Argos Pet Insurance
Argos Insurance fully explained!

Argos Pet Insurance has comprehensive plans that cover your pet throughout it’s life.

Argos Insurance ‘s platinum plan is by year, so that each year the amount you can receive re-news so that you don’t have a lifetime maximum (only a yearly maximum). This is a very good kind of plan to get. The Silver and Gold plans are per condition per year plans so you are only covered for that condition for that year upto the maximum amount.

Argos Pet Insurance also offer four important helplines to answer questions you might have on Pet legalities, Pet Bereavement, Finding your pet and to find a pet Minder.






Prices start from £3.89 for cats, £6.83 for dogs for simplest plan.

Excess vet fee is £65/condition/year, £100 for liability with Argos Pet Insurance.






Agros Insurance ‘s website for pets is very comprehensive and includes a lot of information.

Argos Pet Insurance covers all of the UK and the amount you pay is not affected by where you live!

They can only be contacted by phone at 0800-783-7345 Mon-Fri 8-8, sat9-5, and cannot be contacted by e-mail. When I phoned, I talked with Jane who was quite friendly.

Below you will find comprehensive tables with most of the information that you might need. From approximate pricing (compared with the same information on each page) to what is covered and not covered.

You will also find answers about Argos Pet Insurance for most of your important questions.

If you end up getting pet insurance, please come back to leave a review!

Snapshot Information Chart for Argos Insurance for Pets

PlanMax Vet fees-Accidents , illnessesExcess (per condition)Max age limit to sign onLifetime coverPrice per month
Silver£2500/per condition per 12 months£65** +0, 25, 50, or 100None*noDog -£5.29- 39.42 Cat- £2.30-5.80
Gold£4000/ per condition per 12 months£65** +0, 25, 50, or 100None*noDog -£8.11- 51.52 Cat- £4.16- 7.40
Platinum£7000/yr£65** +0, 25, 50, or 100None*YesDog -£12.79- 77.38 Cat- £7.08- 11.11
*No maximum age limit. Argos pet insurance will insure your pet no matter it’s age (but will not cover death due to illness for dogs over 9, and cats over 11).- minimum age 8 weeks to sign on.

**Excess- £65/condition/year for vet fees, Excess is £100 for liability. You can also choose to have an additional excess of: 25, 50, or 100

Detailed coverage Chart for Argos Pet Insurance

SilverGoldPlatinum
Vet fees Accident, Illnesses£2500/condition / 12 months£4000/condition / 12 months£7000/yr
Routine Care---
Hereditary ConditionsyesYesyes
Hip dysplasiayesYesyes
    
Death (replacement cost of pet)£250£750£1500
Cremation£100£100£100
Euthanasiayesyesyes
    
Boarding (if owner hospitalized)£150£500£1000
Holiday (trip cancellation)£250£1500£3000
Cover Abroad£150 (upto 90 days)£250 unlimited travel time£1000 unlimited travel time
Quarantine costs£150£500£1500
    
Behavioural problemsyesYesyes
Prescription medsYes, but not ongoing past the 12 monthsYes, but not ongoing past the 12 monthsYes, even for ongoing
Dental (not teeth cleaning)Accident onlyAccident onlyAccident only
Alternative treatmentyesYesyes
Breeding, Fertility, Pregnancy---
Medical devices (ex. Wheelchair for dog)yesYesyes
Lost/Stolen pet adds£250£750£1500
Third party liability (dogs only)£1 million£1.5 million£2 million
Accidental Damage-£500£500
Grooming and Bathing---
Pet food, Nutritional supplements, vitamins, natural remedies---

