I have found Healthy paws to be extremely simple to use and prompt to address all questions or concerns. The claim process is very simple. I use their app on my phone. Initially your vet will need to provide basic inform to Healthy pays, but afterwards, the claim is as simple as taking a picture of the bill and sending it using the app. When I discovered a reimbursement check was missing, Healthy Paws quickly provided another one. I have been very happy with the simplicity of submitting a claim and their quick responses to issues.