I called Healthy Paws to get some more information and just wanted to pass along some more information. If your dog is less than six years old, it's okay to just send in the results of his/her latest annual exam AS LONG AS it was taken within the last 12 months before you signed up.
Yes, the policy documents allow this but IMHO it's not a smart thing to do. Vagueness in the record tends to help any insurer, not you. This is true of ANY insurance -- life insurance and disability insurance too!
At that annual, your vet didn't know he needed to make a record for pet insurance. He may or may not have made comprehensive notes about everything checked -- including an ortho exam which is not part of most annual exams for healthy dogs! What I did was different: it was an "extra" exam at my cost, with ortho, for the purpose of creating a comprehensive, accurate
record that would foreclose any arguments about pre-existing conditions. I explained this to the vet, and he prepared the record truthfully, with the insurance company in mind (not just a quick internal record for the clinic's use). He was happy to do it, and glad I explained the purpose of it all so that he could ensure the record would accomplish would I wanted it to.