My cat was in a fight. Left rear leg was swollen. Went to the vet and took some x-rays. No breaks just a reaction to a bite or scratch. Vet gave her an Anti-biotic injection. Total cost 366. My policy calls for a $50 deductable and they pay the rest. I paid the $366, faxed in all the info to them and in less than 2 weeks got a check for $316. Fantastic!