I have no reason to defend PetPlan, nor any insurance company, for that matter. I am just relating MY experiences to the OP, as were you. I am not a lover of insurance companies in general, but I don't attack them for their profit motive. We all know they are all about money, but on the other hand, aren't we as policyholders also? When we buy a policy, we are doing so to avoid medical costs. All we can expect is that they honor the agreement we make.
One concern I did have when searching for a carrier was the difficulty of actually seeing the written language of a policy before signing. But I found that to be true with them all.
Regarding the coverage, or lack thereof, for "working dogs", here is a cut & paste of the only language in my policy that addresses anything close. This comes from the list of general exclusions:
ff. Costs for
iii. Commercial guarding.
iv. Organized fighting.
v. Any other occupational, professional or business uses of
Before taking the policy, I called and asked specifically about field trials, field training or hunting and was told that is NOT excluded and that they cover those things all the time. Others have also stated they have made claims for ACLs and other injuries and they have been covered as well. There is, stated in the policy elsewhere, a six-month waiting period on a second ACL injury after a first one has been claimed, but there is no mention of the injury resulting from "working" or otherwise.
BTW, I called this morning to get clarification on my situation (policy expiring soon on a dog currently undergoing treatment for lymphoma, and would it be considered "pre-existing" after renewal). I was told when the new policy period takes effect, I will be required to pay the annual $200 deductible amount again but coverage will continue as in the past. NOT considered excluded because "pre-existing".