I signed up with the understanding that they would look into my cat's declared medical history (one infection) and inform me of possible exclusions.
I received the insurance documents simply with the info that any previous conditions where excluded.
When I called to say that I didn't expect infections to be excluded and that I had signed up with the understanding that they would contact me to clarify previous history, they just stood by it.
So to summarise: they'll say that they will decide after signing up if your cat's specific history is excluded or not but they actually exclude it but default, and they don't mind excluding non recurring issues.
The person on the phone even repeated that I would not find any other insurance, we'll see.