Why do you need pet insurance?

Lifetime pet insurance is a comprehensive pet insurance policy that includes an annually renewed vet fee limit with no exclusions for new conditions. There are a range of cover levels you can choose from, meaning that you can cover your pet at a cost that suits you.

Pet insurance lifetime cover includes a range of benefits including advertisement and reward if your pet goes missing, emergency boarding and overseas veterinary treatment, meaning that no matter your situation, your mind will be at ease when it comes to care for your pet. With our Lifetime pet insurance policy, you can benefit from our Argos Vet Assistance where our veterinary nurses can provide you with the advice you need to keep your pet safe, happy and healthy.

Please note, for rabbit insurance we only offer a lifetime policy and overseas veterinary treatment does not apply to rabbits.

Time-limited pet insurance covers your pet’s conditions for a limited time, usually up to 12 months or until the vet fee limit has been spent (whichever comes first). This is an insurance policy for those who want to cover their cat or dog for short-term health issues.

Claims can be made throughout this 12-month period for various treatments and all will be paid up to the maximum treatment allowance as long as it does not exceed the policy limit. At Argos Pet Insurance, we don’t just cover treatments and vet bills, we have various other benefits to help with the wellbeing of your pet. You can also access our Argos Vet Assistance and enjoy benefits such as emergency boarding, overseas veterinary treatment and advertisement and rewards if your pet goes astray.

Please note, Time Limited insurance is not available for rabbits.

Maximum benefit policies give you a fixed amount of money to use to claim for individual conditions. Once the limit is reached, the condition will be treated as pre-existing and not covered anymore.

There’s no time limit with a maximum benefit pet insurance policy, so you have as long as it takes to reach your pay-out limit before claim payments stop. You will need to renew the policy each year to have access to the cover. Again, it’s worth noting that most insurers won’t accept pre-existing conditions, so if you move your pet’s policy, you’d be left to pay the vet’s bill for that condition for the rest of their life.

Please note, Maximum Benefit insurance is not available for rabbits.

Accident Only is a type of pet insurance that only covers your pet after they have had an accident. This does not include pre-existing conditions or other vet treatments for illnesses, meaning that it is a fairly basic policy and would not usually include additional benefits.

Argos Pet Insurance does not provide Accident Only cover.

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: 33 Holborn, London, EC1N 2HT (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.