Is Argos Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Argos
Argos Pet Insurance, adossé à Pinnacle Insurance plc, est un acteur reconnu du marché britannique, proposant trois formules complètes : Lifetime (plafond annuel renouvelé), Maximum Benefit (plafond par condition) et Time Limited (plafond/condition sur 12 mois). Ces offres couvrent non seulement les frais vétérinaires courants, traitements complémentaires et soins dentaires (sous conditions), mais aussi décès, vol, fugue, responsabilité civile (chiens), séjour à l’étranger, crémation, frais de pension d’urgence et annulation de voyage, ce qui place Argos parmi les contrats généralistes les plus complets du segment "familial". La flexibilité des formules permet d’adapter la couverture au profil de l’animal : jeunes animaux dès 8 semaines, chiens et chats de races variées (hors races exclues), avec une attention à apporter sur l’âge plafond à la première souscription (8 ans chiens, 10 ans chats). Argos se distingue de ses principaux concurrents par son rapport garanties/prix, sa gestion entièrement digitalisée (portail et remboursements annoncés en 5 jours ouvrés), la remise multi-animaux et une assistance vétérinaire 24/7. Les taux et plafonds de remboursement dépendent de la formule et du certificat d’assurance ; les franchises fixes ou en pourcentage sont à valider à l’adhésion et peuvent évoluer avec l’âge. L’assureur bénéficie d’une solide réputation de fiabilité : traitement des sinistres rapide, gestion directe avec de nombreux vétérinaires et accompagnement humain salué dans les avis clients. Les principaux retours rapportent une note Trustpilot supérieure à la moyenne des assureurs du marché (plus de 100 avis), ainsi qu’une réactivité dans la gestion client. Ce contrat saura convenir aux propriétaires recherchant une couverture large et un service efficace pour jeunes animaux, animaux de race et pour ceux attachés à la disponibilité et la simplicité digitale, tout en restant attentifs au suivi de l’évolution des primes sur la durée.
- Trois formules offrant différents niveaux de couverture
- Prise en charge des soins dentaires sous conditions
- Assurance possible dès 8 semaines (chiens et chats)
- Assistance vétérinaire 24/7 incluse
- Remboursements rapides annoncés sous 5 jours
- Portail digital pour gestion et suivi des dossiers
- Remise multi-animaux automatique dès le deuxième assuré
- Hausse marquée des primes avec l’âge ou sinistres
- Nombreuses exclusions sur conditions préexistantes
- Certaines races interdites ou exclues à la souscription
- Plafonds et franchise variables, parfois peu lisibles
- Soins préventifs et vaccins non couverts
- Argos Warranties
- Argos Exclusions
- Argos prices
- Estimated monthly premium by plan and animal profile (GBP/month)
- Argos Assistance
- Customer feedback on Argos
- How to contact Argos?
- FAQ
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Argos Warranties
Argos Pet Insurance provides three main formulas for cats and dogs: Lifetime, Maximum Benefit, and Time Limited, each offering broad medical cover including dental, complementary therapies, hospitalisation costs, travel (PETS scheme), and death/cremation, with legal liability for dogs. The Lifetime plan stands out for continual annual reimbursement per condition, relevant for owners seeking maximum long-term protection; Maximum Benefit applies a per-condition cap with no renewal, while Time Limited restricts payouts to 12 months per condition. Deductibles (fixed and/or percentage, e.g. £99 and/or 20%) and reimbursement limits are detailed in the policy and may increase with age, but veterinary support is available 24/7 and claims are paid rapidly. Argos excels with its comprehensive loss/theft, emergency kennel, and overseas care, as well as multi-pet discounts, though lacks a built-in preventive care reimbursement and excludes pre-existing conditions, some routine/preventive acts, select breeds, and working pets. Of note, certain age and breed restrictions apply at entry (dogs up to 8/5 years, cats to 10), and exclusions for pre-existing/early-onset disease and non-medically necessary actions are stringent.
