Dog Insurance  Puppy Insurance

Puppy Insurance

Provided by Pinnacle Insurance plc

The excitement is real; you’re getting a puppy! Or at least thinking about welcoming one into the family home. When you do, it’s not all cuddles and puppy-pad mishaps, you have to think about that bundle of fur’s health and well-being too.

And that’s where Argos’ Puppy Insurance can help. We’ll cover your puppy from 8 weeks old, and whenever you have even the slightest little worry about them, don’t panic. Argos Vet Assistance is here for you 24/7.

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When should I think about Puppy Insurance?

As soon as the thought of buying a pup has crossed your mind, you should think about puppy cover and start getting your Puppy Insurance quotes. Or at least have it high on your list – after you’ve bought a doggy bed and all the treats and toys. Basically, you should think about having your puppy covered for the first day you bring them home.

Though your pup may not be allowed out the house, they can still get up to plenty of mischief. Their playful and inquisitive nature can lead to accidents or eating something they shouldn’t. Pet insurance for puppies helps give you that peace of mind that they’re covered for accident or illness if something happens to them.

What pet insurance should I get for my puppy?

You have the bed and the toys and thought about insurance, but which cover should you get? You do need to think about your puppy’s needs and don’t forget about you too. Make sure they have the right level of cover to look after their needs while being affordable for you now, and as they grow up. You need to know your puppy’s premiums can go up considerably as they get older.

We have three types of pet insurance: Lifetime Cover, Maximum Benefit and Time Limited.

• Lifetime Pet Insurance covers treatment up to a vet fee limit, a limit which resets for every year of cover
• Maximum Benefit covers new conditions up to a vet fee limit, reach it, and the condition is no longer covered
• Time Limited covers new conditions up to a set vet fee limit for 12 months. After 12 months from the start of treatment, or if you reach the limit first, the condition is no longer covered

So you know where you and your pup stand, we’ve put together this Puppy Insurance comparison so you can see our cover levels and compare benefits.

What’s to know about Puppy Insurance?

Under 8 weeks old

Cover for your puppy can start from 8 weeks of age. If your puppy turns 8 weeks old within 30 days, you can take out a policy and set the start date for when they turn 8 weeks old. Puppies are eligible for any type of pet insurance and any cover level, as long as they’re a breed we insure.

Puppy microchipping

It is the law to microchip all puppies and dogs by the time they are 8 weeks old. You will need to make sure that all information on the chip is up to date including, names, addresses and phone numbers. Puppy Insurance will not cover the cost of microchipping. If your dog is not microchipped we will not pay out for finding your dog or loss by theft or straying claims.

Puppy vaccinations

Your vet can advise when your puppy can have their first set of vaccinations, this should be at around 8 weeks and then at about 10 weeks. Their second set can be given around 2 to 4 four weeks later. When your puppy is a little bit older, they will need a booster.

Vaccinations are not covered by insurance. Be aware, conditions that your puppy should be vaccinated against are not covered if you’ve failed to vaccinate.

Neutering your puppy

If you choose to castrate or spay your puppy, the cost of the surgery isn’t covered by your insurance.

Flea and worming treatment

When it comes to flea and worming treatments, you should be aware that treatment will be ongoing throughout your puppy’s life . Flea and worming treatments are not covered as part of your insurance.

Conditions in the first 14 days

Illnesses are not covered in the first 14 days. After 14 days have passed, you are then able to make claims for new conditions only. It cannot be an illness that occurred in those first 14 days.

Injuries in the first 3 days

Like illnesses, injuries aren’t covered from day 1 either. Only after day 3 can you claim for injuries and new injuries only, it cannot be an injury that happened in those first 3 days.

Dogs 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. We do not cover Akita and Neapolitan Mastiff for Third Party Liability.

Excess

When your dog reaches 8 years old (for restricted breeds this is 5 years), your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made.

You pay the first £100 of any compensation or costs for Third Party Liability claims. Please note these values are subject to change.

Frequently asked questions