insurance question

Has anyone invested in pet insurance AFTER an IMHA diagnosis? Even after my first dog cost us boatloads, I still decided that a savings account was the way to go for our pups, rather than insurance, but after going through it again, I have decided that I’d rather have the mindset of not having to decide whether or not to do this test or another because of cost. So I was just going to go ahead an enroll my healthy dog.

But in talking to customer service at PetPlan, I am told I could actually get insurance for Ernie, with the IMHA as an exclusion (assuming he pulls through, which I am still focused on).

They tell me the vet would be the one to diagnose whether any future issues are related to IMHA or not. My question is whether anyone has done this and has experience in how it played out? I am thinking, for example, that a dog on immunosupressants has a higher risk of catching things, but that those things might not be related to the IMHA directly. Or that a dog on pred has a higher chance of eating something he should not, but again, not directly related. For obvious reasons, I don’t want to ask this question of insurance directly, but I am curious if anyone else has rolled the dice and gotten insurance post diagnosis?

If nothing else, it would be good to have in case he develops some totally unrelated disease, or in case he breaks a leg or whatnot, so I am leaning heavily on getting it regardless, but I am sorting out what sort of deductible/limits/copay I should go with.