I moved Dallas from the KC to More Than to M&S
When we moved to M&S they excluded lip fold problems as I had bought Hibiscrub for work and put notes on his file to the effect of "routine cleaning of lip folds"
However, they lifted this exclusion at this years renewal - no idea why, it just wasn't listed anymore. So I took him in and had the op done
Vegas has food intolerances so they excluded that (fair enough but it is controlled by diet so no vet treatment needed) but they didn't exclude a leg injury he had when he was younger
I don't know how they decide what to exclude and what not to exclude but its worth giving it a go. You can cancel the policy within a certain number of days if you are not happy with it.
I didn't activate Aspens KC insurance either - just put him right onto M&S