Can you get pet insurance for a rescue dog?

Adopting a dog from a shelter is a wonderful way to give a deserving pet a second chance, while also helping to reduce the demand for puppy farms and unethical breeding practices.But before you bring a new four-legged friend into your life, you need to think about their health and wellbeing — and that includes insurance. Is insuring a rescue dog more expensive? Do you really need pet insurance for them? Keep reading to find out more.

Jump to:

• Can I get pet insurance for a rescue dog?
• Are rescue dogs more expensive to insure?
• What factors affect the cost of insuring a rescue dog?
• Should I get pet insurance for my rescue dog even if they’re healthy?
• Can I insure a rescue dog that I’ve imported from abroad?

Can I get pet insurance for a rescue dog?

Yes, absolutely! Rescue dogs qualify for pet insurance just like any other dog. Whether they’re young or old, large or small, pet insurance can help cover the financial burden of unexpected vet bills.

When choosing a rescue dog, factors like the dog’s age, breed, and any pre-existing conditions can all affect what type of pet insurance policy you may need. For example, older dogs or those with health problems might need more comprehensive cover, which can cost a little more. It’s a good idea to shop around to compare cover and prices.
 

Are rescue dogs more expensive to insure?

It depends. Several factors contribute to the cost of insuring a rescue dog, but they are not automatically more expensive to cover. That said, certain characteristics could lead to higher premiums, including:

• Age – Older rescue dogs often cost more to insure due to an increased likelihood of health issues as they age.
• Pre-existing medical conditions – Some rescue dogs will come with known medical histories, which your rescue centre will be able to tell you about. Any diagnosed conditions might increase your pet insurance premium or be excluded from cover completely.
• Breed – Some breeds are predisposed to specific health concerns, which may drive up premiums. For example, German Shepherds often face hip dysplasia, while Labradors can develop arthritis or obesity as they age.

On the other hand, if your rescue dog is in good health and young, insurance costs could be no different to those of any other dog you have owned since a pup.
 

What factors affect the cost of insuring a rescue dog?

Aside from age, breed, and pre-existing conditions, other factors can include your location, the level of cover you choose, and whether the policy includes extras like dental or routine care.
 

Should I get pet insurance for my rescue dog even if they’re healthy?

Yes! Even a seemingly healthy dog can face health issues or accidents. While your rescue pup may pass a vet check with flying colours now, things can change over time.

Pet insurance protects you against unexpected costs, such as an emergency surgery or treatment for a sudden illness. Comprehensive policies often include additional perks, like cover for routine vaccinations or dental work, so you can focus on your pet’s care rather than potential costs.

By planning ahead, you can ensure you’re financially prepared for any eventuality.
 

Can I insure a rescue dog that I’ve imported from abroad?

Yes, you can! However, insuring a rescue dog that has been imported may require a few extra steps.

Many insurers provide cover for dogs brought in from other countries, but they might request additional documents or specific health checks. To ensure everything goes smoothly, here are some things you’ll likely need to provide:

• Vaccination records – Proof of up-to-date vaccinations, including against rabies.
• Health certificate – A vet-issued certificate confirming your dog is in good health.
• Import paperwork – Evidence that your dog was legally imported and complies with regulations.

These steps ensure your dog meets both local requirements and insurer expectations. Additionally, some policies include waiting periods for imported dogs, so it’s worth checking the terms carefully.

Are there any restrictions on insuring a rescue dog from a specific country?

Some insurers may impose restrictions on covering dogs from specific countries, particularly those with a higher prevalence of certain diseases or health risks. To avoid any surprises, it’s wise to confirm with the insurer in advance that your dog’s country of origin won’t pose any issues.
 

Pet insurance for rescue dogs

Insuring a rescue dog is an important step towards their wellbeing — and your peace of mind. Whether your new companion is a healthy puppy or a senior who’s been around the block, the right insurance policy can help you manage their needs without financial stress.

Need help finding an insurance policy tailored to your rescue dog? Get started today and give your new best friend the care they deserve.