Just been thinking....

I have been insuring some of my dogs with the KC's own health insurance....I health test my dogs ( like many forum members) the results of which are held on their database with more tests to come on stream.

All policies are subject to 'disclosure' so now any conditions for which you've screened and are not perfect may be the subject of some scrutiny.....do you think they will be classed as 'pre-existing' conditions?
If a small heart murmur ( asymptomatic) for example, is picked up in one of my older dogs, do you think they will check the database and hike up the premiums?

I know they access it because they use the KC reg of the dog and its KC reg name.