Very simple claim form. They also have claims express which is where they pay your vet directlyand that's right you just have a co-pay. I love my dog with all of my heart but I will not go broke or into debt for expensive medical bills. They also cover alternative treatments and I can consult with any veterinarian in the United States, Puerto Rico and Canada. Trupanion takes the financial worries away to allow me to make my own decisions for My dog's treatments.