I just submitted my first claim and I sent all the paperwork from my vet. But they require an actual claim form with the same information that was on the vet records. I tried to upload the claim form to the existing claim but there wasn't a button for "existing claim". By the time they got back to me it was passed 10 days and I had to start a whole new claim. Besides the annoying process to file a claim, I think they send your claim money quick and they do cover everything that's not pre existing.