The Cambridge veterinary BOAS resource explains that some affected dogs show problems during exercise or sleep even when signs are less obvious at rest. Snoring or noisy breathing should not be dismissed as automatically normal for a short-faced dog. Ask your veterinarian about concerning changes rather than waiting for an insurance decision.
For the insurance review, assemble the observations already reported to a practice, any airway examination findings and prior recommendations. Keep the dates as recorded. A later specialist label does not necessarily mean the first relevant signs occurred later. Equally, the word “pug” by itself does not prove this individual has a condition.
This distinction changes the questions you ask: “Does the contract include eligible inherited conditions?” is a product question. “Would this dog’s previously noted breathing issue be excluded?” is an individual history question. A yes to the first cannot answer the second.