All the vets love PetPlan, the coverage is good, but you pay heftily for that. We use GreenBee for our dog, aka John Lewis. Very similar level of cover for a much lower premium. It’s underwritten by AXA, who are usually very good.
In any case, as with car insurance, premiums seem to differ massively depending on your area too. Don’t really understand that with pets, cars yes, pets, not so much. 😕