We have two kittens and chose a middle-level deductible accompanying the major medical plan. A couple of weeks ago one of our kittens was poisoned by a flea treatment and had to visit the ED at 7PM on a Saturday. Expensive to say the least, but luckily he's doing just fine now, and the process for submitting a claim was so easy! They covered everything I expected, and followed up to check in on our kitten. Really excellent service.