Costco Figo pet insurance

It appears cheaper than most other quotes but I am wondering if this is for a reason (besides Costco 15% discount) like they are stricter with coverage or something like that. I am seeing several negative Reddit comments but nothing super positive. Likewise I see a lot of positive for Lemonade, Spot, etc. but also some negative (less so than Figo), as with anything that is being reviewed online. I am getting a puppy at 12 weeks. Thanks!

submitted by /u/r1905
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