The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

Argos Pet Insurance - Our Verdict

argos-pet-insurance-review-ratingWe have given Argos rating of 4/5.  Here we explain how we arrived at this rating and why Argos didn’t score 5/5!

Many organisations unfortunately do not reveal how they reach their rating.  We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement. 


Policies 4/4
Benefits and Small Print 3/3
Renewal Premiums 1/3
Customer Satisfaction 2/3
Excess and Contribution 2/2
Total out of 15 12
Star Rating out of 5 4


Argos have a good range of policies including lifetime policies with reasonably high levels of cover.  Their policies all have single limits and are easily understood. 

Benefits and Small Print  

The Argos policies provide dental cover (for accidental injury),  up to 4 weeks prescription food and euthanasia.  

The death or loss benefit payable is based on the purchase price of your pet (rather than market value and/or use of a sliding scale).

In our opinion the small print is “clean” by which we mean we found very few other non-standard exclusions. 

Renewal Premiums

Argos is underwritten by Royal & Sun Alliance (RSA).   We have seen a number of recent reports about renewal hikes for “RSA” policies including some for Argos policies.  

Customer Service 

Our research would indicate that the majority of Argos customers are generally very happy with the policy and service they receive – they only negative comments we found were about renewal premium increases.   More about Argos customer reviews.

Excess and Contribution

The fixed excess is low at just £65.  ( The average across all pet insurance providers is about £75-£80).    You do not though have to pay a percentage of the vet fees (contribution payments) for pets of any age. 

More Information

More About Argos


Ratings Explained for Popular Pet Insurance Providers



Share these Details



If there is anything above which you don’t think is accurate, or you have anything to add please do share below!

Add Comment

Your email address will not be published.

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>

  1. I have been with Argos for 10 years and the amount they increase their policies each year is outrageous. I have been paying £74 for the last year each month and because I have made a claim this year for tablets for arthritis my new monthly premium is now £112. I think it’s disgusting that you are recommending this company. I have spoken to several people non of whom pay out what I am and the result seems to be petplan is the best. Argos just rip u off starting with a low premium to get u to join them. I would never recommend them to anyone.