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So sorry to hear this. I hope you get it sorted. I've only ever insured with pet plan, as the cat charities give out 6 weeks free insurance and I continued it.
And your post a while back about the cat flap was really useful. Wish we had rep again so I could thank people for useful posts without have to do it in the thread.
Just made a complaint to the Finacial Ombudsman... bypassing all the JL complaint non sense, after 1 last conversation with JL that makes very interesting recording, particularly when they put me on hold but forgot to turn the music on...
FYI, if anyone's pets have pre existing conditons, PetPlan would accept some of them with a 2 years exclusion from the illness was last seen / treated.