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.
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.
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.
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.