We 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.
Summary
| 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 |
Policies
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.