Is Argos Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Argos
Argos Pet Insurance holds a well-established place among UK pet insurers, offering three clear products—Lifetime, Maximum Benefit, and Time Limited—designed to address a broad range of owner profiles. The Lifetime formula, with its annual cover reset and ongoing chronic illness support, is particularly strong; ceiling levels and excess amounts are transparent but vary across policies, and there is comprehensive coverage for dental illness, travel within PETS countries, boarding, and holiday cancellation. Argos stands out for combining competitive pricing with a streamlined, highly digital process—98% of claims are processed within 5 working days—and a trustworthy customer journey, as evidenced by its 4.5/5 Trustpilot score from over 2,000 reviews. Its value is especially notable for young cats and dogs, multi-pet households, and owners seeking simple, complete management via an online portal, while its age limits (dogs up to 8, cats up to 10 at signup) and broad exclusions for pre-existing or hereditary conditions make it less suited for senior or at-risk breeds seeking late entry. The insurer, Pinnacle Insurance plc, is FCA-regulated, backed by FSCS protection, and manages substantial claim volumes, suggesting robust operational reliability and financial soundness. Average claim reimbursements are among the quickest on the market.
Argos is especially suitable for owners of young or middle-aged pets who want strong ongoing illness cover and expect fast, reliable digital claims management—particularly those insuring more than one animal or preferring self-service online tools.
- ✅Three plan options including Lifetime, Maximum Benefit, Time Limited
- ✅Fast claims: 98% settled within 5 working days
- ✅Annual vet fee reset on Lifetime cover
- ✅Comprehensive dental illness inclusion with routine vet checks
- ✅Competitive pricing in the mainstream market
- ✅4.5/5 Trustpilot score (2,059 reviews), strong customer support
- ✅Fully digital claims portal and 24/7 vet helpline
- ❌Premiums rise sharply as pets age or after claims
- ❌Strict upper age entry limits (cats 10, dogs 8/5)
- ❌No cover for pre-existing or hereditary conditions
- ❌Online portal occasionally difficult due to security/login steps
- ❌No flexible choice of excess to manage premium
- ✅Three plan options including Lifetime, Maximum Benefit, Time Limited
- ✅Fast claims: 98% settled within 5 working days
- ✅Annual vet fee reset on Lifetime cover
- ✅Comprehensive dental illness inclusion with routine vet checks
- ✅Competitive pricing in the mainstream market
- ✅4.5/5 Trustpilot score (2,059 reviews), strong customer support
- ✅Fully digital claims portal and 24/7 vet helpline
Our Expert's Opinion on Argos
ScoreArgos Pet Insurance holds a well-established place among UK pet insurers, offering three clear products—Lifetime, Maximum Benefit, and Time Limited—designed to address a broad range of owner profiles. The Lifetime formula, with its annual cover reset and ongoing chronic illness support, is particularly strong; ceiling levels and excess amounts are transparent but vary across policies, and there is comprehensive coverage for dental illness, travel within PETS countries, boarding, and holiday cancellation. Argos stands out for combining competitive pricing with a streamlined, highly digital process—98% of claims are processed within 5 working days—and a trustworthy customer journey, as evidenced by its 4.5/5 Trustpilot score from over 2,000 reviews. Its value is especially notable for young cats and dogs, multi-pet households, and owners seeking simple, complete management via an online portal, while its age limits (dogs up to 8, cats up to 10 at signup) and broad exclusions for pre-existing or hereditary conditions make it less suited for senior or at-risk breeds seeking late entry. The insurer, Pinnacle Insurance plc, is FCA-regulated, backed by FSCS protection, and manages substantial claim volumes, suggesting robust operational reliability and financial soundness. Average claim reimbursements are among the quickest on the market.
Argos is especially suitable for owners of young or middle-aged pets who want strong ongoing illness cover and expect fast, reliable digital claims management—particularly those insuring more than one animal or preferring self-service online tools.
