I sent the vet form and got response saying it was incomplete listing items like vet info, my info, dogs name, itemized list. I sent again with abpapervlisting exactly where on form that info could be found ( upper right, upper left, lower Hallf, paid for underpayment), I felt like I was dealing with a third grader. Got email saying received then next day email saying incomplete so I sent it by mail. Got email saying received but incomplete,,,this for about 4 days. Finally done. Do I go thru this every time now? Why was it so hard to see the info? Why did I have to respond so many times? Why was I treated like an idiot not putting my name on it? It was ridiculous and I've had this insurance for years using it rarely. This did not inspire confidence in petsbest so maybe I should look for a replacement. I offered my phone and that of vet but got the constant " incomplete" emails. Really uninspiring.