Minor correction, as I have investigated their plan too. Not knocking [Pre-paid legal service] at all, but not all legal fees are covered. According to their web site, "expenses associated with investigators, expert witness, witnesses, or other persons necessary to assist in the defense of the case, bail bonds, deposition fees, or other court or governmental imposed fees" are not covered and are to be paid by the client. Still, the bulk of your expenses should be covered. I'm sure this is true of most/all attorneys.
Thank you good sir!