- ✅Three plan options including Lifetime, Maximum Benefit, Time Limited
- ✅Fast claims: 98% settled within 5 working days
- ✅Annual vet fee reset on Lifetime cover
- ✅Comprehensive dental illness inclusion with routine vet checks
- ✅Competitive pricing in the mainstream market
- ✅4.5/5 Trustpilot score (2,059 reviews), strong customer support
- ✅Fully digital claims portal and 24/7 vet helpline
- ❌Premiums rise sharply as pets age or after claims
- ❌Strict upper age entry limits (cats 10, dogs 8/5)
- ❌No cover for pre-existing or hereditary conditions
- ❌Online portal occasionally difficult due to security/login steps
- ❌No flexible choice of excess to manage premium
- ✅Three plan options including Lifetime, Maximum Benefit, Time Limited
- ✅Fast claims: 98% settled within 5 working days
- ✅Annual vet fee reset on Lifetime cover
- ✅Comprehensive dental illness inclusion with routine vet checks
- ✅Competitive pricing in the mainstream market
- ✅4.5/5 Trustpilot score (2,059 reviews), strong customer support
- ✅Fully digital claims portal and 24/7 vet helpline
- Argos Warranties
- Exclusions from Argos
- Argos Prices
- How does reimbursement work with Argos Pet Insurance?
- Argos Assistance
- Customer feedback on Argos
- How can I contact Argos?
- FAQ
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Argos Warranties
Argos offers three pet insurance options—Lifetime, Maximum Benefit, and Time Limited—each catering to different needs for dogs and cats with customisable annual limits and defined per-condition ceilings. The brand stands out for its competitive breadth of cover, including non-routine dental, physiotherapy, select clinical diets, coverage for advertising if your pet goes missing, and a robust travel/holiday package, all supported by a 24/7 veterinary helpline and an efficient claims process (98% settled within 5 days).
Excess is charged per condition or per policy year (details in the certificate), and entry age limits are 8 weeks minimum, up to 10 years for cats and up to 8 years for dogs (5 for some breeds), but once insured, cover is sustainable for life if renewed.
Argos omits routine/preventive care (vaccinations, neutering, routine dental, grooming), alternative therapies unless prescribed, and all pre-existing or waiting-period conditions.
Despite some premium increases for older or chronically ill pets, Argos remains clear about annual terms, benefit resets, and time-limited conditions.
| Guarantee / Formula | Lifetime Cover | Maximum Benefit Cover | Time Limited Cover |
|---|---|---|---|
| Positioning of the formula | Comprehensive, annual reset, covers ongoing conditions | Flexible, per-condition max limit, until cap reached | Basic, covers new conditions for up to 12 months |
| Type of cover | Accident & illness (annual reset) | Accident & illness (max per condition, no reset) | Accident & illness (12 months per condition max) |
| Pets covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | NC | NC | NC |
| Annual reimbursement limit | Custom: £1,000–£8,000/year (per quote) | Custom: £1,000–£8,000/condition (per quote) | Custom: £1,000–£8,000/condition or 12 months (per quote) |
| Excess (per year or per claim) | Custom, details on certificate; per condition or per year | Custom, details on certificate; per condition or per year | Custom, details on certificate; per condition or per year |
| Minimum & maximum age (Cats) | Min 8 weeks, max 10 years to join; cover for life if renewed | Min 8 weeks, max 10 years to join; cover for life if renewed | Min 8 weeks, max 10 years to join; cover for life if renewed |
| Minimum & maximum age (Dogs) | Min 8 weeks, max 8 years (5 for some breeds) | Min 8 weeks, max 8 years (5 for some breeds) | Min 8 weeks, max 8 years (5 for some breeds) |
| Health questionnaire required? | NC | NC | NC |
| Waiting period illness | 14 days after start | 14 days after start | 14 days after start |
| Waiting period accident | 3 days after start | 3 days after start | 3 days after start |
| Lifetime cover once insured | ✅ if renewed without break | ✅ if renewed without break | ✅ if renewed without break |
| Vet consultations (all types) | ✅ Up to annual or per-condition cap | ✅ Up to per-condition cap | ✅ Up to per-condition/12-month cap |
| Medications | ✅ If vet-prescribed, subject to cap | ✅ If vet-prescribed, subject to cap | ✅ If vet-prescribed, subject to cap |
| Hospitalisation | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Ambulance costs | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Surgery, anaesthesia | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Scans, MRI, ultrasound | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Laboratory analysis | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Radiotherapy | ✅ Within vet fees cap | ✅ Within vet fees cap | ✅ Within vet fees/12-month cap |
