Argos Pet Insurance for Dogs: Argos Dog Insurance Review

argos pet insurance review

Argos is a brand that many of us know and trust, and many have found them to be honest and reliable when it comes to business practice.

As a result, Argos pet insurance for dogs could be an excellent choice for you. Of course, you may also be finding the process of deciding which insurance company to go for a stressful and confusing one.

That is why we have created this series of pet insurance guides for you to look at – so you can find the best deal and provider for you. Take a look at the Argos dog insurance reviews below to see if it is the right form of coverage for you and your dog.

What Pet Insurance Policies Do Argos Offer for Dogs?

Argos offers three different policies, which is quite a nice and rounded number of options to offer. To help you understand each policy better, as well as what each of them can offer you, we have listed each of them here, along with the main things they cover:

First, you have the silver cover. This is the cheapest option, and it lasts for 12-months as opposed to a lifetime. Here’s what you can expect it to cover:

  • Up to £2,500 of cover per condition for 12-months.
  • Advertising and reward up to £250.
  • Theft or straying up to £250.
  • Death from illness up to £250.
  • Death from accident up to £250.
  • Pet funeral care up to £100.
  • Holiday cancellation up to £250.
  • Kennels up to £150.
  • Public liability of £1 million.
  • £65 excess.

Next, you have the gold coverage. This is an annual insurance that works the same as the silver policy, but with a little more coverage. Here is what you can expect it to cover:

dog insurance
  • Up to £4,000 of cover per condition for 12-months.
  • Advertising and reward up to £750.
  • Theft or straying up to £750.
  • Death from illness up to £750.
  • Death from accident up to £750.
  • Pet funeral care up to £100.
  • Accidental damage up to £500.
  • Holiday cancellation up to £1,500.
  • Kennels up to £500.
  • Public liability of £1.5 million.
  • £65 excess.

Finally, there is the platinum coverage. This is a lifetime insurance, so you know that your pet and their health conditions will always be covered – giving you peace of mind. Here is what you can expect it to cover:

  • Up to £7,000 of cover per condition for 12-months.
  • Advertising and reward up to £1,000.
  • Theft or straying up to £1,500.
  • Death from illness up to £1,500.
  • Death from accident up to £1,500.
  • Pet funeral care up to £100.
  • Accidental damage up to £500.
  • Holiday cancellation up to £3,000.
  • Kennels up to £1,000.
  • Public liability of £2 million.
  • £65 excess.

What Does Argos Pet Insurance Include?

In the section above, we have looked at each of the policies that Argos offer and what is included in them, so scrolling up is the best way to find out what each of them includes.

However, to give you a general idea of what you can expect from your dog insurance with Argos:

  • Up to £7,000 of cover per condition for 12-months.
  • Advertising and reward up to £1,000.
  • Theft or straying up to £1,500.
  • Death from illness up to £1,500.
  • Death from accident up to £1,500.
  • Pet funeral care up to £100.
  • Accidental damage up to £500.
  • Holiday cancellation up to £3,000.
  • Kennels up to £1,000.
  • Public liability of £2 million.
  • £65 excess.

Also, included in your insurance is the following (depending on the coverage selected):

  • Quarantine costs up to £1,500.
  • Loss of healthcare certificate up to £250.
  • Tick and worming treatment up to £1,000.
  • Emergency expenses abroad up to £1,500.

What is the Cost of Argos Insurance for Dogs?

There are a few factors that will affect the amount that you are quoted, and this is something that you will find occurs with all insurance companies, including Argos.

To help give you a better idea of the factors that could affect the amount you are quoted, we have listed the key criteria here for you:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from Argos to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Silver: £14.68 per month (up to £2,500 of cover).
  • Gold: £19.08 per month (up to £4,000 of cover).
  • Platinum: £32.00 per month (up to £7,000 of cover).

Making a Claim on Argos Pet Insurance

The Argos claims process can be done in five very simple steps, and they are clearly outlined and explained on their website. To give you an idea of how their process works, we have listed the steps here for you to take a look at.

#1 Check your policy to make sure that your claim is covered by your insurance.

If you are unsure, you can always call the number that you are provided with once you have purchased insurance from them.

#2 Fill in your claims form. You can find this online and download it before printing it out.

You can also call them up to fill in the form, or send them an email so that one can be sent to you electronically or by post.

#3 Next, you need to ask your vet to fill in the relevant sections of the form. Once this is done, you can post it back to Argos using the provided postal address.

#4 Your claim will not be processed. This tends to take five working days, but it can take up to 15.​

#5 Once your claim has been approved, they will either pay you (minus excess) or your vet if you have a prior arrangement – leaving you to pay them the excess directly.

The Pros and Cons of Argos Pet Insurance

Here are some of the advantages and disadvantages that come with using Argos pet insurance to protect your dog.

Pros

  • Good number of policies to choose from.
  • Good excess rates with the choice of further voluntary excess.
  • Reasonable prices across all policies.
  • Quick claims process.
  • Excellent customer discounts and offers.

Cons

  • Do have a partnership with RSA, which can restrict which vet you are able to see.

Argos Pet Insurance Discount Codes

Argos do have an option for promotional codes when you go to get a quote from them. We did search the web and the most popular discount code websites, but we could not find any that were valid for July 2017.

However, it is probably a good idea to sign up for their newsletter and keep your eyes open for any future promotional codes.

They also have a 10% multi-pet discount, so that if you live in a household with quite a few furry friends, they can all benefit from cover at a lower price.

This is something that a number of insurance companies provide, and it is great for saving money each month or on your annual payments.

In addition to this, you can also receive a gift card for Argos if you quote CARD12 when you go to get your insurance quote.

This is great if you want to pick up a few pet supplies, or just need the voucher to buy a few pieces for your home. This offer is running as of July 2017, with no specified end date.

Customer Reviews

Argos do not have a large number of online reviews, and it can actually be a little tricky to find customer opinions for this insurance company.

As a result, it is not very easy to judge how good a provider Argos is based on past experiences that customers have had.

However, it is still important to see what the customers that did review think of their service, and so we have gathered them here for you to take a look at:

  • Pet Insurance Review has rated it at 2.6/5 with around 30 customer reviews.
  • Money has rated it at 4.1/5 stars with several hundred customer reviews.

To Conclude

Hopefully, this little guide to Argos pet insurance has helped you to understand their policies a little more, as well as give you an idea of what you are looking for from an insurance company.

They have some great policies to choose from with competitively low prices to further entice you. While they do work in partnership with the RSA, it does also mean that you are able to benefit from lower insurance prices.

Plus, there are some brilliant discounts and offers for new and existing customers. As a result, we feel that the rating this insurance provider should receive is 4/5.

What did you think of our guide to Argos pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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