Im with Pet Plan too. Loss of use, due to having a TB gelding. Dont have vet bills coverage, but again its more about what do you do with a young TB gelding thats done a joint or permenant injury to make them unrideable. Not like you can chuck them in the paddock to be a broodie.
I did check with them, that if it was a case of the horse being in too much pain, but still being able to live, that I wouldnt have to delay PTS if vet recommended it for quality of life issues. I didnt want to wait on red tape from them to do the right thing by my horse and still be financially recompensated.
Touch wood, my boy has had no injuries or illness in the 3 years Ive had him, so Im happy on that front.
On the admistration side of Pet Plan, it sucks. They need to get more people in the equine department and stop burning out the single one that have in there so they resign. I have had issues with direct debits caused by their system stuff ups. Like reverting to trying to take premiums our of an account 6 months after the account number was changed and there was no issue with taking money out of the new account for 6 months, their system had a hiccup and reverted it to previous account. Luckily previous account was still open and had money in it.