| Guarantee name | Lifetime Cover | Maximum Benefit | Time Limited |
|---|---|---|---|
| Plan positioning | Best long-term, renewed annual medical ceiling | Cap per condition, not renewed, mid-range pricing | 12-month per condition cap, entry-level pricing |
| Type of cover | Accident & illness, new conditions | Accident & illness, new conditions | Accident & illness, new conditions |
| Animals covered | Cats and dogs (entry age limits); not for rabbits | Cats and dogs (entry age limits); not for rabbits | Cats and dogs (entry age limits); not for rabbits |
| Reimbursement rate (%) | As stated in policy (details not public, typically 80-90%) | As stated in policy (details not public, typically 80-90%) | As stated in policy (details not public, typically 80-90%) |
| Annual reimbursement ceiling (vet fees) | Fixed annual cap per policy, renewed each year | Max amount per condition, valid lifetime of pet, not renewed | Max amount per condition, max 12 months payment from first treatment |
| Excess per year/per claim | Fixed amount and/or % per claim (e.g. £99/20%), see certificate | Fixed amount and/or % per claim (e.g. £99/20%), see certificate | Fixed amount and/or % per claim (e.g. £99/20%), see certificate |
| Minimum and maximum age to join (cats / dogs) | Cats: 8 weeks–10 years; Dogs: 8 weeks–8 yrs (5 yrs for some breeds) | Cats: 8 weeks–10 years; Dogs: 8 weeks–8 yrs (5 yrs for some breeds) | Cats: 8 weeks–10 years; Dogs: 8 weeks–8 yrs (5 yrs for some breeds) |
| Preliminary health questionnaire? | Not mentioned (NC), likely not routine except for breed/declaration | Not mentioned (NC), likely not routine except for breed/declaration | Not mentioned (NC), likely not routine except for breed/declaration |
| Waiting period for illness | 14 days from policy start unless continuous from another insurer | 14 days from policy start unless continuous from another insurer | 14 days from policy start unless continuous from another insurer |
| Waiting period for accident | 3 days from policy start unless continuous from another insurer | 3 days from policy start unless continuous from another insurer | 3 days from policy start unless continuous from another insurer |
| Lifetime cover guarantee once insured | Yes, as long as premiums paid and policy not cancelled | Yes, as long as premiums paid and policy not cancelled | Yes, as long as premiums paid and policy not cancelled |
| Vet visits (standard, emergency, specialist) | Covered within annual or per-condition ceiling, incl. all types | Covered within per-condition max, all types | Covered during 12 months, per-condition; types as medically necessary |
| Medication | Covered as prescribed after deduction/exclusions | Covered as prescribed after deduction/exclusions | Covered as prescribed after deduction/exclusions |
| Hospitalisation | Covered up to policy limits | Covered up to policy limits | Covered up to policy limits |
| Ambulance fees | Covered (if medically necessary, not for non-urgent transfer) | Covered (if medically necessary, not for non-urgent transfer) | Covered (if medically necessary, not for non-urgent transfer) |
| Surgery, anaesthesia | Covered within ceiling, subject to exclusions | Covered within ceiling, subject to exclusions | Covered within ceiling, subject to exclusions |
| Scans, MRI, ultrasounds | Covered within policy limits | Covered within policy limits | Covered within policy limits |
| Laboratory analysis | Covered within policy limits | Covered within policy limits | Covered within policy limits |
| Radiotherapy | Covered if medically required, within policy limits | Covered if medically required, within policy limits | Covered if medically required, within policy limits |
| Dental care | Illness/accident-related dental covered, subject to annual vet check evidence | Illness/accident-related dental covered, subject to annual vet check evidence | Illness/accident-related dental covered, subject to annual vet check evidence |
| Scaling and polishing | Not covered, except if accident/medical indication | Not covered, except if accident/medical indication | Not covered, except if accident/medical indication |
| Preventive benefit package (amount and what is included) | Not included | Not included | Not included |
| Alternative therapies (physio, acupuncture, etc.) | Covered on vet prescription, within policy limits | Covered on vet prescription, within policy limits | Covered on vet prescription, within policy limits |
