It may have been a bit intimidating to go thru the motions at first. But, I just have pre-printed forms ready~should I need to go to the vet. The vets are well aware of filling them, quick & easy! The communications back and forth re: claims is a piece of cake. Always easy to understand and I've even called in with questions, only to be pleasantly surprised! So nice to not have to worry about the high costs of vet bills.