In addition to the above - surely insurance exclusions etc refers to pre-existing conditions and no such condition has been recorded. For example, If my pulse is racing, it could be because I am nervous, or excited, have been exercising, have been drinking, smoking or have a problem with heart or blood pressure - therefore further tests would be warranted to show the cause and rule out any abnormality. In your case, The vet did some exploratory tests and found all to be in order so surely this rules out any abnormality? It all seems very unjust to me although I must stress that I have no experience at all of these issues