I've had PetFirst for years now and they've simplified their forms and how you submit claims a number of times. It is very easy and fast on line, but you can still submit via email and via postal service if you prefer. My current kitty is a senior, but over the years has needed many teeth extracted because of painful resorbing teeth. He has also had the radiokat treatment for hyperthyroidism and has had other issues requiring veterinarian care. PetFirst has approved all these treatments and visits without hassle. I got policies with PetFirst after I looked on line at other plans including one from my former employer that was supposed to include a discount. PetFirst worked out better, and I'm so glad I have had my kitties insured through them.