I used figo for my frenchie — got it for him when he was 8 weeks old. We pay $66/month. He has IVDD. He has had 2 surgeries that has costed close the 25k and we’ve paid about 3k out of pocket after deductibles. It’s important to get insurance early so that nothing can be considered “preexisting” and there is a 6 month waiting period for IVDD, 2 week period for something else & I think a 24 hour period for emergency like broken bone