Figo Pet Insurance Reviews

Figo Pet Insurance Reviews

Figo pet insurance reviews- figo offers comprehensive pet insurance coverage with customizable plans to suit different budgets and needs. Their policies provide protection for accidents, illnesses, and preventative care, and their claims process is efficient and user-friendly.

As a pet owner, finding the right insurance plan for your furry friend can be a daunting task. You want to ensure that they receive the best possible care without breaking the bank. This is where figo pet insurance comes in.

Figo is a reputable provider that offers a range of comprehensive pet insurance plans designed to give you peace of mind. Whether you have a dog or a cat, figo has customizable options to suit your needs and budget. With their coverage, you can protect your pet against accidents, illnesses, and even routine check-ups. Plus, their claims process is straightforward and efficient, making it easy for you to get reimbursed quickly. We will explore figo pet insurance reviews to help you make an informed decision about your pet’s coverage.

Table of Contents

Understanding Pet Insurance Coverage

Pet insurance is a valuable tool that can help offset the financial burden of unexpected veterinary expenses. Understanding the different types of coverage available is essential when choosing the right insurance plan for your furry friend. Here, we will explore the key factors to consider when selecting pet insurance and examine the different coverage options available, including how figo’s coverage stacks up against other providers.

Key Factors To Consider When Choosing Pet Insurance

When choosing a pet insurance plan, it’s important to consider the following factors:

  • Coverage options: Evaluate the extent of coverage offered by the insurance provider.
  • Premiums and deductibles: Compare premium rates and deductibles to find a plan that fits your budget.
  • Claim process: Look for a provider with a smooth and efficient claims process to minimize hassle.
  • Waiting periods: Be aware of any waiting periods before coverage begins for certain conditions.
  • Included services: Check if the plan covers routine exams, vaccinations, or other preventative care.
  • Coverage limits: Understand any maximum payout limits or per-incident limits imposed by the insurer.
  • Customer reviews: Research and read reviews to gauge the overall customer satisfaction with the provider.
  • Exclusions: Familiarize yourself with the specific exclusions or limitations outlined in the policy.
  • Network of veterinarians: Ensure the plan allows you to choose from a wide network of trusted veterinarians.
  • Add-on options: Explore additional coverage options such as wellness plans or prescription drug coverage.

Examining Different Types Of Coverage Available

Pet insurance plans typically offer different types of coverage to meet varying needs. Here are the common types of coverage to consider:

  • Accident-only coverage: These plans generally cover expenses related to accidents, such as injuries from car accidents or fractures.
  • Illness coverage: This type of coverage includes treatment costs for illnesses like infections, allergies, or digestive issues.
  • Hereditary and congenital conditions: Certain plans cover hereditary and congenital conditions that your pet may develop.
  • Chronic conditions: Some policies offer coverage for chronic conditions, such as diabetes or arthritis, that require ongoing treatment.
  • Wellness coverage: Wellness plans cover routine care, including vaccinations, flea control, and annual exams.
  • Cancer coverage: Cancer treatment can be costly, so it’s worth considering a plan that covers cancer-related expenses.
  • Alternative therapies: If you prefer alternative therapies like acupuncture or chiropractic care, look for a plan that offers coverage for these treatments.

How Figo’S Coverage Options Compare To Other Providers

Figo stands out among other pet insurance providers with its comprehensive coverage options. Here’s how figo’s coverage compares:

  • Figo offers a range of coverage: Figo provides accident and illness coverage, along with additional options for preventive care.
  • No upper age limit: Figo does not impose an upper age limit for enrollment, making it a viable option for older pets.
  • Direct vet payment: Figo offers direct vet payment, allowing you to skip the hassle of reimbursement claims.
  • Coverage for hereditary and chronic conditions: Figo covers hereditary and chronic conditions, ensuring your pet is protected.
  • 24/7 vet access: Figo provides 24/7 vet access through its pet cloud app, offering guidance and support anytime.
  • Easy claims process: Figo’s claims process is simple and straightforward, helping to expedite reimbursement.

Understanding pet insurance coverage is crucial for making an informed decision. Consider key factors and compare coverage options before choosing a pet insurance plan. Figo’s comprehensive coverage, including its various options and additional perks, makes it a reputable choice among pet owners.

