In the realm of pet ownership, the debate over the necessity of pet insurance remains a hot topic. It’s a financial safeguard many opt into with a mix of hope and hesitation—hoping it's never needed yet hesitating over the monthly expense. Figo policyholder Brandy H.’s experience with her dog, Raiden, sheds light on this debate - and don't worry, it has a happy ending.

Initial skepticism

Back in 2020, Brandy took the plunge with Figo Insurance for Raiden, her admittedly "high dollar dog." After conversations with Figo experts, Brandy selected a plan that seemed a fit for Raiden but remained unused for quite some time. "For almost 2 years, we barely made our deductible."

With minimal claims filed, Brandy found herself questioning the necessity of her monthly investment. "I felt like I was wasting my money each month," Brandy shares, capturing the initial skepticism many feel about their pet insurance investment.

Facing the unexpected

However, the tides turned in 2022 when Raiden was diagnosed with discospondylitis—an infection in the spine that marked the beginning of a long journey. The situation escalated when Raiden was referred to Auburn University's training hospital, facing treatments that soared in cost. Brandy found herself grappling with the harsh reality of potentially unaffordable care. At the time, it seemed that financial euthanasia may become an unavoidable reality.

A timely turnaround

The heartbreaking decision to euthanize Raiden loomed until a glimmer of hope arrived in Brandy's inbox—a confirmation of reimbursement from Figo that covered all but about $700 of the thousands of dollars in medical expenses.

This unexpected news sparked a whirlwind of emotions and phone calls, a lifeline for Brandy and Raiden. Encouraged by Figo's support, Brandy chose to proceed with treatment. "Literally music to my ears," she recalls the moment she realized continued care was possible.

The road to recovery

The subsequent months saw Raiden undergoing extensive treatment, with Figo standing by Brandy's side every step of the way. The journey was full of ups and downs and many uncertainties, but the reassurance of coverage provided hope in the darkest times. "Without Figo, my dog would not be alive today."

This turnaround not only allowed Raiden to receive the necessary treatment but also transformed Brandy into an advocate for pet insurance. Brandy’s story is a real reminder of the less glamorous - sometimes heartbreaking - reality of pet parenthood and the safety net that pet insurance can provide.

Beyond Raiden's story

Moved by her experience, Brandy has since added her two other dogs to her Figo account. Her story is a powerful reminder that while the value of pet insurance might not always be apparent, its importance is undeniable in moments of crisis. "It's worth it...it definitely makes a world of difference," she reflects.

The bottom line

Pet insurance isn't just about policies and claims; it's about helping to provide a lifeline when the unexpected strikes. While costs are rising all around us and families are struggling to meet basic needs, it can feel nearly impossible to justify another monthly expense.

Life with pets is an adventure. Sometimes, it's a confusing, heartbreaking mess. Raiden's story and so many others help keep the bigger picture in mind. We hope that you never have to use your policy - in fact, that would be the best-case scenario! But when the unexpected strikes, those monthly payments may be the difference between facing an irreversible decision and affording necessary treatment.

In the vast landscape of pet care, where the lives of our soulful sidekicks hang in the balance, making the choice to invest in pet insurance can be the decision that changes everything.

To explore how Figo can become part of your pet's journey, build your custom quote today.

Lizz Caputo is the Manager of Content Strategy at Figo, animal enthusiast, and owner of a rescued senior American Bully. Her hobbies include checking out new restaurants in her area, boxing, and petting dogs of all shapes and sizes.