Couldn't be simpler. I would recommend healthy paws to anyone who has pets. I have been in the position where my pet was very ill and we had no insurance. Never again! This last time my dog Flash was ill we were able to focus 100% on his care and not worry at all about the cost. I can't say enough good things about this company and the simplicity. Love the app. Love the customer service. Love the simplicity. Love that they actually care about your pets.