DOG INSURANCE

MAKE YOUR DOG AS HAPPY AS LARRY

When your dog’s ill, injured or just not up to their usual antics, we know your
whole family suffers too. That’s why at Argos Dog Insurance, we do everything we
can to get your dog back to happy.

From walkies to playtime, your dog relies on you, so we’ve made sure you can rely
on us. Not only could we pick up unexpected vet bills, we also give you veterinary advice and top tips
from our furry experts!

  • Low fixed excess
  • Pay monthly at no extra cost
  • Puppy insurance from 8 weeks old#
  • Insurance for older dogs up to any age#
  • 24/7 medical advice from Argos vetfone
  • Partnered with one of the UK’s
    leading dog insurance companies - RSA
dog-standing
Silver

Cover type

12 MONTH

Vet fee excess

£65

You can choose to pay a voluntary excess of £25, £50 or £100 in addition to the £65 fixed excess. This could cut the cost of your insurance premium.

Download policy summary

Vet fees#

£2,500

Treatment period

12 months

3rd party liability

£1 million

We can cover the damages and costs if your dog kills or injures someone or damages their property. This is subject to a £100 excess fee

Download policy summary

Accidental damage

Not covered

Theft or straying

£250

If after advertising, your dog is still lost or stolen after 45 days we’ll give you money towards the cost of a new dog

Download policy summary

Death from accident

£250

Death from illness#

£250

We’ll pay to have your dog put to sleep by a vet

Download policy summary

Hydrotherapy session

5 for each condition

Food

Not covered

When special food is recommended by the vet to treat a condition, you’re covered for food for a set number of weeks

Download policy summary

Cremation fees

£100

Advertising & reward

£250

Kennels

£150

We’ll pay for your dog to go into kennels if you go into hospital for 4 or more days in a row, or you can’t stay at home because it’s uninhabitable

Download policy summary

Holiday cancellation

£250

We’ll pick up the costs if you have to cancel or cut short your holiday because your dog needs life-saving treatment

Download policy summary

Gold

Cover type

12 MONTH

Vet fee excess

£65

You can choose to pay a voluntary excess of £25, £50 or £100 in addition to the £65 fixed excess. This could cut the cost of your insurance premium.

Download policy summary

Vet fees#

£4,000

Treatment period

12 months

3rd party liability

£1.5 million

We can cover the damages and costs if your dog kills or injures someone or damages their property. This is subject to a £100 excess fee

Download policy summary

Accidental damage

£500

This is subject to a £100 excess fee

Download policy summary

Theft or straying

£750

If after advertising, your dog is still lost or stolen after 45 days we’ll give you money towards the cost of a new dog

Download policy summary

Death from accident

£750

Death from illness#

£750

We’ll pay to have your dog put to sleep by a vet

Download policy summary

Hydrotherapy session

5 for each condition

Food

Not covered

When special food is recommended by the vet to treat a condition, you’re covered for food for a set number of weeks

Download policy summary

Cremation fees

£100

Advertising & reward

£750

Kennels

£500

We’ll pay for your dog to go into kennels if you go into hospital for 4 or more days in a row, or you can’t stay at home because it’s uninhabitable

Download policy summary

Holiday cancellation

£1,500

We’ll pick up the costs if you have to cancel or cut short your holiday because your dog needs life-saving treatment

Download policy summary

Platinum

From £12.92a month

Cover type

LIFETIME

Vet fee excess

£65

You can choose to pay a voluntary excess of £25, £50 or £100 in addition to the £65 fixed excess. This could cut the cost of your insurance premium.

Download policy summary

Vet fees#

£7,000

Treatment period

Per year

3rd party liability

£2 million

We can cover the damages and costs if your dog kills or injures someone or damages their property. This is subject to a £100 excess fee

Download policy summary

Accidental damage

£500

This is subject to a £100 excess fee

Download policy summary

Theft or straying

£1,500

If after advertising, your dog is still lost or stolen after 45 days we’ll give you money towards the cost of a new dog

Download policy summary

Death from accident

£1,500

Death from illness#

£1,500

We’ll pay to have your dog put to sleep by a vet

Download policy summary

Hydrotherapy session

10 in each period of insurance

Food

4 weeks

Cover includes the cost of diet food prescribed by a vet for your pet for a maximum period of 4 weeks.

