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It sounds just like the insurance setup here prior to the ACA - no pre-existing conditions covered. Supplementary insurance in Canada, now they've de-listed so many services, works that way too. Very frustrating because, as you say, it removes the market. Sorry to hear that you're going through all this with Carrot. It's great you're pursuing the fact that it's primary therapy - who knows, maybe they'll change coverage sooner than you think. Especially (being cynical) if it's less expensive than medications.
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The greatness of a nation and its moral progress can be judged by the way its animals are treated. - Ghandi 
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