Hi Ryan, I really wouldn't lie about his diagnosis. The insurance company will check up on your cat's records if you make a claim, so it won't get you anywhere. At some point, the new vet would listen to your cat's heart. If you end up with a conviction for insurance fraud, it would become difficult for you to buy any kind of insurance product, and this kind of white-collar crime would also look particularly bad on job applications.

You can still get pet insurance. Anything heart-related would be excluded, but it would still cover other illnesses, or accidents.

Has the vet given you any information about your cat's heart murmur? Is it serious enough to need any further investigation? Many cats will have a low-grade heart murmur at the vets, caused by stress, but it will have no health implications for them.

 

Lots of cats have heart murmurs which doesn't require medication and many live to a ripe old age, my friend's cat has had one the vet thinks since he was born and he's now nearly 20 years old. Young cats sometimes grow out of heart murmurs. As @TallulahCat asks, do you know how serious it is? You can't lie to the insurance company as they will always ask for your cat's history from your vet so you can't keep anything from them. Although any insurance will not cover this now as it will be seen as a pre-existing condition, I would strongly advise you to take out insurance for other things as its inevitable he will require some vet treatment during his lifetime and you would honestly be glad you have insurance back up.