Download policy summary

Cremation fees

£100

Advertising & reward

£1,000

Kennels

£1,000

We’ll pay for your dog to go into kennels if you go into hospital for 4 or more days in a row, or you can’t stay at home because it’s uninhabitable

Download policy summary

Holiday cancellation

£3,000

We’ll pick up the costs if you have to cancel or cut short your holiday because your dog needs life-saving treatment

Download policy summary

Travel cover levelsTo countries who are members of the PETS Travel Scheme

Quarantine costs

£150

Loss of healthcare certificate

£250

Tick & worming treatment

£150

Emergency expenses abroad

£150

If your dog need emergency vet treatment or is lost or stolen whilst you’re abroad we will pay for your accommodation and transport costs

Download policy summary

Quarantine costs

£500

Loss of healthcare certificate

£250

Tick & worming treatment

£250

Emergency expenses abroad

£250

If your dog need emergency vet treatment or is lost or stolen whilst you’re abroad we will pay for your accommodation and transport costs

Download policy summary

Quarantine costs

£1,500

Loss of healthcare certificate

£250

Tick & worming treatment

£1,000

Emergency expenses abroad

£1,000

If your dog need emergency vet treatment or is lost or stolen whilst you’re abroad we will pay for your accommodation and transport costs

Download policy summary

Silver

From £7.00 a month
Download policy document

Gold

From £8.41 a month
Download policy document

Platinum

From £12.92 a month
Download policy document

Cover type

12 MONTH

Vet fee excess

£65

Vet fees#

£2,500

Treatment period

12 months

3rd party liability

£1 million

Accidental damage

Not covered

Theft or straying

£250

Death from accident

£250

Death from illness#

£250

Hydrotherapy session

5 for each condition

Food

Not covered

Cremation fees

£100

Advertising & reward

£250

Kennels

£150

Holiday cancellation

£250

Travel cover levelsTo countries who are members of the PETS Travel Scheme

Quarantine costs

£150

Loss of healthcare certificate

£250

Tick & worming treatment

£150

Emergency expenses abroad

£150

Cover type

12 MONTH

Vet fee excess

£65

Vet fees#

£4,000

Treatment period

12 months

3rd party liability

£1.5 million

Accidental damage

£500

Theft or straying

£750

Death from accident

£750

Death from illness#

£750

Hydrotherapy session

5 for each condition

Food

Not covered

Cremation fees

£100

Advertising & reward

£750

Kennels

£500

Holiday cancellation

£1,500

Travel cover levelsTo countries who are members of the PETS Travel Scheme

Quarantine costs

£500

Loss of healthcare certificate

£250

Tick & worming treatment

£250

Emergency expenses abroad

£250

Cover type

LIFETIME

Vet fee excess

£65

Vet fees#

£7,000

Treatment period

Per year

3rd party liability

£2 million

Accidental damage

£500

Theft or straying

£1,500

Death from accident

£1,500

Death from illness#

£1,500

Hydrotherapy session

10 in each period of insurance

Food

4 weeks

Cremation fees

£100

Advertising & reward

£1,000

Kennels

£1,000

Holiday cancellation

£3,000

Travel cover levelsTo countries who are members of the PETS Travel Scheme

Quarantine costs

£1,500

Loss of healthcare certificate

£250

Tick & worming treatment

£1,000

Emergency expenses abroad

£1,000

Or make a claim

#Any changes in your pet’s health or behaviour, or any illness that you or your vet notice within the first 10 days of the policy start date are not covered. Any death or injury your pet may suffer as a result of an accident within the first 48 hours of the policy will not be covered. Death from illness does not apply to dogs aged 9 or older.
Based on 10% new Argos Pet Insurance customers.

BE IN THE KNOW ABOUT WHAT’S NOT COVERED

Please note, this is not the full list of exclusions. Download our policy document for the full list.

*Under 8 weeks old
We don’t insure pets that are less than 8 weeks old at the cover start date.

Health changes before the start date
We can’t cover any changes that you or your vet notice in your pet’s health or behaviour before the policy starts, or any illness or injury that develops from these changes.

Illness that could be prevented
We won’t pay for treatment for vaccinable illnesses if your pet is not vaccinated.

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.

Dental cover
Your pet is not covered for routine dental work such as cleaning or gum disease. But, if your dog needs dental treatment after an accident, we can help you with that.

Pets we can’t insure
We won’t insure any pet that is trained to attack, used for commercial guard or security purposes, or for any form of racing, commercial breeding or monetary gain.

Injuries 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 PETS Travel Scheme (non EU listed countries as defined by DEFRA are excluded).

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.

Death from illness
If your dog is aged nine or older, we wouldn’t pay out on a claim for death from illness.

10% MULTI-PET DISCOUNT*

PUT ALL YOUR PETS IN ONE BASKET 

puppy-basket

If your family isn’t complete without a pack of pugs or a crowd of collies, our
our multi-pet insurance keeps things simple and saves you money.

  • Call us to choose different cover levels for each pet - Silver, Gold or Platinum
  • One policy means less paperwork
  • 10% discount for every additional pet you insure with us, every time you renew
  • You can protect up to 10 dogs on one policy

Insure up to 3 pets

Want to insure more than 3 pets? Just call 0800 107 1077

*For new customers covering 2 or more pets under the same policy, a discount of 10% is given off the price for each pet.

TOP TIPS TO GET THE BEST FROM US

REMEMBER THOSE JABS
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.

CALL US BEFORE YOU OFFER A REWARD
If your dog goes missing or is stolen we can give you money for a reward – but you must call us first to confirm how much of a reward you can offer.

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.

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.

dalmation

FAQ

What other owners are asking

What is a pre-existing condition?

Like many insurers, we cannot cover your pet against pre-existing conditions. This means that if before this policy starts your pet is already ill, injured or showing signs of illness, injury or being unwell or has been this way before, you will not be able to make any claim under your policy for anything that is connected in any way to the pet’s medical history.

Also, your pet will not be covered for any illness in the first 10 days or any accident in the first 48 hours of your policy starting.

Is dental work covered (i.e. teeth cleaning, extraction)?

Your policy only covers your pet for dental treatment that is the result of an accident e.g. extracting a damaged tooth or reconstructive work. We cannot reimburse you for routine dental work such as tooth cleaning or for the treatment of periodontal disease (gum disease).

What are the excess fees?

You will pay a veterinary excess of £65 for each separate incident. If you have Silver or Gold cover, you will pay this excess once for each incident. If you have Platinum cover, you will pay this excess once for each incident in each period of insurance that you make a claim.

When you’re taking out your policy you can choose to pay an extra voluntary excess of £25, £50 or £100, in addition to the £65 veterinary fee excess. By choosing to pay a voluntary excess you could cut the cost of your insurance premium.

When you make a claim for 3rd party liability (dogs only) or accidental damage, your excess is £100.

Do I have to pay the vet and you reimburse me?

There are two ways to pay the vet. Either you can pay the vet and then make a claim so we send the money to you. Or, if the vet is happy for us to, we can pay them directly so that you’re not out of pocket at any point.

Do I get a discount if I insure more than one pet with you?

Yes! If you have more than one pet – whether it’s two cats, four dogs or a family of cats and dogs – you’ll get our 10% multi-pet discount off your premium for every extra pet you insure with us (so you pay full price for the first pet, then get 10% off each pet after that).

You can protect a maximum of 10 pets on a single policy. If you had 12 pets we would put 10 on one policy and two on the other. (This wouldn’t affect your discount – you would pay full price for the first pet, then get 10% off the remaining 11 pets).

HELP WHEN THEY’RE PAW-LY

24-7-phone-icon

Protect your pooch with our Silver, Gold or Platinum cover and
you’ll always have Argos Vetfone at the end of the phone.

Our Freephone helpline is open 24/7 so if you’re not sure
whether that cough is worth a vet’s visit or you’re worried
they’re not as playful as usual, just give our qualified
veterinary nurses a call.

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