| Dental care | ✅ Non-routine, illness (annual check-up required), accident | ✅ Non-routine, illness (annual check-up required), accident | ✅ Non-routine, illness (annual check-up required), accident |
| Descaling | ❌ Only for clinical need, not preventive or routine | ❌ Only for clinical need, not preventive or routine | ❌ Only for clinical need, not preventive or routine |
| Prevention plan (amount and items) | ❌ No preventive cover or fixed allowance | ❌ No preventive cover or fixed allowance | ❌ No preventive cover or fixed allowance |
| Alternative therapies | ✅ Prescribed homeopathic/physiotherapy, within vet fees cap | ✅ Prescribed homeopathic/physiotherapy, within vet fees cap | ✅ Prescribed homeopathic/physiotherapy, within fee cap |
| Therapeutic food | ✅ 25% of clinical diet (max 6 months/condition, not obesity) | ✅ 25% of clinical diet (max 6 months/condition, not obesity) | ✅ 25% of clinical diet (max 6 months/condition, not obesity) |
| International cover / travel | ✅ Up to 90 days/year, PETS countries, within vet fees cap | ✅ Up to 90 days/year, PETS countries, within vet fees cap | ✅ Up to 90 days/year, PETS countries, within vet fees cap |
| Death/cremation | ✅ Market value/purchase price, funeral within £200 cap | ✅ Market value/purchase price, funeral within £200 cap | ✅ Market value/purchase price, funeral within £200 cap |
| Euthanasia | ✅ If vet-recommended | ✅ If vet-recommended | ✅ If vet-recommended |
| Theft/loss/search costs | ✅ Advertising/reward, certain exclusions | ✅ Advertising/reward, certain exclusions | ✅ Advertising/reward, certain exclusions |
| Kennel/cattery/boarding costs | ✅ If owner hospitalised >48h, £15/day carer | ✅ If owner hospitalised >48h, £15/day carer | ✅ If owner hospitalised >48h, £15/day carer |
Good to know
Argos does not cover routine/preventive care (vaccines, neutering, routine dental, grooming, regular parasite control, microchipping costs), and excludes pre-existing or waiting-period conditions. Annual benefit/excess amounts are selected at quote, and some breeds have stricter maximum age rules. Claims must be supported by invoices and annual vet check-ups/vaccinations are required for dental/illness cover continuity. Third Party Liability is strictly for dogs, and only in the UK, Isle of Man, and Channel Islands.
For the most cost-effective protection, compare Argos rates with other providers and request a personalised quote to match your pet’s needs.
👉 Compare pet insurance plans for freeStart saving on vet billsExclusions from Argos
Argos Pet Insurance adopts a comprehensive exclusion policy that aligns with standard UK market practice on pre-existing conditions, but stands out for explicitly excluding obesity-related clinical diets and certain post-mortem costs—even when linked to claims.
Argos Prices
Argos displays a mid-range pricing position within the UK pet insurance market, balancing cost with a set of benefits that are neither minimalist nor ultra-premium. The inclusion of meaningful features like dental illness cover (with conditions), 25% reimbursement for prescribed clinical diets, international cover, and holiday cancellation protection brings its formulas close to sector standards, but without highly unique or costly inclusions. Excess levels are moderate, and claims experience is streamlined through a digital-first portal, supporting competitive operational costs—this keeps prices stable for entry and mid-range covers. However, as with most insurers, premiums can increase notably for older pets and long-standing/lifetime policies post-claim, making Argos less attractive for high-age brackets compared to some rivals. Overall, Argos is best described as in a median market position: offering solid core cover at rates generally aligned with the mainstream UK insurers.
| Lifetime Cover | Maximum Benefit Cover | Time Limited Cover | |
|---|---|---|---|
| Young cat (2-4 yrs) | £22/month | £17/month | £13/month |
| Senior cat (7-8 yrs) | £36/month | £27/month | £22/month |
| Small dog (2-4 yrs) | £27/month | £21/month | £15/month |
| Small dog (7-8 yrs) | £45/month | £34/month | £27/month |
| Large dog (2-4 yrs) | £35/month | £28/month | £20/month |
| Large dog (7-8 yrs) | £63/month | £46/month | £38/month |
It’s always recommended to compare several offers to ensure you find the most suitable and cost-effective insurance for your pet’s specific needs.
