Took out insurance on a Cocker pup with M&S 2016. Renewed October 2017 for 3/11/17 start. Dog had stomach upset and taken to the vet 2/11/17 and subsequent visits and treatment. Total cost £738. M&S refused to pay up as within 14 days cooling off period of renewal. Very angry and will never use again. Sent to Ombudsman.