| Prescription diet food | 25% refunded if prescribed (except for obesity/weight loss), max 6 months per condition | 25% refunded if prescribed (except for obesity/weight loss), max 6 months per condition | 25% refunded if prescribed (except for obesity/weight loss), max 6 months per condition |
| Covered countries/travel | PETS scheme countries, up to 90 days/year, strict documentation needed | PETS scheme countries, up to 90 days/year, strict documentation needed | PETS scheme countries, up to 90 days/year, strict documentation needed |
| Death/cremation | Death due to illness/accident: reimbursed purchase price + up to £200 for cremation | Death due to illness/accident: reimbursed purchase price + up to £200 for cremation | Death due to illness/accident: reimbursed purchase price + up to £200 for cremation |
| Euthanasia | Covered if medically recommended by vet | Covered if medically recommended by vet | Covered if medically recommended by vet |
| Theft/loss and search costs | Ads, rewards, search covered; reimbursement if not found (terms apply, max 14 days after joining) | Ads, rewards, search covered; reimbursement if not found (terms apply, max 14 days after joining) | Ads, rewards, search covered; reimbursement if not found (terms apply, max 14 days after joining) |
| Care costs (kennel/cattery if owner hospitalised) | Boarding fees or £15/day allowance (min. 48-hr hospital of owner/family) | Boarding fees or £15/day allowance (min. 48-hr hospital of owner/family) | Boarding fees or £15/day allowance (min. 48-hr hospital of owner/family) |
| Third-party liability (dogs) | Included, up to annual ceiling; UK only; multiple exclusions, see policy | Included, up to annual ceiling; UK only; multiple exclusions, see policy | Included, up to annual ceiling; UK only; multiple exclusions, see policy |
NC: Not known where not specified; see policy for precise numbers on all ceilings, reimbursement rates & exclusions.
Good to know
- The actual reimbursement rate and annual/per-condition ceilings are set in the policy certificate and vary by animal/option chosen.
- Premiums can rise with pet's age or claims; excesses may increase from a certain pet age after advance notice.
- Responsibility for routine/preventive care (e.g. vaccines, neutering, grooming, worm/flea products) is excluded from all formulas.
- Claims for pre-existing conditions, events during wait periods, hereditary/congenital diseases not covered.
- Some breeds are not eligible; cover applies only if you are resident in the UK and the animal is microchipped (for dogs).
- Loss/theft search cover and boarding fees are subject to declaration within specified timeframes and proper evidence.
Argos Exclusions
Argos Pet Insurance applies classic pre-existing conditions and waiting period exclusions, but stands out for its systematic exclusion of any loss or theft claim for a dog not identified by microchip and for incidents occurring within the first 14 days of cover (unless immediate continuity is proven from another insurer). All expenses arising from professional, sporting or working use of the animal, as well as those related to banned breeds or when legal/advisory requirements like vaccinations are not met, are strictly excluded. Medical acts judged excessive/non-essential, costs linked to grooming or elective surgery, and any care without veterinary invoice are not reimbursed. Notably, any veterinary care for fights between pets of the same household, as well as any treatment, pension, or death cover involving animals over the age cap at first enrollment, are categorically refused. Foreign cover is strictly limited to 90 days annually in PETS-listed countries, and no claims are accepted for events or symptoms known prior to policy start, even if not formally diagnosed.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions or symptoms prior to policy start - Medical conditions appearing within 14 days (illness) or 3 days (accident/poisoning) unless seamless transfer from another insurer - Preventive, aesthetic, or non-essential procedures (vaccines, neutering, non-accident dentals, claw clipping, etc.) - Reproductive complications, removal of milk teeth or cryptorchidism beyond 16 weeks - Dietary needs except for limited prescribed diets (excludes obesity/weight loss), food supplements, and parasite management unless treating dermatitis - Prostheses (other than joint), grafts - No reimbursement for non-itemised bills or unapproved/over-priced treatments after assessment - No reimbursement for treatments after in-house animal fights - Age exclusions: care, death or cremation for animals above age cap at enrollment |
