We've had an outstanding experience with Healthy Paws so far, covering our almost 2-year-old golden retriever. Like a typical golden puppy, he's had issues eating things he shouldn't, with a few visits to the emergency room as a result -- and Healthy Paws has been incredibly easy to work with.
With the Healthy Paws app on my phone, submitting a claim is as easy as taking a photo of the vet bill. That's it. Consistently we've received confirmation of the handling of the claim within a few days, with the check arriving a few days after that. We've never had a hassle. Strongly recommended.