Your paranoia is doing more harm to your child than any potential future insurance company could. I'm amazed you haven't dug a bunker by hand for the day when The Man comes to take your children away from you.
Just buy the heart monitor and allow the school to cover their butts against lawsuits for 12 and 13 year old kids keeling over from heart attacks caused by undiagnosed cardiac issues.
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Your paranoia is doing more harm to your child than any potential future insurance company could. I'm amazed you haven't dug a bunker by hand for the day when The Man comes to take your children away from you.
Just buy the heart monitor and allow the school to cover their butts against lawsuits for 12 and 13 year old kids keeling over from heart attacks caused by undiagnosed cardiac issues.