the past few years and I always feel sheepish turning our claims in. The adjusters have been timely in reimbursing us and gracious in my communication with them.

Thanks for helping pay my claims! It was a highly stressful time for us over 24 hours with my pup ingesting foreign objects. Embrace was quick and easy to help pay these claims!

This was my first experience in filing a claim; as I never had insurance previously. The claim form is easy to complete; and because both the Pet E.R. and my vet were familiar with the process, my biggest responsibility was to put the claim and supporting documents in the mail. I was impressed to receive an email from Trupanion acknowledging receipt of my claims; also explaining the next steps. I received an additional email about a week later, notifying me that Additional documentation had been requested from my vetrinarian. Within 30 days of my initial claim submission, I received payment in the mail. I am so grateful to have Trupanion's help in my time of need. It is a comfort to know that my pet Jasmine can receive the best medical care without the stress of financial hardship.

This was my first experience in filing a claim; as I never had insurance previously. The claim form is easy to complete; and because both the Pet E.R. and my vet were familiar with the process, my biggest responsibility was to put the claim and supporting documents in the mail. I was impressed to receive an email from Trupanion acknowledging receipt of my claims; also explaining the next steps. I received an additional email about a week later, notifying me that Additional documentation had been requested from my vetrinarian. Within 30 days of my initial claim submission, I received payment in the mail. I am so grateful to have Trupanion's help in my time of need. It is a comfort to know that my pet Jasmine can receive the best medical care without the stress of financial hardship.

Thank you so much for being so helpful. Never have I felt so confident in an insurance company. You do exactly what you say you will. You have made our experience so incredible and allow us to know that our dogs can recieve the health care they deserve

Thank you so much for being so helpful. Never have I felt so confident in an insurance company. You do exactly what you say you will. You have made our experience so incredible and allow us to know that our dogs can recieve the health care they deserve