I asked several companies their policy on this a few years ago, and their answer was that if the dog is not vaccinated, the policy is breeched and so they will not pay out for ANYTHING
I am hoping that in the intervening years, things have changed, but I can't imagine anything worse than finding out you have breeched the terms of your insurance policy when youare tryin to do the best for your dog
I haven't been brave enough to ask this time, as we haven't bought yet, and I don't want to get blacklisted by any companies before I start!