👉 Compare pet insurance plans for freeStart saving on vet billsArgos promo codes
| Argos promo codes | Details |
|---|---|
| Multi-pet discount | £1 per pet per month (at least £24/year total) |
| Code HelloSafe | -5% on your quote |
How much will I be reimbursed with Argos?
How does reimbursement work with Argos Pet Insurance?
With Argos Pet Insurance, the amount you are reimbursed for your vet bill depends on the level of cover you choose, the annual benefit limit, and your fixed yearly excess (franchise). Their most comprehensive plan is the Lifetime policy, which resets your annual limit every year and covers ongoing conditions as long as you renew—making it ideal for high-value protection against unexpected pet health costs.
Example 1: Consultation and treatment for dog’s ear infection (Lifetime Cover, highest ceiling)
Total vet fees: £350 (including consultation, ear swab, medication)
Annual excess to deduct: £99 (this is Argos’ typical excess for Lifetime policies; actual excess may vary, see your policy)
Amount eligible for reimbursement after excess: £350 – £99 = £251
Reimbursement rate: 90% of £251 = £225.90
👉 You receive £225.90 back.
Your personal out-of-pocket cost: £99 (excess) + £25.10 (remaining 10%) = £124.10
ℹ️ The excess only applies once per policy year per pet. All further vet fees for new treatments within the year will not have this excess deducted again, maximising subsequent reimbursements until your annual benefit limit is reached.
Example 2: Cruciate ligament surgery for a Labrador (Lifetime Cover, high ceiling)
Total vet fees for surgery and rehabilitation: £2,200
Annual excess already paid earlier in the year
Amount eligible for reimbursement: £2,200
Reimbursement rate: 90% of £2,200 = £1,980
👉 You receive £1,980 back.
Your personal out-of-pocket cost: 10% co-pay of the claim = £220
ℹ️ No further excess taken as it was already paid earlier in the policy year. With the Lifetime policy, your annual benefit limit (which can be up to £7,000 or more depending on your chosen level) covers you for all new treatments year after year, including ongoing conditions like arthritis or diabetes.
Example 3: Dental cleaning following accident (Lifetime Cover, high ceiling)
Total vet fees for dental treatment after trauma: £500
Excess for this year was already paid on a previous claim
Amount eligible for reimbursement: £500
Reimbursement rate: 90% of £500 = £450
👉 You receive £450 back.
Your personal out-of-pocket cost: 10% co-pay of the claim = £50
ℹ️ Unlike many pet insurers, Argos Lifetime Cover includes dental treatment after accidents as standard. All ongoing dental or accident-related vet bills are covered up to your chosen annual limit, provided regular vet check-ups and advice have been followed.
Argos Assistance
Argos provides 24/7 access to a veterinary helpline for health, behavioural, and nutritional advice, which is a strong asset for pet owners who need immediate support or reassurance.
A digital claims and account management portal is available and generally praised for ease of use, though some user feedback highlights issues with the portal's one-time passcode system and the absence of a true mobile app, which may be limiting for those expecting app-based services.
Notably, Argos does not offer a "pay direct" or "advance of fees" system with clinics—claims are reimbursed to owners rather than settled up-front at the vet, so clients must advance payments themselves.
The lack of an integrated veterinary emergency teleconsultation or a formal partner clinic network is a limitation compared to the most comprehensive assistances available in the UK market.
