Definitely HP! I was a PP customer, and I changed ALL my dogs over to HP, even the one with some pre-existing arthritis (b/c I'd rather have that excluded than deal with Pet Plan -- my experience with them wasn't good).
PP changed underwriters about a year or two ago. IGNORE all reviews that predate that change -- it's a totally different experience with the new underwriter.
PP jacked our rates up by more than 20% every year. Their business model seemed like it was to give a low first-year rate to reel customers in, then increase it quickly. Then when the new underwriter took over, the policy cost would have more than doubled for far worse coverage. One recent review I saw suggested they may even be shifting to usual-and-customary reimbursements -- which is totally unacceptable in any policy (that clause allows them to pay a small fraction of the actual bill based on some arbitrary fee scale that is far below what any vet would charge for that procedure).
By contrast, HP has been great so far. They paid a $2,000 major tooth injury claim (requiring surgery by vet dentist) without a hitch. They're also covering Adequan for hips on one of my dogs that was enrolled before hips could be an exclusion. They pay whether my vet clinic gives the shot or we order the vials of meds through an online pharmacy. The online claim process is very easy. I get a check about 2-3 weeks after submitting it, or closer to 2 weeks if I opt for direct deposit. They also have good, knowledgeable, helpful staff on the phone for questions, and they even called me a few weeks after my major claim to check in and see how my dog was doing -- VERY nice touch as marketing goes.
Make sure you understand HP's reimbursement formula, so you aren't mad the first time you submit a claim: office visit fees aren't covered (but meds, diagnostics, surgeries, therapies, and everything else would be).
If you need an HP discount code, send me a PM -- we have one for rescue "friends & family" that we're allowed to give out that translates to a 10% discount for life, and a small donation to breed rescue for each new policy. It's a referral code, so I don't think I can post it, but I can PM it.
Last edited by Magwart; 02-26-2018 at 11:09 AM.