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[quote=Anonymous][quote=Anonymous]I consider it a "luxury" purchase for our pets. Technically in a majority of cases, if you just put aside the premium, you'll have more than enough money when they need expensive care. And... you don't know if you will be an outlier. For me, the peace of mind to know I don't have to weigh if a pet is "worth" a $10K surgery, and can make the decision only on quality of life for the pet, is a really nice luxury I can buy myself, even if it means I end up spending more than I would have if I'd self-insured.

I looked into all of them and had it narrowed down to Healthy Paws and FIGO. I also got experiences from my vet (who doesn't promote one brand), and my financial advisor asked their network of other financial advisors. I ended up going with FIGO and am very happy. My financial advisor decided to buy it too after she helped me research it, if that tells you anything. She agreed it wasn't necessary on a strictly numbers sense, but that buying peace of mind has value for some people. [/quote]

Why did you choose FIGO? I'm looking and healthy paws appears to cover hip dysplasia as long as they have been insured for at least a year and it isn't pre-existing before coverage.[/quote]

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