Whenever I have bought a puppy I have had some comfort in the fact that the first 5 weeks they are covered by the KC free insurance. I have never bothered to take out my own insurance policy until they are 3/4 weeks of age. I have never had an ill puppy luckily until my latest one. She got a UTI in the 3rd/4th week of the free cover. I have 4 dogs so buying the KC insurance isn't an option as it's too expensive.
The new insurance won't cover the treatment as it's classed as pre-existing and the KC insurance have emailed me today to say they will only pay the first vet treatment less the excess so I'm getting £26.05! If I buy another puppy in the future and I get handed a letter saying I'm getting 5 weeks free cover I'll tear it up and throw it in the bin and simply buy insurance straight away from a decent company.