Some of us in Europe use APPN (the one used by all Air France pilots).
PNT Contracts Better if you joined the scheme relatively young, but not bad even if you're a bit older.
They partially refund the premiums almost every year, depending on the number of lost licences.
Otherwise, there is the one from CX, in rightchoice.
Covers half of your salary until retirement, but excessively expensive.