Figo Pet Insurance Plans

Comprehensive Review Of Figo’S Different Insurance Plans

Figo pet insurance offers several insurance plans to cater to the diverse needs of pet owners. Whether you have a dog or a cat, figo has you covered. Here’s a comprehensive review of figo’s different insurance plans:

  • Essential plan:
  • Deductible: Ranges from $100 to $500.
  • Reimbursement: 70% coverage for eligible expenses.
  • Maximum payout: $5,000 per policy year.
  • Preferred plan:
  • Deductible: Ranges from $100 to $500.
  • Reimbursement: 80% coverage for eligible expenses.
  • Maximum payout: $10,000 per policy year.
  • Ultimate plan:
  • Deductible: Ranges from $100 to $500.
  • Reimbursement: 90% coverage for eligible expenses.
  • Maximum payout: $14,000 per policy year.

Coverage Details, Including Deductibles, Reimbursement Levels, And Maximum Payouts

When considering figo pet insurance, it’s important to understand the coverage details for each plan. Here’s a breakdown of the deductibles, reimbursement levels, and maximum payouts of figo’s insurance plans:

  • Essential plan:
  • Deductible: Between $100 and $500, depending on your preference.
  • Reimbursement: Figo provides 70% coverage for eligible expenses.
  • Maximum payout: Up to $5,000 per policy year for covered expenses.
  • Preferred plan:
  • Deductible: You can choose a deductible ranging from $100 to $500.
  • Reimbursement: Figo offers 80% coverage for eligible expenses.
  • Maximum payout: Enjoy up to $10,000 per policy year for covered expenses.
  • Ultimate plan:
  • Deductible: Select a deductible between $100 and $500 to fit your needs.
  • Reimbursement: Figo provides an impressive 90% coverage for eligible expenses.
  • Maximum payout: Benefit from a generous $14,000 per policy year for covered expenses.

Pros And Cons Of Each Figo Plan

Before making a decision about the right pet insurance plan for your furry friend, it’s essential to consider the pros and cons of each figo plan. Here’s an overview:

  • Essential plan:


  • Affordable monthly premiums.
  • Coverage for accidents, illnesses, surgeries, and more.
  • Access to figo’s mobile app for easy claims submission and pet care information.


  • Lower reimbursement level (70%).
  • Maximum payout limit of $5,000 per policy year.
  • Preferred plan:


  • Higher reimbursement level (80%).
  • Comprehensive coverage for a wide range of conditions.
  • Added benefits like lost pet notification and access to a live vet chat feature.


  • Slightly higher monthly premiums compared to the essential plan.
  • Maximum payout limit of $10,000 per policy year.
  • Ultimate plan:


  • Excellent reimbursement level (90%).
  • Extensive coverage, including alternative therapies and behavioral treatments.
  • Option for higher maximum payout per policy year ($14,000).


  • Higher monthly premiums compared to the other plans.
  • Free trial of the pet cloud service only available for the first year.

By carefully evaluating the features and options offered by figo pet insurance plans, you can choose the one that best suits your pet’s needs and your budget. Remember to review the terms and conditions of each plan before making a decision.

Customer Reviews And Satisfaction

Analyzing Customer Feedback And Reviews Of Figo’S Pet Insurance

Figo pet insurance has garnered a considerable amount of attention in the pet insurance market. To gain a better understanding of the customer experience, let’s dive into what customers have to say about figo’s pet insurance.

  • Positive customer feedback highlights the following key points:
  • Comprehensive coverage options: Figo offers a range of insurance plans that cater to different needs, ensuring that customers have ample choices to protect their furry friends.
  • Hassle-free claims process: Customers appreciate figo’s streamlined claims process, which allows for quick and easy reimbursement.
  • Responsive customer service: Figo’s customer service team is praised for their prompt and helpful assistance, ensuring that customer queries are addressed satisfactorily.
  • Some negative reviews bring up the following concerns:
  • Limited coverage for pre-existing conditions: Figo’s policy may not cover pre-existing conditions, leading to frustrations for some customers with pets that have pre-existing health issues.
  • Fee increase after the first year: A few customers noted that figo’s premiums increased significantly after the initial year, resulting in higher costs for continued coverage.

