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, Maximum Benefit 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, physiotherapy, behavioral illnesses and overseas veterinary
  • 3rd party liability (dogs only)
  • Advertisement and reward if your dog goes missing
  • Theft or straying
  • Complementary veterinary helpline, live chat and video service
  • Emergency boarding kennel fees if you are hospitalised for over 48 hours
  • Other travel cover such as holiday cancellation, quarantine costs or loss of healthcare certificate or emergency expenses if your dog is sick or goes missing whilst abroad.

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. You could benefit from an annually renewed vet fee 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 holiday travel cover.

Maximum Benefit Policy

Maximum Benefit Insurance covers accidents, illnesses and new medical conditions up to a pre-agreed financial limit. You can claim multiple times on the same condition until the limit is reached, from that point onward the condition will no longer be covered under the policy.

The policy could cover your dog if it develops the need for ongoing medication during the term of the policy, as the recurring cost of a medication prescription would also be covered.

 

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What does our Dog Insurance cover?

Time Limited
Lifetime
Maximum Benefit

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

Benefits
£2.5k £4k
Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £250 Up to £750
Death from Accident
Up to £250 Up to £750
Finding your Dog
Up to £250 Up to £750
Loss by theft or straying
Up to £250 Up to £750
Third party liability and legal costs
Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200
Hospitalisation / Kennel fees
Up to £150 Up to £500
Holiday cancellation
Up to £250 Up to £1.5k
Emergency Expenses Abroad
Up to £150 Up to £500
Excesses Payable
£99 per condition £99 per condition

Covers up to max amount each year…
Policy Documents

Benefits
£2k £4.5k £7k
Veterinary Fees
Up to £2k
per year
Up to £4.5k
per year
Up to £7k
per year
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750 Up to £1.5k
Death from Accident
Up to £750 Up to £750 Up to £1.5k
Finding your Dog
Up to £750 Up to £750 Up to £1.5k
Loss by theft or straying
Up to £750 Up to £750 Up to £1.5k
Third party liability and legal costs
Up to £2m Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200 Up to £200
Hospitalisation / Kennel fees
Up to £500 Up to £500 Up to £1k
Holiday cancellation
Up to £750 Up to £750 Up to £3k
Emergency Expenses Abroad
Up to £500 Up to £500 Up to £1k
Excesses Payable
£99 per condition
per year
£99 per condition
per year
£99 per condition
per year

Covers up to a max amount per condition…
Policy Documents

Benefits
£2k £5k
Veterinary Fees
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750
Death from Accident
Up to £750 Up to £750
Finding your Dog
Up to £750 Up to £750
Loss by theft or straying
Up to £750 Up to £750
Third party liability and legal costs
Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200
Hospitalisation / Kennel fees
Up to £500 Up to £500
Holiday cancellation
Up to £750 Up to £750
Emergency Expenses Abroad
Up to £500 Up to £500
Excesses Payable
£99 per condition £99 per condition

Time Limited

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

Lifetime

Covers up to max amount each year…
Policy Documents

Maximum Benefit

Covers up to a max amount per condition…
Policy Documents

Benefits Benefits Benefits
£2.5k £4k £2k £4.5k £7k £2k £5k
Veterinary Fees Veterinary Fees Veterinary Fees
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
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance Argos Vet Assistance Argos Vet Assistance
Argos Pet Portal Argos Pet Portal Argos Pet Portal
Death from illness Death from illness Death from illness
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Death from Accident Death from Accident Death from Accident
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Finding your Dog Finding your Dog Finding your Dog
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Loss by theft or straying Loss by theft or straying Loss by theft or straying
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Third party liability and legal costs Third party liability and legal costs Third party liability and legal costs
Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m
Cremation & burial costs Cremation & burial costs Cremation & burial costs
Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200
Hospitalisation / Kennel fees Hospitalisation / Kennel fees Hospitalisation / Kennel fees
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Holiday cancellation Holiday cancellation Holiday cancellation
Up to £250 Up to £1.5k Up to £750 Up to £750 Up to £3k Up to £750 Up to £750
Emergency Expenses Abroad Emergency Expenses Abroad Emergency Expenses Abroad
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Excesses Payable Excesses Payable Excesses Payable
£99 per condition £99 per condition £99 per condition
per year
£99 per condition
per year
£99 per condition
per year
£99 per condition £99 per condition

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, accidents and injuries, 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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Information on how we collect and use your personal data is available to read in our Privacy Policy.

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.

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 you 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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Information on how we collect and use your personal data is available to read in our Privacy Policy.

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.

Black and white Siberian Husky

Everything you need to know about Siberian Huskies Want to add a Siberian Husky to the family? Here is everything you need to know from history to diet & exercise.

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5 Signs Your Dog Loves You Want to know how your dog shows affection? Here are 5 signs that your dog loves you - from snuggling up in bed to maintaining eye contact.

Read more

dog blood donors

Doggy donors we need you! With International Dog Day on the 26th of August 2020, there has never been a better time to get involved and register your dog today!

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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.