Vet fees- Illness or Accidents are covered.
Routine/Preventative care – is not covered with Argos Insurance.
Hereditary conditions- is covered.
Hip Dysplasia- is covered.
Death-Will cover replacement price of pet from accident or illness (for dogs less than 9yrs, cats less than 11yrs)
Euthanasia - is covered with Argos Insurance.
Cremation - is covered upto £100
Boarding -If you go to hospital for more than 48hrs, boarding is covered.
Holiday cancellation- refund for your trip if you have to cancel a holiday due to pet accident.
Cover abroad- If you travel to EU countries according to PETS travel scheme.
Quarantine Costs- as long as follow PETS travel scheme.
Behavioural problems- if prescribed/ referred by vet.
Prescription Meds- For the silver and gold plans, the prescription meds are covered only for the 12 month period, but for the platinum plan, prescription meds are covered for the whole time of the condition.
Dental- is covered for accidents only.
Alternative treatment- included in vet fee amount.
Breeding, Fertility, Pregnancy- is not covered with Argos Insurance.
Medical devices- are covered.
Lost/Stolen Pet-Advertising to find pet if lost/stolen/strays
Third party liability(dogs only)- 1-2 million is covered.
Accidental Damage- are only covered for gold and platinum plans.
Grooming and Bathing- are not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- are not covered.






Insurance Helplines coverage chart- cost 2p/min from BT land line

SilverGoldPlatinum
Bereavement counsellingIncludedIncludedIncluded
Vet finderIncludedIncludedIncluded
Pet legalIncludedIncludedIncluded
Pet minderIncludedIncludedIncluded

Bereavement counselling- help you deal with death/illness of pet
Vet Finder- (Health care away from home helpline) help you find local vet if away.
Pet legal- help you with legalities related to your pet.
Pet minder- help you find a local pet sitter







Some Common Questions:


Are Congenital disorders and Hereditary conditions covered with Argos Insruance?
Yes they are covered.



Lifetime insurer (will they cover on going conditions throughout pets life) ?
Yes, Argos Insurance is a lifetime insurer with the Platinum plan.



Discounts with Argos Pet Insurance?
Save 5% online (or if phone and give this code: PAW008)Mulitpet discount of 10%



Any vet or specific vets only? After hours vets or in home vets?
Your regular vet and in home vet if it is an emergency.



Can the vet be paid directly with Argos Pet Insurance?
Yes. This is possible, but you must get the bill from the vet and send it to Argos.



If not, How quickly are claims processed with Argos Insurance?
5 business days.



Does Argos Insurance cover examination fee (if it relates to the injury or illness) ?
Yes, the examination fee is covered.



All breeds?
NO

Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)” -These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same. -This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.



Dangerous Dog Act?
Dogs under the dangerous dog act are not covered with Argos Pet Insurance.



Do I stop getting coverage as my dog ages?
No, Argos Pet Insurance plans are for life.



Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
The premium can rise but it can get lower as well – there is no way of saying and the Argos Insurance representative on the phone could not say anything about it.



Does Argos Pet Insurance put the monthly price up every year? By how much?
The premium can rise but it can get lower as well – there is no way of saying and the person on the phone could not not say anything about it.



Does Argos Insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, Argos Insurance serves all of the UK.No, the monthly amount does not depend on where you live. (may be a good plan to go with if you live in an area that has expensive vet fees- ie. Around London).



Waiting period?
The insurance takes effect the day you take it out, there is a 10 day waiting period for Injuries.



Do rates increase with more claims/penalized for filing more claims?
The premium can rise but it can get lower as well – there is no way of saying and the person on the phone could not not say anything about it.



Maximum lifetime claim amount?
With the silver and gold plans there is a condition maximum. With the platinum there is only an annual maximum of 7000 meaning you can claim 7000 each year with no upper limit.



What is the co-pay with Argos Pet Insruance?
There is no co-payment.



Extras included?
None to mention.



Money back guarantee (Trial Period)?
Within first 14 days you can cancel and get all your money back .






What Argos Insurance doesn’t cover - claims that are directly or indirectly related to:• Pets under 8 weeks old.
• Pre-existing conditions (10 days prior to getting policy).
• No coverage for activities that result from: racing, commercial security or breeding.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• Treatment not recommended by a vet.
• If your pet needs to be euthanized due to a court order OR contagious diseases act OR if it is euthanized to protect livestock.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.






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