Insurance for FIV+ cat

[PinkSparklyPussyCat]

Has anyone taken out insurance for an FIV+ cat? Eddie, my new furry overlord, was diagnosed with a routine blood test when he was taken in by the rescue but (touches wood) has never shown any symptoms and has a clean bill of health. I have 3 options:

1. Manypets will cover pre-existing conditions after 3 months - has anyone had any dealings with them and were they any good?
2. Take out insurance that excludes anything linked to his FIV and put money away. We were paying nearly £50 a month for Harry and would put the balance away.
3. Put £50 a month in a savings account for Eddie. This is my least preferred option as I know how expensive Harry's heart failure and osteoarthritis was and it wouldn't take long to wipe out the pot of money we'd saved.

Thanks in advance for any advice!

The cardiologist suggested Brought by many for pre existing conditions. I can't fault Tesco at all for our cover. They've always been the cheapest. And very efficient to deal
With.

I'm considering Bought by Many, I'm just a bit concerned we'll pay them £40 a month and they still won't pay out. Apparently if the cat hasn't had diagnoses, treatment or advice about an issue for 3 months they'll cover it. I'm just worried what their definition of 'advice' is!

Tesco won't even quote me with exclusions online, I need to call them but I prefer to get quotes online. I'd like to go back with Petplan as they were brilliant with Harry but they exclude the FIV and are expensive.