Lauren, if PetCare has all your records, it seems likely that you will have at least a temporary exclusion for heart things, probably a permanent one. You should fairly soon get a copy of your policy in the mail which shows what is excluded and whether temporary or permanent. I would do what Karlin suggested. First, wait til your policy comes and see what is excluded. If there's any heart exclusion, call them and tell them what happened and ask what they need in order to have the exclusion removed, since the Board certified expert gave a clean bill of health. If you get a letter from your cardiologist and they still don't remove the exclusion, contact the underwriting manager to ask for help in getting the exclusion removed. I got to that point with them and she quickly took care of it properly. Let me know if you need her contact info. You can also have your cardiologist call them before writing a letter to ask them what they need from him/her. in my case the expert was a radiologist and she offered to call them, and she did write what they told her, and they changed it from a permanent to a temporary heart exclusion, but that was still unjustified so that's when i contacted the underwriting manager to make a complaint and ask for her help. I was actually about to file a complaint with the state insurance commission, and i let her know that in my letter. When you do that, the state gets involved and intervenes to try to help you arrive at a solution with the insurance company, but it wasn't necessary, she was very nice and acted immediately after getting my letter.
if you don't get a copy of your policy in the mail, you can call and ask them if you have any exclusions and go from there if they say yes. But they should always send you a copy any time there's any change.