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?
• Are there restrictions on insuring dogs from specific countries?

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 cover for a rescue dog, factors like the dog’s age, breed, and any pre-existing conditions can affect what type of policy you 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. Rescue dogs are not automatically more expensive to insure – but certain characteristics may lead to higher premiums. Common cost drivers include age, pre-existing medical conditions and breed. On the other hand, if your rescue dog is young and in good health, insurance costs could be similar to insuring any other young dog.

What factors affect the cost of insuring a rescue dog?

• Age — Older dogs often cost more to insure because they’re more likely to develop health issues as they age.
• Pre-existing medical conditions — Some rescue dogs come with known medical histories. Any diagnosed conditions might increase your premium or be excluded from cover entirely.
• Breed — Certain breeds are predisposed to specific health problems, which can increase premiums (for example, hip dysplasia in German Shepherds or joint issues in Labradors).

If your rescue dog is young and healthy, premiums could be comparable to those for a dog you bought as a puppy.

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

Yes. Even a seemingly healthy dog can face accidents or develop illnesses later on. While your rescue pup may pass a vet check now, things can change over time.

Pet insurance protects you against unexpected costs like emergency surgery or treatment for sudden illness. Comprehensive policies sometimes include extras such as routine vaccinations or dental cover, letting you focus on your pet’s care rather than worrying about bills. Planning ahead helps ensure you’re financially prepared for surprises.

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

Yes, you can. Insuring an imported rescue dog may require extra steps – and insurers often ask for supporting documents or additional checks. Typical requirements include:

• Vaccination records — Proof of up-to-date vaccinations.
• 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 local regulations.

Some policies include waiting periods for imported dogs, so check the policy terms carefully before you apply.

Are there restrictions on insuring dogs from specific countries?

Potentially. Some insurers may impose restrictions or additional requirements for dogs from certain countries, particularly where there is higher prevalence of specific diseases or biosecurity risks. To avoid surprises, confirm with your chosen insurer in advance whether your dog’s country of origin affects eligibility or cover.

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 young dog or a senior who’s been round the block a few times, the right insurance policy helps you manage their needs without financial stress.
Find out about dog insurance