Ask your doctor for an event monitor - Holter monitor that you wear and when you experience an arrhythmia you push a button and a three minute EKG is recorded - can do several before sending data back to hospital/lab where you picked it up. This might satisfy your insurance company.
Hello there
One of the best Polar Heart Rate monitors that might help you is the Polar RS800CX, this watch monitor has the capability to record every heart beat for at least 18 hrs (according to Polar). I have one of this monitors and it works great. It will not tell you that you have an arrhythmia but it will record the fluctuations on you heart rate so you can later download it and verify it, also you can see in the watch screen the heart rate you have at that exact moment.
If your doctor order it, discuss this model with him/her before buying anything.
Remember only an ECG (EKG) or Holter Monitor will detect for sure if you have an arrhythmia and what type.
http://www.heartratemonitors.com/rs800cx.htm
Take care
Why don't you go to Polar's web site. They have testimonials from people who had irregular heart beats detected by device. I have a F6 monitor and it is complicated to work. However, some of them can be uplinked with the computer, I think mine can. This will store your information from monitor, documenting it, I think. But I haven't tried this yet. I had another Polar, same model, that went bad after I went swimming with it. Polar does say their monitors are water proof, however, not to work the buttons while in the pool. I think this is what I did, because I have been swimming with another Polar monitor I have, less expensive that F6, and it has been doing fine in pool, as long as I don't work the buttons on monitor until it is dry. Hope this helps.