Just phoned PDSA and there cover isn't the same as Pet Plan and didin't give the benefits I need.
NFU was around the same cost as Pet Plan and if I made a choice between them I'd go with NFU as my horses are insured by them and they are a brilliant hassle free insurers.
Now I am gonna phone up Health Pets and see what they say, their monthly premium is £10 cheaper but cheap doesn't alway mean good.
I don't want an insurance company like E&L that insure horses, I've heard that they try to wrangle out of everything and take ages to settle claims after continuous disagreements.
So see what they say, in the meantime I am logged on still so will look to see if anyone has any experience still of Healthy Pets.