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If I were inclined to get insurance, I would take the policy out before I got a dog no matter WHERE I got it from. Because almost certainly anything diagnosed at that first appointment will be considered a pre-existing condition if the policy isn't already in effect.
 

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I bet they wouldn't cover HW treatment if the dog had HW at the time the policy was issued. Same for teeth cleaning. I don't think any policy would cover spay surgery.
Some of the companies have their "pre-exclusions" listed online, so you can browse before you decide. There are a ridiculous amount of pre-exclusions these days but the last time I looked a lot of them were hereditary (or thought to be hereditary) and/or high risk for specific breeds.
 
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