Is it advisable to delay the start date of my insurance for the LTR visa to allow for a refund in case of rejection?

The inquiry discusses whether it is acceptable to set a future start date (30 days out) for insurance required for the Long-Term Resident (LTR) visa in Thailand, in order to potentially receive a refund if the visa application is rejected. There are conflicting opinions in the comments about whether insurance can be submitted after initial application approval or if it must be included from the outset. Some users report that they had challenges with insurance approval from foreign providers and suggest managing the insurance process directly with Thai authorities.