i mean...baby fat isn't even the same as adult fat! It's all heat-providing and actually calorie burning

And even if it was, what are the family going to do? As they said, it's not like they're feeding the kid chocolates and twinkies! The only exercise a child that age can dream of doing that burns enough calories would be guided doggypaddles in a wading pool, and that's so unsafe that it's not even funny.

EDIT: For that matter, "Everyone is doing it" is just a bad business model. Yes that's a way to make people choose your insurance over others...doing the exact same stupid policy refusals as everyone else...very well done.