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You potentially have a cause of action. If the insurance company was, under the terms of the policy, supposed to cover the stress test then you would have a cause of action. If, instead, the policy did not cover the cost of the test and the insurance company told the truth about what they were supposed to pay then you would not have a cause of action since the insurance company didn't do anything wrong.
The only way you're going to find out is to have a local lawyer look at the insurance policy, the coverage sheets, as well as any other documents.
You can find a lawyer to assist you by going to www.lawyers.com and in the section for Area of Practice enter Civil Litigation or Consumer Law. Either of those will have the skill set you need.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered.