Dog Insurance

Provided by Pinnacle Insurance plc

At Argos Pet Insurance, we provide dog insurance policies that can help you if your dog unexpectedly needs treatment. Whether you’re searching for pet insurance for your 8 week old puppy or senior dog, take a look at our dog insurance policies to find the policy that is best for you and your dog. With Argos Pet Insurance, you will receive 24/7 veterinary nurse assistance and advice to help you if your dog falls ill.

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Collage image that includes a white dog playing with a toy, a dog owner petting their black dog and a close-up image of a Border Collie dog along with the quote 'make your dog as happy as Larry'

 

Why choose Argos Dog Insurance?

  • Cover for puppies from 8 weeks old
  • We can pay the vet directly so you don’t have to fork out
  • Time Limited and Lifetime policies are available with a range of vet fee limits from £2,000 to £7,000
  • 24/7 medical advice with Argos Vet Assistance

What does our Dog Insurance include?

At Argos Pet Insurance, we know that your dog can get into all sorts of mishaps. That’s why we provide dog insurance policies that could cover your vet bills for various treatments, along with other benefits too. Our dog insurance policies could cover:

  • Veterinary fees including dental cover, complementary treatment and physiotherapy
  • Behavioural illnesses
  • Overseas veterinary treatment
  • 3rd party liability (dogs only)
  • Advertisement and reward if your dog goes missing
  • Theft or straying
  • Emergency boarding kennel fees
  • Other travel cover such as holiday cancellation, quarantine costs or loss of healthcare certificate

If your dog was to sadly pass away from an accident or injury, we can also cover some of the costs, including cremation if you choose

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Lifetime Policy

Whether you have adopted a puppy or you have a life-long four-legged friend in the family, you may be thinking about insurance. With our Lifetime policy, you could benefit from an annually renewed vet fee limit with no exclusions for new conditions.

This policy could cover your dog for veterinary fees, such as non routine dental work and physiotherapy, overseas veterinary treatment, and even payment for advertisement and rewards if your dog goes missing.

Time Limited Policy

Just like us, your dog could get ill or develop a new condition at any time. If your dog was to develop an illness that they have never had before, this could mean that you will need to pay for treatment to get them back to feeling themselves. With a Time Limited policy, new conditions are covered for a 12-month period, or until the vet fee limit has been spent, whichever comes first.

Our Time Limited policy can cover new conditions, as well as helping you if your pet goes missing. You can also benefit from veterinary fees cover and holiday travel cover.

Multi-pet Insurance

Have more than one dog in the household? Then you may be thinking about covering all of your dogs with pet insurance.

With our multi-pet discount, you can cover all of your dogs and receive a minimum of £24 discount, made up of £1 per pet per month. Are you lucky enough to have both cats and dogs in your household? Don’t worry! You can insure multiple cats and dogs and still receive the discount.

Whether you have our Lifetime policy or Time Limited policy, get insurance for another cat or dog and receive a minimum of £24 discount, made up of £1 per pet every month they are insured. T&Cs apply.

 

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What does our Dog Insurance cover?

Time Limited
Lifetime

Cover for 12 months or up to max amount.
Policy Documents

Covers up to max amount each year.
Policy Documents

 

Time Limited

Cover for 12 months or up to max amount.
Policy Documents

Lifetime

Covers up to max amount each year.
Policy Documents

Benefits £2,500 £4,000 £2,000 £4,500 £7,000
Annual
veterinary fees

Including for treatment
overseas if travelling in
accordance with The Pet
Travel Scheme
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Up to £2k
per year
Up to £4.5k
per year
Up to £7k
per year
Argos vet assistance
24/7 phone and online
veterinary advice
         
Argos pet portal          
Death from illness
Death from illness benefit
will be removed when your
pet reaches 8 or 5 if a
restricted breed
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1,500
Death from accident Up to £250 Up to £750 Up to £750 Up to £750 Up to £1,500
Finding your dog Up to £250 Up to £750 Up to £750 Up to £750 Up to £1,000
Loss by theft or straying Up to £250 Up to £750 Up to £750 Up to £750 Up to £1,500
Third party liability and
legal costs
Up to
£2,000,000
Up to
£2,000,000
Up to
£2,000,000
Up to
£2,000,000
Up to
£2,000,000
Cremation & burial
costs
Up to £200 Up to £200 Up to £200 Up to £200 Up to £200
Hospitalisation / kennel
fees
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1,000
Holiday cancellation Up to £250 Up to £1,500 Up to £750 Up to £750 Up to £3,000
Emergency expenses
abroad
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1,000
Excesses payable £99
per condition
£99
per condition
£99
per condition
per year
£99
per condition
per year
£99
per condition
per year

Other Excesses
When your dog reaches 8 years old (for restricted breeds of dog this is 5 years) your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made. Also, you should note that there is a £100 excess for Third Party Liability. Please note these values are subject to change. Please find further information on restricted breeds here.

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

What’s covered and what’s not

Under 8 weeks old…

You can start your Argos Pet Insurance policy from when your puppy is 8 weeks old, right up to their 8th birthday (5th birthday for some restricted breeds). Once you’re signed up you can carry on with the insurance for the rest of your dog’s life. While covered, you must take proper and reasonable care of your pet – and of course, keep on top of those recommended check-ups and vaccinations.

Pre-existing conditions

These refer to any condition or symptom, or anything related to it, that you were aware of or has been noted and/or investigated by a vet before the policy start date. If you do have medical history, tell us and we’ll be honest with you on what we can and can’t cover your pet for. Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your pet’s pre-existing condition remains covered. So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors.

Illness that could be prevented

Whilst we will insure your dog without having had vaccines, if it catches an illness it could have been vaccinated against, we won’t cover your vet costs.

Dangerous dogs

We won’t insure any dog which should be registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991 or any future amendments.

Pets we can’t insure

American Bull Dog, American Indian Dog, American Pit Bull, American Staffordshire Terrier, Bandogs, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasilerio, Gull Dong, Husky Wolf Hybrid, Irish Blue Staffordshire Terrier, Irish Staffordshire Terrier, Saarlooswolfhound, Japanese Tosa, Tosa Inu, Pit Bull Crosses, Pit Bull Terrier, Wolfdog, Wolf Hybrid or any crosses involving these breeds.

Restricted breeds are:

For restricted breeds new cover can only be taken out from 8 weeks old up to their 5th birthday. If they’re insured before the 5th birthday we’ll continue to insure them as long as there isn’t a break in cover.

Beauceron, Bernese Mountain Dog, Bulldog, Bullmastiff, Deerhound, Dogue de Bordeaux, Estrela Mountain Dog, Giant Schnauzer, Great Dane, Irish Wolfhound, Leonberger, Mastiff, Newfoundland, Old English Bulldog, Old English Sheepdog, Poodle (Standard), Pyrenean Mountain Dog, Rhodesian Ridgeback, Rottweiler, Shar Pei, St Bernard, Standard Poodle, Tibetan Mastiff, Utonagan, Neapolitan Mastiff. We also do not cover working dogs i.e. gun dog, farm dog, racing dog, dogs used for emergency rescue purposes, guard dog or any dog used for security purposes.

Dental cover

Your pet is not covered for routine dental work such as cleaning. However your pet will be covered for dental treatment if caused by an illness, provided there is evidence of having had dental check-ups as recommended by your vet and any advice received is followed up within 6 months.

Putting to sleep by government order

We will only cover putting your dog to sleep if it’s for humane reasons or to stop incurable suffering. We will not pay for this if it is by order from any government, local authority or anyone with jurisdiction in the matter.

Treatment outside the EU

We won’t pay out claims for any incident outside the territorial limits of the United Kingdom, Northern Ireland, Isle of Man, Channel Islands, Eire and the Member Countries of the Pet Travel Scheme (non-EU listed countries as defined by DEFRA are excluded).

Death from illness

If your dog is aged 8 or older (5 or older for restricted breeds), we wouldn’t pay out on a claim for death from illness. Please note, this is not the full list of exclusions. Download our policy document for the full list.

A brown Daschund dog laying in its owners bed, under a duvet looking up at the camera

Have more than one dog in the family?

Insure all your dogs with dog insurance and get a minimum of £24 discount, made up of £1 per pet per month. Own a cat too? No problem! You can insure them too and still qualify for the discount. T&Cs apply.

 

24/7 access to Argos Vet Assistance

Protect your pooch with Argos Pet Insurance and you’ll have 24/7 access to Argos Vet Assistance. It brings you access online or over the phone to veterinary nurses who can assist with healthcare concerns or pet related queries for example on nutrition or behaviour anytime of the day or night.

Which means that if you’re not sure whether that cough is serious, or your dog seems a bit under the weather, just call our qualified veterinary nurses or check out the Argos Pet Portal.

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A well-behaved Spaniel puppy sitting down

Top tips to get the best from us

Remember those jabs

Whilst we will insure your dog without having had vaccines, we won’t cover your vet costs for any treatment for an illness that is preventable by vaccination and you failed to vaccinate as recommended by your vet.

Call us before you offer a reward

If your dog goes missing or is stolen we can give you money for a reward up to the value defined in selected cover outlined in the benefits table above.

Keep your receipts

If you bought or made a donation for your dog, keep your receipt in case you need to claim back for the amount your paid. If you don’t have your receipt we may repay the current market value for the breed of your dog.

Think of us when you’re abroad!

If your pet needs veterinary treatment whilst temporarily abroad you must pay the vet whilst you’re there. When you return home, call us immediately and report the claim.

Admin fees

There may be some administration fees included in your vet’s bill, say for filling in a claim form, but we cannot reimburse you for these.

To view full terms and conditions of our cover please ensure to read our policy documents.

A close-up shot of a veterinary professional using scanning equipment during a dogs check up

Want to learn more about caring for your dog?

Our blog covers everything you need to know about caring for your dog. At Argos Pet Insurance, we believe in giving your dog the best life. Whether you have an elderly dog or you have adopted a little puppy, you need to know as much as possible to keep them happy and healthy. So, learn more about your dog’s behaviour, find out which breed is best for you or even learn how to keep your dog happy in the home, all from our expert advice at We Talk Pet.

Learn more about dogs at our We Talk Dog Blog

 

We won’t leave you out of pocket

If your dog needs a trip to the vet, there a different ways you can pay the vet. With our dog insurance, you can pay the vet and then make a claim afterwards so that we can send the money to you. Or, if the vet is happy for us to do so, we can pay them directly so that you’re not out of pocket.

An excess may apply so please check your policy documents for full details.

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Insurance Policy Document
summary

For more information about our dog insurance policies and terms of cover, please download our policy document below.

Download now

Is Dog Insurance worth it?

Wondering if you need to insure your dog? Your dog could get themselves into a mishap at any time, meaning that you may have to pay unexpected vet bills that could cost a lot of money. At Argos Pet Insurance, we want to help you to focus on your dog’s health rather than worrying about paying the vet for their treatment. There are plenty of benefits of insuring dog, find out more by clicking below.

Find out more

 

Our top We Talk Dog posts

Get top tips and fun bits about looking after your dog from our veterinary experts.

Read our top 3 dog posts below to find out how to spot behaviour signals and support your dog’s health.

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What should I do if my dog is attacked by another dog? Let’s face it, animals can be unpredictable creatures at times. As a result, it’s importa...

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How to create the perfect dog-friendly garden With the summer months in full swing, nothing beats relaxing outside with your canine compani...

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Dog at a picnic table

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Terms and Conditions

Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month for each pet. Pets can have different cover levels. Discount deducted separately from any other offer.

Argos Limited is an Appointed Representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Conduct Authority (register number 314050). Registered office: 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW (registered in England and Wales, no 04109436).  HIS act as an introducer to Pinnacle Insurance plc, who sell, administer and underwrite the policy and who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX (registered in England and Wales, no 01007798) . HIS and Pinnacle Insurance plc are not part of the same corporate group.