Petfirst's actual insurance coverage is great. They cover a lot of things some others wouldn't. Transferring coverage from Nationwide to Petfirst was easy also. The only issues I have with them is the actual processing time, usually apprx. 2 weeks, then another 2 weeks to receive a check. It would be great if they had other refund options as to how to receive your refund. As of this time they will only send you a check. Nationwide has a few options, one being a direct deposit, which is extremely helpful.