I love working with PetFirst. I find them to be an excellent pet insurance company. Submitting claims is simple -- I email the claims in and within ten days I have a reimbursement check for services that are covered. The only things not covered are pre-existing conditions. I have an eight year old mixed breed dog that I adopted from the humane society. She had arthritis when I got her which was documented in the adoption paperwork. All the other things that have come up for her health wise have been covered.