My cat had to get 2 ultrasounds and multiple treatments for stomach issue. Seven claims in one year totaling $2,009.I did have to pay the vet fees upfront and then was reimbursed. Have MAJOR MEDICAL for all of my pets and the claim process was super easy. Was refunded amounts in 30 days. Only paid the $100 deductible overall. Just wrote this review out of gratitude since I was so skeptical at first. Insurance companies are notorious for fine print.