| Geographical Exclusions | - Veterinary care abroad strictly limited to PETS countries, up to 90 days/year - No cover outside the UK/IOM/Channel Islands for liability, or outside PETS for healthcare - No cover for any claim/event known before travel - No costs relating to pet travel scheme compliance, or for lost documentation without police report |
| Identification/Ownership Exclusions | - No compensation for theft/loss of dog if not microchipped - Animal not formally reported lost immediately (vet/authorities) - Reward paid to family or household not covered - Claims for damages to property under policyholder/household responsibility excluded |
| Professional/Behavioral Exclusions | - No cover if animal is used for work purposes (guarding, sporting, farming, breeding, racing, etc.) - No cover for banned or designated dangerous breeds - No cover for damages or incidents caused by undeclared history of aggression - Exclusion if legal requirements, including vaccination, are not up to date - Liability cover excludes incidents on business premises, with family/household members, or under another insurance |
| Administrative and Legal Exclusions | - No payout for vet/admin fees (form completion, etc.) - No payment if claim relates to fraud, false statement, or outside permitted age/territory - No claims for events due to war, riot, terrorism, nuclear/contamination, or similar force majeure - No duplicate coverage if another insurance applies (e.g., travel insurance) |
- Medical conditions appearing within 14 days (illness) or 3 days (accident/poisoning) unless seamless transfer from another insurer
- Preventive, aesthetic, or non-essential procedures (vaccines, neutering, non-accident dentals, claw clipping, etc.)
- Reproductive complications, removal of milk teeth or cryptorchidism beyond 16 weeks
- Dietary needs except for limited prescribed diets (excludes obesity/weight loss), food supplements, and parasite management unless treating dermatitis
- Prostheses (other than joint), grafts
- No reimbursement for non-itemised bills or unapproved/over-priced treatments after assessment
- No reimbursement for treatments after in-house animal fights
- Age exclusions: care, death or cremation for animals above age cap at enrollment
- No cover outside the UK/IOM/Channel Islands for liability, or outside PETS for healthcare
- No cover for any claim/event known before travel
- No costs relating to pet travel scheme compliance, or for lost documentation without police report
- Animal not formally reported lost immediately (vet/authorities)
- Reward paid to family or household not covered
- Claims for damages to property under policyholder/household responsibility excluded
- No cover for banned or designated dangerous breeds
- No cover for damages or incidents caused by undeclared history of aggression
- Exclusion if legal requirements, including vaccination, are not up to date
- Liability cover excludes incidents on business premises, with family/household members, or under another insurance
- No payment if claim relates to fraud, false statement, or outside permitted age/territory
- No claims for events due to war, riot, terrorism, nuclear/contamination, or similar force majeure
- No duplicate coverage if another insurance applies (e.g., travel insurance)
Argos prices
Overall, Argos Pet Insurance is positioned at a median level on the UK pet insurance market, balancing broad cover with moderate pricing. While the Lifetime Cover formula offers annual cover renewals, dental, complementary, and overseas care included, limits and excesses remain standard compared to more premium players. Argos stands out with its highly digitalised user experience: its intuitive online portal, quick quote, and fast claim handling (often within a week) enable competitive pricing thanks to lower administrative costs than traditional brands. However, reviews highlight noticeable price rises as pets age or after major health claims—an industry-wide dynamic but to be monitored. In summary, Argos offers robust, well-rounded cover that fits most needs, at rates that are rarely the lowest but generally represent good value for digital-first service in the UK.