International cover for treatment abroad is included for up to 90 days in PETS countries, but there is no support for situations involving permanent relocation, and emergency assistance is limited to reimbursement rather than concierge services.
| Assistance Argos | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No direct to vet payment system (such as Payvet or Petcard). The owner must pay the vet and claim reimbursement via the portal. |
| Payment facilities | ❌ | No split or deferred payment option for premiums or claims is advertised. Regular premium payments only (monthly or annually). |
| Mobile app | ❌ | No dedicated mobile app for policy management or claims. Digital access is via online portal, which some users find easy, but it is not a true mobile app. |
| Digital claims management | ✅ | Claims are submitted and tracked via the online customer portal. Reviews praise fast processing, though portal access requires email passcodes each time. |
| Vet emergency helpline | ✅ | 24/7 phone helpline offers advice for health, behaviour, and bereavement, handled by veterinary nurses. No formal video teleconsultation with a vet. |
| Partner clinic network | ❌ | No formal list of partner clinics or negotiated in-network rates. Clients may use any licensed UK vet. |
| Cover abroad | ✅ | Vet fee cover extends up to 90 days in PETS countries per year. Covers emergencies, quarantine and document loss, but not permanent moves or non-PETS travel. |
Customer feedback on Argos
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5/5 (2,059 reviews) |
We have analysed the reviews from the site listed above. On the positive side, policyholders who have insured their pets with Argos most frequently mention:
- An efficient and fast claims process: claims are typically easy to submit and are paid out quickly, often in a matter of days, either directly to the customer or to the vet, with minimal hassle.
- Reliable and supportive customer service: many customers highlight the caring, helpful, and responsive attitude of the staff, both regarding simple claim situations and more complex, long-term pet health conditions.
- An easy-to-use online portal: the digital platform is generally appreciated for its convenience, especially for submitting and tracking claims, and for the assistance received from the helpdesk.
- Regular and transparent updates: communication during the claims process is usually clear and timely, with proactive follow-ups from the support team.
- Suitable coverage for chronic and long-term conditions: ongoing or recurring illnesses are reportedly handled with ease, and transitions to lifelong cover receive positive feedback.
- Good value for money: several users feel the pricing is competitive and appropriate for the quality of cover and service provided.
On the negative side:
- Significant year-on-year premium increases: many customers are dissatisfied with sharp rises in premiums as pets age or after making claims, sometimes amounting to unsustainable monthly fees.
- Limited flexibility in policy adjustments: frustration is expressed over the inability to change the policy excess or other terms in response to premium increases.
- Occasional delays and technical issues with the online portal: some users experience frustration with the email-based security process, especially delays in receiving one-time passcodes or other usability problems.
- Customer service inconsistency: while most find the service excellent, a few report unhelpful or unavailable staff, particularly regarding management or policy decisions.
How can I contact Argos?
| Argos customer service | Details |
|---|---|
| To get a quote or purchase online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | - Submit your claim via the Argos Pet Insurance online portal: https://argospetinsurance.co.uk/portal - You can also contact customer service at 0344 543 1053 (Monday-Friday 9am-5pm, excluding holidays). - Postal address: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX. - Attach to your claim: claim form, original vet invoices, and any other supporting documents requested. - Reimbursements are generally paid within 5 business days after approval. |
| To obtain a proof of insurance | - Log in to your Argos customer portal (https://argospetinsurance.co.uk/portal) to download your proof of insurance. - You can also request it from customer service at 0344 543 1053 or by mail at: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX. |
| To contact assistance | - For veterinary advice or bereavement support, call the dedicated 24/7 line at 0303 334 0795. - For any other assistance or emergency relating to your policy, call customer service at 0344 543 1053. - You can also send mail to: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX. - The online customer portal also allows you to handle some assistance needs. |
| To cancel my contract | - You can cancel at any time by phone (0344 543 1053), via the online portal, or by mail to Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX. - Attach: policy number, your contact details, and a clear cancellation request. - Notice: immediate during the cooling-off period (14 days after subscription, refund if no claim paid); after 14 days, cancellation possible at any time, but the refund will depend on the payment method and any reimbursements already made. - A pro-rata refund may be granted depending on your situation. |
- You can also contact customer service at 0344 543 1053 (Monday-Friday 9am-5pm, excluding holidays).
