the process was simple and quick, but doesn't say up front that there is a higher cost for the 1st month (until you get to the billing page), or discuss the requirement for a recent physical exam (within 6 months). It would be helpful to know these facts initially so that you don't pay for the insurance and then find out you're in for scheduling vet visits for everyone and paying for that out of pocket before the policy can be active! (we take our pets to the vet once yearly, and they are coming up on their next visit, so the hope was the insurance would be in place to cover that wellness visit, but now it has to come out of pocket for the policy to begin)