Real-Life Experiences With Figo’S Claims Process And Customer Service

When it comes to the claims process and customer service, actual customer experiences provide valuable insights into figo pet insurance’s performance:

  • Smooth claims process:
  • Customers commend figo’s claims process, emphasizing the ease of submitting claims online.
  • Direct deposit reimbursement option allows for quick and convenient claims handling.
  • Timely response and efficient processing of claims contribute to overall customer satisfaction.
  • Responsive customer service:
  • Numerous positive reviews highlight figo’s friendly and knowledgeable representatives who go above and beyond to assist customers with their pet insurance needs.
  • Customers appreciate the availability of customer service representatives via phone, email, and live chat.
  • Figo’s commitment to addressing customer inquiries promptly and effectively helps build trust and satisfaction among policyholders.

Comparing Figo’S Customer Satisfaction Ratings To Competitors

When examining customer satisfaction ratings, figo pet insurance stands out from its competitors in several ways:

  • High customer satisfaction:
  • Figo consistently receives positive reviews, with customers expressing high levels of satisfaction with their pet insurance experience.
  • The company’s commitment to customer-centric services has earned them a loyal customer base.
  • Competitive pricing:
  • Figo offers affordable coverage options compared to other pet insurance providers.
  • Their commitment to delivering value for money is reflected in the positive feedback from customers who appreciate the balance between cost and coverage.
  • Enhanced technology solutions:
  • Figo’s user-friendly mobile app allows customers to manage their policies, submit claims, and access important pet health information with ease.
  • The seamless integration of technology into their services showcases figo’s commitment to providing convenient and accessible pet insurance solutions for their customers.

Customer reviews and satisfaction play a crucial role in assessing the quality of pet insurance providers. Figo’s commitment to excellent customer service, smooth claims process, and competitive pricing has resulted in a positive reputation within the industry.

Figo’S Network Of Veterinarians

Exploring Figo’S Partnerships With Veterinarians And Clinics

Figo pet insurance understands the importance of a strong network of veterinarians and clinics in providing quality care for your furry friends. Let’s take a closer look at figo’s partnerships with veterinarians and clinics, the availability of in-network and out-of-network coverage, and the benefits of using figo’s network veterinarians.

Availability Of In-Network And Out-Of-Network Coverage

When it comes to choosing a pet insurance provider, having access to a wide network of in-network veterinarians and clinics can make all the difference. Figo pet insurance offers excellent coverage options for both in-network and out-of-network care:

  • In-network coverage:
  • Figo has a vast network of trusted veterinarians and clinics that have partnered with them. This means that when you visit an in-network veterinarian or clinic, you’ll have the convenience of submitting claims directly to figo without any hassle.
  • In-network coverage ensures that you’ll benefit from negotiated fees and potentially lower out-of-pocket expenses for your pet’s veterinary care.
  • Out-of-network coverage:
  • Figo understands that you might have a preferred veterinarian or clinic outside of their network. With figo pet insurance, you have the flexibility to choose any licensed veterinarian or clinic, even if they are not in figo’s network.
  • While out-of-network coverage allows you to receive the same comprehensive coverage, it’s important to note that the reimbursement process may differ. You’ll need to pay for the services upfront and then submit the claims to figo for reimbursement.

Benefits Of Using Figo’S Network Veterinarians

Choosing figo’s network veterinarians comes with several benefits that can enhance your overall pet insurance experience. Here are some advantages of utilizing figo’s network veterinarians:

  • Streamlined claims process:
  • By visiting an in-network veterinarian or clinic, you can simplify the claims process. These trusted partners have a direct billing system with figo, meaning that you won’t have to worry about gathering and submitting claims manually. It’s a seamless experience that saves you time and effort.
  • Cost savings:
  • Figo’s network veterinarians typically offer negotiated rates, meaning that the cost of certain services may be lower than standard rates.
  • Additionally, by visiting in-network veterinarians, you may have access to discounted preventive treatments, vaccinations, and wellness check-ups, helping you save money while keeping your pet healthy.
  • Continuity of care:
  • When you choose to rely on figo’s network of veterinarians and clinics, you can enjoy the benefits of continuity of care. These trusted professionals work closely with figo to ensure that your pet’s medical records are easily accessible and up-to-date.
  • This seamless communication between figo and their network veterinarians facilitates better coordination and personalized care for your beloved pet.

