One of our female cats had an emergency surgery due a pyometra. Since the first moment, the process had been easy. We have the "Healthy Paws app" just took a bill's picture with our phone, click in "send claim' and... DONE! Was amazing! Later, they emailed us, we check everything and in less than 2 weeks, we had the refund in our mailbox :)
We have 4 cats and we totally recommended Healthy Paws insurance for every family who are looking for an insurance company.