Pet Insurance for UK Cats & Dogs
Explore clear UK pet insurance information, from time-limited cover to lifetime policies with annual veterinary-fee limits of up to £7,000. Compare cover for dogs, cats, puppies and kittens, understand how veterinary-fee limits, multi-pet discounts and 24/7 vet assistance work, and review the key policy features before requesting a quote. Use our guides to compare the main differences before choosing cover for your pet.
Choose your pet or read the guide.
Cover choices for dogs from 8 weeks old
For dog owners, the promoted cover includes Time Limited, Maximum Benefit and Lifetime veterinary-fee options. The right structure depends on how you want limits to apply if your dog needs ongoing or repeat treatment.
- Time-limited vet fees up to £2,500 or £4,000 per condition for up to 12 months.
- Maximum Benefit vet fees of £2,000 or £5,000 per eligible condition, with no 12-month condition window and no annual reset of that condition limit.
- Lifetime dog vet-fee limits of £2,000, £4,500 or £7,000 per policy year.
- 24/7 access to Argos Vet Assistance.
- Eligible cover may include complementary treatment, physiotherapy and behavioural illness.
Insurance for cats and kittens from 8 weeks old
Cat cover can help with eligible veterinary treatment, with Time Limited, Maximum Benefit and Lifetime policy structures available, while selected benefits can also assist if a cat goes missing or in certain emergency situations.
- Time-limited vet fees up to £2,500 or £4,000 per condition for up to 12 months.
- Maximum Benefit vet fees of £2,000 or £5,000 per eligible condition, with no 12-month condition window and no annual reset of that condition limit.
- Lifetime cat vet-fee limits of £1,000, £3,500 or £7,000 per policy year.
- Advertisement and reward benefit for eligible missing-cat claims.
- Theft or straying, cattery fees and certain travel benefits may be included, subject to policy terms.
Time Limited, Maximum Benefit and Lifetime vet-fee options
These are headline veterinary-fee limits for the three promoted cat and dog policy structures. Exact benefits, excesses and exclusions depend on the option selected.
| Pet | Time-limited vet fees | Maximum Benefit vet fees | Lifetime vet fees |
|---|---|---|---|
| Dogs | Up to £2,500 or £4,000 per condition for up to 12 months | £2,000 or £5,000 per eligible condition; no 12-month condition window | £2,000, £4,500 or £7,000 per policy year |
| Cats | Up to £2,500 or £4,000 per condition for up to 12 months | £2,000 or £5,000 per eligible condition; no 12-month condition window | £1,000, £3,500 or £7,000 per policy year |
Headline limits are not a substitute for the full policy wording. Terms, excesses, exclusions, eligibility and claim conditions apply. Read our Maximum Benefit pet insurance guide for how the per-condition limit works.
Useful pet insurance guides
Good cover starts with understanding how limits, excesses, exclusions and renewal structures work.
Lifetime pet insurance
How annual vet-fee limits can renew.
Time-limited pet insurance
How 12-month condition limits work.
Multi-pet insurance
Covering more than one cat or dog.
Veterinary fees cover
What eligible treatment may include.
Pet insurance costs
Factors that can affect your premium.
Pre-existing conditions
Why medical history matters.
Pet insurance built around veterinary care
A suitable policy can help with the financial impact of eligible illness and injury, while giving you a defined level of veterinary-fee protection to work with.
Veterinary fees
Eligible vet bills can include treatment for illness or accidental injury, with cover levels depending on the policy selected.
Lifetime cover
Annual vet-fee allowances can reset when the policy renews, provided cover continues and policy terms are met.
Time-limited cover
A defined amount is available for an eligible condition for up to 12 months or until the policy limit is reached, whichever comes first.
24/7 vet assistance
Argos Vet Assistance provides access to qualified veterinary nurses around the clock by phone or online chat.
Multi-pet discount
When more than one pet is insured, a minimum £24 discount is advertised, calculated as £1 per pet for every month insured. T&Cs apply.
Direct vet payment
Where arrangements allow, the insurer can pay the vet directly, helping reduce the need to fund an eligible bill before reimbursement. For veterinary treatment needed temporarily abroad, Argos says the overseas vet must be paid first and the claim reported after returning home.