""They do not refuse hair removal to men.""
The first place I went for a consultation told me they won't do it without a therapist letter and they also said they do a lot of trans women and "know about this". Actually they had a lot of positive feedback online from various transwomen as being a good place to go and were "understanding". I guess you can call me a liar if you'd like

I can only post from my personal experience.
""SRS, though, is another story. It implies the destruction/modification of healthy organs without a medical reason. One of physicians' primary guideline is "do no harm" and, without a medical reason, they should not do something that would harm the patient more than it will help them. Without any diagnosis (without a problem), however, medically speaking, SRS is removing the patient's fertility and, to some extent, removing some possibilities from them.""
So please explain how having a vasectomy or a tubal ligation doesn't fit this same description? I can freely go have a invasive procedure to make me sterile (informed consent) but require extensive therapy and be declared "having a mental disorder" letter to do this another way?
""Theorically, this does not apply to breast augmentation, as no definite harm is done to the body in the procedure and the body keeps all of its functions intact. The person is merely exposed to consented, limited risks, and this does not justify its being blocked. If it did, all purely cosmetic interventions would be blocked.""
But again, the same WPATH nonsense is applied. And MANY women would argue your "no definite harm is done to the body in the procedure" point. And how does HRT not fit "The person is merely exposed to consented, limited risks" yet it has this same WPATH nonsense blocking it as well.
""Apart from that, if no diagnosis justifies an intervention such as SRS, it will logically be regarded as facultative and purely cosmetic, just like botox injections. This poses serious insurance issues.""
So who exactly in the USA still covers SRS under health insurance today?
http://www.tsroadmap.com/reality/insurance.html"This is usually the hardest to get covered. Many policies specifically exclude SRS.
A little background: SRS was routinely covered in the US until a couple of medical articles came out in the late 1970's showing high suicide rates among post-operative women. This came at the same time a couple of prominent gender clinics were closed, notably Johns Hopkins.
The insurance companies pounced on these events as a chance to decry the procedure as elective, cosmetic, or experimental."