I recommend Healthy Paws for its ease of use. I was able to take a picture of our emergency hospital bill and submit it through their downloadable app. We got our check within a week of submitting our claim and the process was much easier than I had imagined. The premium is reasonable and gave us financial piece of mind when making important decisions to give our puppy the care he needed. I did so much research on various pet insurance and am thankful I moved forward with Healthy Paws!