Rescue Dog Insurance

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Cover Tailored To Your Rescue

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Rescue Dog Insurance

Exceptional Cover for Your Dog

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Why You Need A Specialist Insurer

Incomplete Vet History

It’s common for rescues to have little or no medical history, but specialists like us can guide you through the process by phone or email.

Protect Against New Conditions

While many rescue dogs are perfectly healthy, getting insured as early as possible can ensure you’re covered if new illnesses develop or further accidents happen. Illnesses that occur in the first 14 days, or injuries in the first 5 days, are not covered.

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White Labrador


Why You Should Choose Muddy Paws


  • Lifetime and 12 Month Cover
  • Up to £10,000 Vets Fees Per Year
  • Complementary Therapy
  • Pet Travel Insurance
  • Third Party Liability
  • Death Benefit
  • Dedicated Claims Line
  • Up to £750 if Your Pet is Stolen

What If My Rescue Has A Pre-Existing Medical Condition?

A pre-existing condition is any injury, illness, or symptom your pet has before your policy has started.

It is essential you inform us of any current conditions or previous illnesses, as it will not be possible for us to cover them if they occur before your policy start date.

If you’re unsure how your rescue dog’s history could affect your cover, our team of dog lovers will be happy to talk it through with you by phone or email.

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Fluffy German Shepherd

How To Get Insurance For Rescue Dogs With Muddy Paws

  • Step 1: Get A Quote — Fill out a quick form and get your quote in minutes. You can recover a previously saved quote if you’ve started the process already.
  • Step 2: Choose Your Cover — Choose the level of cover you need, and for either Lifetime cover or an annually-renewable 12-month policy.
  • Step 3: Cover Starts On Your Chosen Date — Protection for your rescue starts on your chosen date. You’ll get immediate email confirmation of this, but illnesses that occur in the first 14 days, or injuries in the first 5 days, are not covered.
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What’s Covered
What’s Not Covered
  • Accidents and Injuries (from the first 5 days)
  • Pre-existing Conditions
  • Illnesses (From the First 14 Days)
  • Illnesses in the First 14 Days
  • Hip Replacements
  • Accidents or Injuries in the First 5 Days
  • Lost or Stolen Pet
  • Routine Vaccination or Treatments
  • Pet Cover Abroad
  • Routine Dental Treatments
  • Emergency Boarding Kennel Fees
  • Dogs Under 5 Weeks or Over 8 Years
  • Third Party Liability

  • Mixed and Crossbreeds

  • Non-Routine Dental Treatment

Black Labrador

A Better Life.

Every rescue dog is special; their cover should be, too.

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Frequently Asked Questions (FAQ’s)

Cover begins from your chosen start date. However, illnesses occurring within the first 14 days, or accidents and injuries within the first 5 days of the policy, are not covered.

Before taking out a policy, you must declare any known current conditions, including a full illness history. We cannot cover any conditions that manifested before the policy is taken out, but new illnesses, accidents, and injuries will be covered in line with the standard terms of your policy.

It is essential you tell us everything you know or have been told about your dog from the rescue centre, however minor. We advise you get a vet checkup as soon as possible for your rescue and that you contact us so we can get you covered as quickly as possible.

Many dogs will come with free temporary insurance that covers them for around 4-6 weeks. This gives you the chance to find longer-term coverage, which we recommend you do with us as quickly as possible.

We insure pets aged between 5 weeks and 8 years from the start of a policy, though certain breeds can only be insured if the pet is less than five years old.

We can cover crossbreeds and unknown mixes — but Muddy Paws cannot cover dogs that must be registered under the Dangerous Dogs Act 1991.

As long as it is not for a routine appointment, we pay claims directly to your vet. You only need to pay the excess as set out in your policy agreement, rather than the full bill upfront.

If complementary or alternative therapy — such as acupuncture, hydrotherapy, physiotherapy, or treatment for behavioural illness — is recommended by your vet, this can be covered.

Routine vaccinations or care cannot be claimed for and will not be included in your policy.

Whether your dog is a rescue does not necessarily influence the level of your policy premiums, but the age, breed, and health of your new pal dictates it more. We highly recommend you get a quote with us.