Argos pet insurance review

Underwritten by Pinnacle Insurance Plc, which works with brands across the UK and Europe, Argos policies cover cats, dogs and rabbits.

For cats and dogs, it offers a selection of policies – lifetime, time-limited, and maximum benefit. These cover vets' fees, including dental treatment, theft or straying, and if your pet's needs mean you have to cancel your holiday.

It offers a £1 discount per pet, per month when you insure more than one pet, and has a 24-hour helpline that provides access to veterinary nurses over the phone or online.

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Does Argos offer the best pet insurance?

We've rated dozens of insurers on their policies and, where possible, claims service. Members can log in to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

The different types of pet insurance

Lifetime policies

These pay out for ongoing issues your pet may have throughout its lifetime. There are two main types:

Non-lifetime policies

These policies exclude certain conditions after you hit a claims limit.

Accident only

Accident only policies pay out a fixed amount for each accidental injury to help pay for your pet’s treatment. It’s the cheapest type of pet insurance cover but excludes illnesses entirely.

How we analyse pet insurance

We analyse and rate 31 elements of cat insurance policies and 34 elements of dog insurance policies – plus how much each pays in vet fees – to come up with the overall policy score.

Different policy elements are enhanced or reduced within the policy score, to reflect the relative importance of each.

For example, the amount a policy pays for vet fees and how this money is made available counts for more in the score than the amount provided for holiday cancellation.

Best Buy pet insurance policies

We’ve awarded Which? Best Buy status to some lifetime policies that have high policy scores, meet minimum criteria for the amounts they’ll pay out in vet fees each year, and that provide dental cover for both accidents and illnesses.

We haven’t been able to evaluate all insurers offering Best Buy policies on their levels of customer service.

You can find out more about how Best Buys are selected in our guide to the best pet insurance .

How good are Argos pet insurance policies?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

Key cover areas rated

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How good is Argos at handling claims?

The latest data from the Financial Conduct Authority shows that Pinnacle Insurance Plc - Argos' underwriter - accepted 95-100% of claims on its lifetime policies in 2022, which is about average.

Of those who claimed, 0-5% made a complaint while claiming - which was around average.

Compare pet insurance

Find the right policy for your pet using the service provided by Confused.com

Pet insurer reviews

Compare pet insurance

Find the right policy for your pet using the service provided by Confused.com

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1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd.

2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts. LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.

3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.

4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.

Other financial services:

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