I got the Major Medical Coverage after my few month old kitty broke his paw. Now a couple years later I have two cats (a two year old and a 6 month old). I made sure to have insurance for both of them just in case anything happens. I have submitted a claim every time I went to the vet for any reason. They respond with a friendliness and thorough explanation if it is not covered. So make sure to read what is included and what is not! All and all I am greatful for Nationwide Pet Insurance and will continue using them for my kitties!! :) ***I've been compensated by Nationwide for my HONEST review***