When it comes to your pet’s health, having reliable veterinarians and clinics by your side is essential. Figo pet insurance understands this importance and provides a strong network of trusted partners who are dedicated to providing top-notch care for your furry family members.

Claims Process And Reimbursement

Step-By-Step Guide To Filing A Claim With Figo

Filing a pet insurance claim can sometimes feel overwhelming, but with figo, the process is straightforward and user-friendly. Here’s a simple step-by-step guide to help you navigate through filing a claim:

  • Visit the figo website or download the figo app: Start by accessing the figo website or downloading their user-friendly app, available on both android and ios devices.
  • Log into your figo account: Sign in to your figo account using your registered email address and password. If you’re a new user, you can easily create a new account.
  • Find the claims section: Once you’re logged in, locate the claims section within your figo account. This section will provide you with all the necessary tools and resources for filing your claim.
  • Gather your pet’s medical records and invoices: Before proceeding with the claim process, make sure you have all relevant medical records, including invoices, receipts, and any other supporting documents. This will help streamline the process and ensure accurate reimbursement.
  • Initiate the claim: Fill out the claim form with relevant details such as your pet’s name, the visit date, and a brief summary of the reason for the visit. Attach all the necessary documents, making sure they are clear and legible.
  • Submit the claim: Once you’ve completed the form and attached all the required documents, simply submit your claim online or through the figo app.
  • Review and follow up: After submitting your claim, figo’s claims team will review the information provided and may contact you for any additional details. Stay informed and promptly respond to any requests to speed up the reimbursement process.
  • Reimbursement: If your claim is approved, figo will process your reimbursement. Depending on your policy and selected payment method, you can typically expect to receive your reimbursement within a few business days.

Understanding The Reimbursement Process And Timeline

Understanding how pet insurance reimbursements work can help you manage your expectations and financial planning. Here’s what you need to know about figo’s reimbursement process and timeline:

  • Reimbursement percentage: Figo offers flexible reimbursement options, allowing you to choose a reimbursement percentage that fits your needs. The reimbursement ranges from 70% to 100% of the covered vet fees, depending on your selected plan.
  • Deductible: Figo policies come with an annual deductible, which is the amount you’re responsible for paying out of pocket before the insurance coverage kicks in. Make sure you’re aware of your deductible amount, as it may affect your reimbursement.
  • Reimbursement timeline: Once your claim is approved, figo aims to process reimbursements within a few business days. However, the exact timeline may vary based on factors such as the volume of claims and any necessary verification.
  • Direct reimbursement to vets: Figo also offers the convenience of direct reimbursement to veterinarians who participate in their direct-pay network. This means your vet can receive payment directly from figo, saving you the hassle of paying upfront and waiting for reimbursement.
  • Electronic statements: Figo encourages pet owners to opt for electronic statements from their veterinarians. This simplifies the reimbursement process by allowing you to upload and submit statements directly through your figo account. It saves time and ensures faster processing.

Tips For Maximizing Reimbursement And Avoiding Common Pitfalls

To make the most of your figo pet insurance coverage and avoid any potential pitfalls, keep these tips in mind:

  • Keep detailed records: Maintain organized records of your pet’s medical history, including invoices, receipts, and any related paperwork. Accurate documentation will help ensure smooth claim processing and maximize your reimbursement.
  • Review your policy: Familiarize yourself with the terms and conditions of your figo policy. Be clear on what expenses are covered, any limitations or exclusions, and the reimbursement percentage associated with your chosen plan.
  • Pre-authorization: For planned procedures or treatments, consider requesting pre-authorization from figo. This will help clarify coverage details upfront and minimize any unexpected reimbursement issues.
  • Promptly file claims: Don’t procrastinate when it comes to filing claims. The sooner you file a claim, the faster figo can initiate the reimbursement process.
  • Understand your deductible: Stay informed about your policy’s deductible amount and ensure you meet it before expecting reimbursement. This will prevent any surprises and allow you to plan your finances accordingly.
  • Contact figo for assistance: If you have any questions or need assistance with filing a claim, don’t hesitate to reach out to figo’s dedicated customer support team. They are there to help you navigate the claims process and address any concerns you may have.

Pet insurance, such as figo, provides peace of mind knowing that your furry friend’s medical expenses are covered. By following the step-by-step claim filing process, understanding the reimbursement timeline, and implementing these tips, you can make the most of your figo pet insurance and ensure a hassle-free experience when it comes to claims and reimbursements.