- Postal address: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
- Attach to your claim: claim form, original vet invoices, and any other supporting documents requested.
- Reimbursements are generally paid within 5 business days after approval.
- You can also request it from customer service at 0344 543 1053 or by mail at: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
- For any other assistance or emergency relating to your policy, call customer service at 0344 543 1053.
- You can also send mail to: Argos Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
- The online customer portal also allows you to handle some assistance needs.
- Attach: policy number, your contact details, and a clear cancellation request.
- Notice: immediate during the cooling-off period (14 days after subscription, refund if no claim paid); after 14 days, cancellation possible at any time, but the refund will depend on the payment method and any reimbursements already made.
- A pro-rata refund may be granted depending on your situation.
FAQ
Do I have to pay vet bills upfront with Argos?
Argos does not offer a standard third-party payment system such as Payvet, so you will generally need to pay your vet bills upfront and then claim reimbursement. Most claims are processed quickly, with 98% paid within 5 working days once all documents are provided. Some vets may agree to be paid directly, but this should be arranged between you, your vet, and Argos in advance.
How do I cancel my Argos pet insurance policy?
To cancel your Argos pet insurance, contact customer service by phone, email, or via your online account portal. You must give notice (there is a 14-day cooling-off period for a full refund if no claim has been made; afterwards, cancellation terms depend on your payment method). Provide your policy details and, if required, written confirmation of cancellation.
What types of cover does Argos Pet Insurance offer, and which pets are eligible?
Argos provides Lifetime, Maximum Benefit, and Time Limited cover levels for cats and dogs; rabbits can be insured on a dedicated rabbit policy. Eligibility depends on age: dogs up to 8 years old (some breeds up to 5), and cats up to 10 years old at the start of the policy. Rabbits must be under 5 years old for new cover.
Which conditions and treatments are not covered by Argos policies?
Argos excludes pre-existing or recurring health issues present before cover begins, as well as routine or preventative care such as vaccinations, worming, neutering, and dental care that isn't vet-recommended due to illness or accident. Cosmetic procedures, obesity-related costs, and treatments avoidable by vaccination are also not covered.
Are the premiums fixed, and do they increase over time?
Premiums are reviewed annually and can rise as your pet ages, if you make claims, or as veterinary costs increase. Many customers report increases year on year, especially after claims or as pets get older, so it’s important to budget for potential changes when renewing your policy.
Do I have to pay vet bills upfront with Argos?
Argos does not offer a standard third-party payment system such as Payvet, so you will generally need to pay your vet bills upfront and then claim reimbursement. Most claims are processed quickly, with 98% paid within 5 working days once all documents are provided. Some vets may agree to be paid directly, but this should be arranged between you, your vet, and Argos in advance.
How do I cancel my Argos pet insurance policy?
To cancel your Argos pet insurance, contact customer service by phone, email, or via your online account portal. You must give notice (there is a 14-day cooling-off period for a full refund if no claim has been made; afterwards, cancellation terms depend on your payment method). Provide your policy details and, if required, written confirmation of cancellation.
What types of cover does Argos Pet Insurance offer, and which pets are eligible?
Argos provides Lifetime, Maximum Benefit, and Time Limited cover levels for cats and dogs; rabbits can be insured on a dedicated rabbit policy. Eligibility depends on age: dogs up to 8 years old (some breeds up to 5), and cats up to 10 years old at the start of the policy. Rabbits must be under 5 years old for new cover.
Which conditions and treatments are not covered by Argos policies?
Argos excludes pre-existing or recurring health issues present before cover begins, as well as routine or preventative care such as vaccinations, worming, neutering, and dental care that isn't vet-recommended due to illness or accident. Cosmetic procedures, obesity-related costs, and treatments avoidable by vaccination are also not covered.
Are the premiums fixed, and do they increase over time?
Premiums are reviewed annually and can rise as your pet ages, if you make claims, or as veterinary costs increase. Many customers report increases year on year, especially after claims or as pets get older, so it’s important to budget for potential changes when renewing your policy.