Estimated monthly premium by plan and animal profile (GBP/month)
| Time Limited | Maximum Benefit | Lifetime Cover | |
|---|---|---|---|
| Young cat (2–4 yrs) | £10–£13 | £16–£20 | £18–£24 |
| Senior cat (7–8 yrs) | £16–£20 | £25–£32 | £31–£40 |
| Small dog (2–4 yrs) | £13–£17 | £20–£26 | £27–£36 |
| Large dog (2–4 yrs) | £19–£24 | £35–£46 | £42–£55 |
| Senior dog (7–8 yrs) | £28–£35 | £45–£58 | £58–£75 |
Compare quotes to make sure you’re getting the most suitable cover at the lowest price for your pet’s profile.
👉 Compare pet insurance plans for freeStart saving on vet billsArgos promo codes
| Argos Promo Codes | Details |
|---|---|
| Multi-pet discount | £1 off per pet per month (minimum £24/year) when insuring more than one animal. |
| HelloSafe promo code | -5% on your quote |
Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Argos?
| Treatment type | Average cost (GB£) | Lifetime Cover (Best cover, up to annual limit, typically 80% reimbursement*) |
|---|---|---|
| Neutering / Spaying | £200 | Not covered Reste à charge: £200 |
| Annual vaccinations | £65 | Not covered Reste à charge: £65 |
| Consultation & fever | £50 | Reimbursed £40* Reste à charge: £10 (excl. excess) |
| Tooth extraction (dental surgery) | £420 | Reimbursed £336* Reste à charge: £84 (excl. excess) |
| Gastroenteritis & medication | £350 | Reimbursed £280* Reste à charge: £70 (excl. excess) |
(Best cover, up to annual limit, typically 80% reimbursement*)
Reste à charge: £200
(Best cover, up to annual limit, typically 80% reimbursement*)
Reste à charge: £65
(Best cover, up to annual limit, typically 80% reimbursement*)
Reste à charge: £10 (excl. excess)
(dental surgery)
(Best cover, up to annual limit, typically 80% reimbursement*)
Reste à charge: £84 (excl. excess)
(Best cover, up to annual limit, typically 80% reimbursement*)
Reste à charge: £70 (excl. excess)
*Assumed standard Argos rate: up to 80% reimbursement of eligible vet bills, excluding any excess. Please check your certificate for exact rates and annual limits.
Vaccinations and neutering are excluded from cover, as per contract terms.
"Reste à charge" means the amount you pay after reimbursement, before any policy excess is applied.
Argos Assistance
Argos offers a robust assistance provision for UK pet owners, notably including 24/7 telephone, live chat, and video access to veterinary nurses for health, behaviour, and nutrition queries. The Argos Pet Portal gives policyholders full online management of claims and contracts, with digital reimbursement claims processed in as little as five working days, and client reviews highlight the process as simple and quick. There is no advance of fees service (such as Payvet/Carecredit), meaning owners must pay their vet directly before claiming reimbursement, which can be a constraint in high-cost or emergency situations. The lack of a dedicated network of partner clinics is another limitation, as is the absence of dedicated in-app emergency teleconsultation with a vet (though telephone support is available). Geographical coverage is strong within the UK and PETS countries for up to 90 days per year, but assistance is not extended beyond those zones or for long stays.
| Assistance Argos | Disponible ? | Détails |
|---|---|---|
| Advance of fees | ❌ | No advance payment service: animal owners pay the vet initially and claim reimbursement afterwards. No Payvet, Petcard, or Carecredit-like solution. |
| Facilitated payment options | ❌ | No mention of payment in instalments or 3x without fees in Argos documentation. Premiums are monthly or annually as per contract, with no advertised flexibility. |
| Mobile application | ❌ | No dedicated mobile app is mentioned; all management is via the Argos Pet Portal online. No UX/app reviews or ratings available. |
| Fully digital claim management | ✅ | All claims can be managed and tracked online through the Argos Pet Portal, with documents and certificates uploadable. Turnaround under 5 working days in most cases (according to official figures and client feedback). |
| Veterinary emergency assistance | ✅ | 24/7 veterinary assistance via phone, live chat, and video; nurse-led service but not an urgent teleconsultation with a vet or emergency home visit. No direct coordination with clinics in case of urgent need. |
| Network of partner clinics/vets | ❌ | No proprietary or affiliated clinical network. The owner chooses the vet freely, but no benefits/discounts or care pathway through partner clinics. |
| Overseas coverage | ✅ | Veterinary care covered abroad in PETS scheme countries for up to 90 days/year with additional repatriation, search, and emergency expenses. Not available outside PETS area and limited to short trips, not permanent relocation. |
Customer feedback on Argos
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | Rating not specified, more than 100 reviews (exact number not available); high popularity and review volume evidenced. |
We have analysed the reviews from the site mentioned above. In terms of positive elements, Argos policyholders frequently mention:
- An efficient and supportive customer service: a helpful and human approach during times of illness or bereavement is regularly highlighted, including gestures such as condolence cards.
