I purchased two policies - one for each of my two spaniels. October 1, 2016 was my first payment. I ended this May 1, 2017.
It took the company 7 months to underwrite the policies and then they came back to me with exclusions that were totally ridiculous and false. All exclusions are followed with "and associated conditions". This could mean anything and everything.
This company isn't going to pay-out for anything. They will take your money but not care about your pet.