Price And Value For Money

Pricing Structure And Cost Of Figo Pet Insurance

When it comes to choosing the right pet insurance, pricing is a key factor to consider. Figo offers a straightforward and transparent pricing structure that provides coverage for a variety of unforeseen circumstances. Here are some essential details about figo’s pricing:

  • Figo pet insurance offers different coverage plans, allowing you to choose the one that best suits your needs and budget. They offer three main plans: Essential, preferred, and ultimate.
  • The cost of figo pet insurance depends on several factors, including your pet’s age, breed, and location.
  • Figo offers flexible deductible options, ranging from $50 to $500 per year. A higher deductible can lower your monthly premium, but it also means you’ll have a higher out-of-pocket cost when making a claim.
  • Figo also provides the option for a reimbursement level of 70%, 80%, 90%, or 100% of the covered charges. Choosing a higher reimbursement level can increase your monthly premium but can also result in lower out-of-pocket expenses when filing a claim.
  • By customizing your coverage options, you can find a plan and pricing structure that aligns with your budget and provides the necessary coverage for your furry friend.

Evaluating The Value For Money Provided By Figo’S Coverage

While pricing is important, it’s equally crucial to evaluate the value for money provided by figo’s pet insurance coverage. Here are some key points to consider when assessing the value for money offered by figo:

  • Figo’s coverage includes a range of benefits, such as veterinary exam fees, diagnostics, surgeries, hospitalizations, medications, and even alternative therapies like acupuncture and chiropractic treatments.
  • Their policies cover not only unexpected accidents and injuries but also illnesses, hereditary conditions, and chronic diseases.
  • Figo allows you to visit any licensed veterinarian in the united states, which gives you the freedom to choose the best healthcare provider for your pet.
  • With figo’s coverage, you can have peace of mind knowing that major expenses such as surgeries or chronic illness treatments will be covered, helping to alleviate financial strain during difficult times.
  • Figo also offers a mobile app that allows you to easily manage your pet’s healthcare on the go, including submitting claims and accessing policy details.

Comparing Figo’S Pricing To Other Leading Pet Insurance Providers

To assess whether figo offers competitive pricing, it’s essential to compare their rates with other leading pet insurance providers. Here’s how figo stacks up against the competition:

  • Figo’s pricing is competitive when compared to other pet insurance providers with similar coverage options.
  • They offer comprehensive coverage at a reasonable cost, providing value for pet owners who want coverage tailored to their pet’s specific needs.
  • It’s important to note that pricing can vary depending on factors such as your pet’s age, breed, and location, so it’s recommended to get a personalized quote from figo to compare pricing accurately.

Remember, choosing the right pet insurance coverage involves considering both price and value for money. While figo offers competitive pricing and comprehensive coverage, it’s essential to evaluate your pet’s specific needs and compare quotes from different providers to make an informed decision.

Additional Benefits And Features

Exclusive Perks And Additional Benefits Offered By Figo

When it comes to pet insurance, figo stands out from the competition by offering a range of exclusive perks and additional benefits. Here are some key features that make figo a top choice for pet owners:

  • Multi-pet discount: If you have more than one furry friend, figo offers a multi-pet discount, making it more affordable to protect all your pets.
  • No age restrictions for enrollment: Unlike some other pet insurance providers, figo doesn’t impose age restrictions for enrollment. Whether you have a new puppy or a senior cat, you can get coverage for your pet.
  • Options for unlimited veterinary exam coverage: Figo provides the flexibility to choose unlimited veterinary exam coverage. This means that all your veterinary exam fees, including routine check-ups, are covered, giving you peace of mind when it comes to your pet’s health.
  • Complimentary lost pet services: Figo understands the distress of losing a pet and offers complimentary lost pet services. This includes help in finding your lost pet through the figo pet cloud and financial assistance for advertising and reward expenses.