- Fast and straightforward claims processing: online claim submission is easy, and reimbursements are usually received within a few days, often directly to the vet.
- Clear and transparent information: communication during claims handling is good, and many owners appreciate the clarity of coverage.
- A practical and user-friendly digital experience: the online portal and app are noted for their simplicity, making policy management and claim tracking effortless.
- Comprehensive cover options: the inclusion of dental cover for health reasons and 24/7 veterinary advice are cited as advantages compared to other insurers.
- Flexible policy structure: the ability to change from one cover type to another depending on individual needs is found useful.
- Good perceived value when joining online, especially with multiple pets.
In terms of negative points:
- A significant increase in premiums over time: policyholders often experience notable rises in yearly costs, particularly as pets age or develop chronic conditions, with some reporting premiums doubling in a year.
- Claims refusals in specific cases: occasional denials occur, especially if a claim is associated with a suspected pre-existing or unrelated health condition, leading to frustration and appeals to the financial ombudsman.
- Insufficient coverage limits for some: some owners regret not choosing a higher level of cover at the outset and recommend careful selection based on their pet’s needs.
- Administrative issues: limited complaints are made about difficulties accessing documents online, though phone support is described as effective.
- Trustpilot reliability note: the review platform flags that review invitations may not always align with its guidelines, so potential bias should be considered.
How to contact Argos?
| Service client Argos | Details |
|---|---|
| To get a quote or buy online | You can use the HelloSafe best pet insurance comparison tool, choose the policy that fits your needs, and click to get a quote. Or go to Argos’ official portal: https://argospetinsurance.co.uk/portal |
| To request and track a reimbursement | Submit and monitor your claim online via the Argos Pet Portal: https://argospetinsurance.co.uk/portal Or call Argos at 0344 543 1053 Documents to provide: detailed invoice from the vet, completed claim form (may be available online), proof of payment, and any additional documents requested for specific cases. Typical reimbursement time: Argos aims to process claims within 5 working days (after receiving all required documentation). Payment is usually made directly to your bank account. |
| To obtain an insurance certificate | Download your insurance certificate in your personal space via the portal: https://argospetinsurance.co.uk/portal Or contact Argos by phone at 0344 543 1053 to request a certificate to be sent by post or email. |
| To contact assistance | For 24/7 veterinary advice, reach the Argos Vet Assistance helpline: 0303 334 0795 You can also use the online chat, video consultation, or FAQs via the portal: https://argospetinsurance.co.uk/portal |
| To cancel my contract | You can cancel anytime by phone at 0344 543 1053 or by writing to: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX If cancelling within 14 days: Right to full refund if no claim has been paid. If cancelling after 14 days: Your refund will depend on usage/claims and payment frequency. Argos calculates any repayment taking claims made and payments received into account. Documents to include if needed: written cancellation request; policy number; bank details for any potential refund. Notice period: Cancellation is effective immediately upon Argos receiving your request (unless another date is agreed). |
Or go to Argos’ official portal: https://argospetinsurance.co.uk/portal
Or call Argos at 0344 543 1053
Documents to provide: detailed invoice from the vet, completed claim form (may be available online), proof of payment, and any additional documents requested for specific cases.
Typical reimbursement time: Argos aims to process claims within 5 working days (after receiving all required documentation). Payment is usually made directly to your bank account.
Or contact Argos by phone at 0344 543 1053 to request a certificate to be sent by post or email.
You can also use the online chat, video consultation, or FAQs via the portal: https://argospetinsurance.co.uk/portal
Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX
If cancelling within 14 days: Right to full refund if no claim has been paid.
If cancelling after 14 days: Your refund will depend on usage/claims and payment frequency. Argos calculates any repayment taking claims made and payments received into account.
Documents to include if needed: written cancellation request; policy number; bank details for any potential refund.
Notice period: Cancellation is effective immediately upon Argos receiving your request (unless another date is agreed).
FAQ
Do I need to pay veterinary fees up front with Argos?
With Argos Pet Insurance, you generally pay your vet directly and then claim back the covered costs via their online portal or by post. Argos does not currently offer a pay-direct or third-party payment system (like PayVet), so advancing the vet fees is usually required. Claims are processed quickly, with most reimbursements completed within five working days after approval.
How do I cancel my Argos pet insurance policy?
To cancel your Argos pet insurance, contact them by phone or via the online portal. Allow a notice period (usually immediate for cancellation within 14 days, or at renewal for yearly contracts). You may need to provide your policy details and confirm your request in writing—no extra documents are usually needed unless otherwise requested.
Which animals and breeds are eligible for Argos pet insurance?
Argos offers cover for cats, dogs, and rabbits, but the full range of policy options is only available for cats and dogs. Dogs must be under 8 years old at first enrolment (some breeds under 5), and cats under 10 years old. Exclusions apply for banned dog breeds and animals used for working or professional purposes.
What does Argos pet insurance cover and exclude?
Argos covers vet fees due to illness and accidents (including dental care, prescription diets, and treatment abroad in PETS countries), with variations according to the selected policy type. Pre-existing conditions, routine procedures like vaccinations, preventive care, and non-urgent treatments are not covered. Always check your individual policy for precise limits and exclusions.
Can I get multi-pet discounts or manage my policies easily?
Yes, Argos offers a multi-pet discount of at least £24 per year for additional animals on your policy. All your insurance can be managed online using the Argos Pet Portal, which allows you to track claims, update details, and access policy documents online for convenience.
Do I need to pay veterinary fees up front with Argos?
With Argos Pet Insurance, you generally pay your vet directly and then claim back the covered costs via their online portal or by post. Argos does not currently offer a pay-direct or third-party payment system (like PayVet), so advancing the vet fees is usually required. Claims are processed quickly, with most reimbursements completed within five working days after approval.
How do I cancel my Argos pet insurance policy?
To cancel your Argos pet insurance, contact them by phone or via the online portal. Allow a notice period (usually immediate for cancellation within 14 days, or at renewal for yearly contracts). You may need to provide your policy details and confirm your request in writing—no extra documents are usually needed unless otherwise requested.
Which animals and breeds are eligible for Argos pet insurance?
Argos offers cover for cats, dogs, and rabbits, but the full range of policy options is only available for cats and dogs. Dogs must be under 8 years old at first enrolment (some breeds under 5), and cats under 10 years old. Exclusions apply for banned dog breeds and animals used for working or professional purposes.
What does Argos pet insurance cover and exclude?
Argos covers vet fees due to illness and accidents (including dental care, prescription diets, and treatment abroad in PETS countries), with variations according to the selected policy type. Pre-existing conditions, routine procedures like vaccinations, preventive care, and non-urgent treatments are not covered. Always check your individual policy for precise limits and exclusions.
Can I get multi-pet discounts or manage my policies easily?
Yes, Argos offers a multi-pet discount of at least £24 per year for additional animals on your policy. All your insurance can be managed online using the Argos Pet Portal, which allows you to track claims, update details, and access policy documents online for convenience.