Examining Figo’S Additional Features, Such As Lost Pet Services And Telemedicine

Figo goes above and beyond regular pet insurance coverage with additional features that add value to your policy. Here are some noteworthy elements:

  • Lost pet services: Figo’s lost pet services are a standout feature, offering a comprehensive approach to help reunite you with your beloved pet. Their pet cloud allows you to store essential information about your pet, such as medical records and identifying details, making it easier to track them down if they go missing. Additionally, figo provides financial assistance for advertising and reward expenses to help increase the chances of finding your lost pet.
  • Telemedicine services: Figo understands that accessing quality veterinary care can sometimes be challenging, especially in emergencies or outside of regular business hours. That’s why they offer telemedicine services, allowing you to connect with a licensed veterinarian via phone or video chat. This convenient feature offers peace of mind, as you can quickly get advice and guidance without having to leave your home.

How Figo Stands Out From Other Pet Insurance Providers

Figo sets itself apart from other pet insurance providers in several ways, bringing unique advantages to pet owners. Here’s why figo is a top contender:

  • Comprehensive coverage: Figo’s pet insurance policies offer extensive coverage, including protection for accidents, illnesses, and hereditary conditions. Their plans also include coverage for examinations, surgeries, hospital stays, and prescription medications, ensuring that your pet receives the care they need.
  • Easy claims process: Figo has a user-friendly mobile app that simplifies the claims process. You can easily submit claims, track their status, and even get reimbursed directly to your bank account. This streamlined process saves you time and ensures that you receive your reimbursement promptly.
  • 24/7 customer service: Figo prioritizes customer satisfaction by providing 24/7 customer service. Whether you have questions, need assistance with your policy, or want to file a claim, their dedicated team is available round-the-clock to support you.
  • Wellness coverage options: In addition to their comprehensive medical coverage, figo also offers optional wellness plans. These plans cover routine preventive care, such as vaccinations, flea prevention, and annual wellness exams, helping you keep your pet in optimum health.

Overall, figo stands out as a leading pet insurance provider, offering exclusive perks, additional features, and comprehensive coverage that benefits both you and your furry family member.

Frequently Asked Questions For Figo Pet Insurance Reviews

Can I Cancel My Figo Pet Insurance Policy?

Yes, you can cancel your figo pet insurance policy at any time. Simply contact their customer service team and they will guide you through the cancellation process. Keep in mind that you may be subject to certain fees or penalties depending on the terms of your policy.

What Does Figo Pet Insurance Cover?

Figo pet insurance covers a wide range of services including accidents, injuries, illnesses, surgeries, hospitalizations, and medications. They also provide coverage for diagnostic testing, hereditary and congenital conditions, and even alternative therapies like acupuncture and chiropractic treatments.

How Do I File A Claim With Figo Pet Insurance?

Filing a claim with figo pet insurance is simple and convenient. Start by downloading their mobile app or logging into your online account. From there, follow the step-by-step instructions to submit your claim. Make sure to provide all necessary documentation, such as vet records and invoices, for a smooth claims process.

Does Figo Pet Insurance Have A Waiting Period?

Yes, figo pet insurance has a waiting period of 14 days for illnesses. This means that any illnesses diagnosed within the first 14 days of your policy will not be covered. However, accidents are covered starting from day one, providing you with immediate peace of mind for unexpected injuries.

Are There Any Restrictions On Breed Or Age For Figo Pet Insurance?

No, figo pet insurance does not have any breed or age restrictions. Whether you have a young puppy or a senior dog, figo offers coverage for all pets. This inclusivity allows pet owners to find the right insurance plan for their furry companions, regardless of their breed or age.

Can I Use Any Veterinarian With Figo Pet Insurance?

Yes, with figo pet insurance, you have the freedom to choose any licensed veterinarian in the united states. This means you can continue to visit your current vet or find a new one that best suits your needs. Figo believes in giving pet owners the flexibility to make decisions that are in the best interest of their pets’ health.


Overall, figo pet insurance has proven to be a reliable and trusted option for pet owners looking to protect their four-legged companions. The extensive coverage options offered by figo ensure that pets receive the necessary medical care, no matter the circumstances.

With their innovative technology and user-friendly app, figo makes the process of managing claims and accessing veterinary services more convenient than ever. The transparency and flexibility displayed by figo in their policies demonstrate their commitment to meeting the needs of pet owners.

Furthermore, the positive customer reviews and high ratings speak to the satisfaction and peace of mind that figo pet insurance provides. So, whether you have a playful pup or a curious kitty, figo pet insurance is an excellent choice to ensure their health and well-being.

Trust figo to give you the support you need when it matters most. Protect your pet today!

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