A summary of
your cover
And important information
FPS00402(01-12)/14255
Argos Pet Insurance is underwritten and administered by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at
St.Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.
Calls may be recorded and monitored.
We will not cover:
any claims for anything that is caused by, relates to, or results from an illness, disease or injury or any changes in your pet’s normal healthy
state, its bodily functions or behaviour which your pet had before this policy started;
any dog which should be registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991 or any
subsequent amendments;
intentional slaughter, by order from any Government, Local Authority or any person having jurisdiction in the matter, except in the case of
humane destruction to alleviate incurable and inhumane suffering;
any pet that is trained to attack, used for commercial guard or security purposes, or for any form of racing, commercial breeding or monetary gain;
claims for any incident outside the territorial limits of the United Kingdom, Northern Ireland, Isle of Man, Channel Islands, Eire and the
Member Countries of the PETS Travel Scheme (non EU listed countries as defined by DEFRA are excluded);
any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution;
vaccinable illnesses if your pet is not vaccinated;
pets that are less than eight weeks old at the cover start date.
Treatment periods explained
Silver and Gold
Each incident has cover for up to 12 months from the start of the incident up to the limits shown above.
If 12 months or the limit are not reached and your policy becomes due for renewal you will need to renew your policy in order to continue
claiming for the same condition.
Platinum
There is no time limit on how long the claim can last.
Once your vet fees limit is reached, you will no longer be able to claim for anymore conditions.
If we offer and you accept our renewal terms your vet fees limit will be reinstated as long you renew your policy annually and your cover is
continuous between each renewal.
Death from illness, death from accident, theft and straying
If you have no purchase receipt showing the purchase/donation price you paid, we will pay the replacement cost of a similar pet up to
the limit shown for death from illness, death from accident, theft & straying dependent of the type of claim made.
Main exclusions that apply to all sections of cover
Important Information
Your right to cancel the policy
If having examined your policy documentation you decide not to proceed with the insurance you will have 14 days to cancel it starting on the
day you receive the policy documentation.
To cancel please write to Argos Pet Insurance, PO Box 16282, Birmingham, B2 2XH, call 0845 078 7500 or e-mail help@argospetinsurance.
co.uk. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim under your policy.
Claims
Should you wish to claim under your Argos Pet Insurance policy you should call the Claims Helpline on 0845 078 7500 or e-mail: claims@
argospetinsurance.co.uk as soon as possible. You must give us any information or help that we reasonably ask for. You must not settle, reject,
negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy document.
Complaints
We aim to give customers a high standard of service at all times. If you are unhappy with the service provided for any reason or have
cause for complaint you should initially contact Argos Pet Insurance at PO Box 16282, Birmingham, B2 2XH, call 0845 078 7500 or
e-mail: [email protected]. They will tell you what they will do to resolve your concerns and how long it will take. In the
unlikely event that you remain dissatisfied and wish to make a complaint, please contact our Customer Relations Manager at the address
below. If they cannot resolve the matter to your satisfaction, we will provide you with our final response so that you can, if you wish, refer
the matter to the Financial Ombudsman Service. If you make a complaint, your right to legal action against us is not affected.
Compensation
Royal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS). This provides compensation
in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be
entitled to compensation if we cannot meet our obligations, depending on the circumstances of the claim. Further information about
the compensation scheme can be obtained from the FSCS.
Other Important Information
RSA
Argos Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc which is authorised and regulated by the Financial Services
Authority as an insurance company and to undertake insurance mediation under Registration No. 202323. You can check this on the
FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Argos Limited
Argos Limited is an introducer appointed representative of Home Retail Group Insurance Services Limited (HIS). For Pet Insurance, HIS
acts as an introducer to Royal & Sun Alliance Insurance plc (RSA). HIS are authorised and regulated by the Financial Services Authority
(FSA) under Registration No. 314050. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register
or by contacting the FSA on 0845 606 1234.
Advice
Neither Argos, HIS or RSA gives opinions or recommendations about your pet insurance. We will give you information about the
product but cannot make a decision for you.
Premiums and payments
Premiums are inclusive of Insurance Premium Tax.
You may pay for your policy either annually or by monthly instalments. Annual premiums may be paid by credit or debit card. Monthly
instalments can only be paid by direct debit.
If you decide to pay for your insurance monthly then because it is an annual policy RSA will provide you with a loan agreement for the
annual amount. This is a legal requirement because we are making it possible for you to pay by 12 monthly instalments.
Charges
We make no administration charges for any changes to your policy or for copies of documents or when you renew.
The law and language applicable to the policy
Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which
applies is the law applicable in the part of the United Kingdom, Channel Islands or the Isle of Man in which you live. Full details will
be provided in your policy documentation.
The language used in this policy and any communications relating to it will be English.
Renewing your policy
At least 21 days before each policy renewal date we will tell you the premium and terms and conditions that will apply for the
following year. If you wish to change or cancel the cover then please tell us before the renewal date.
If you pay by direct debit we will renew the policy automatically and continue collecting premiums unless you notify us that you wish
to cancel the policy. For payments by credit or debit card, you must submit a further payment if you wish to renew the policy.
You will have 14 days to cancel the policy after the renewal date and receive a refund of any premiums paid, as described in “Your
right to cancel the policy” above.
Change of insurer
It may be that the insurance company underwriting your cover could change at renewal time – if so you will be informed of this
change not less than 21 days before your current policy renews and provided with details of any changes to your policy cover.
If you pay by direct debit then your policy may be automatically renewed with the new insurer. If you do not want your policy to be
renewed then please let them know before the renewal date.
Use of your data
You are giving your information to Argos Limited, which is part of the Home Retail Group and RSA, which is a member of the RSA
Group of companies. Full details regarding the use of your data can be found in the Argos Pet insurance policy booklet.
To help us prevent fraud and money laundering we may submit your details to fraud prevention agencies and other organisations and
may search their records.
Home Retail Group would like to keep you informed by telephone, post, text or email of selected products and services and RSA would
like to keep you informed by telephone, post, text or e-mail of Argos Pet Insurance products and services. If you would prefer not to
receive this information from us, and have not previously advised us of this, please let us know when you contact us.
Termination of the contract
You may cancel this policy at any time. We may cancel this policy by giving you at least 14 days notice at your last known address.
If your policy is cancelled after the first 14 days:
•andyouhavemadeaclaimduetothedeathorlossofyourpet:
Annual payment – we will refund the proportion of the premium already paid for the remainder of the current period of insurance.
Monthly payment – we will not deduct outstanding instalment payments from any claim payment.
•foranyotherreasonandyouhavemadeaclaim:
Annual payment – we will not refund the proportion of the premium already paid for the remainder of the current period of insurance
Monthly payment – we will deduct outstanding instalment payments from any claim payment
If you have not made a claim we will refund the proportion of the premium already paid for the remainder of the current period
of insurance.
Argos Pet Insurance
Customer Relations Manager
RSA
Bowling Mill
Dean Clough Industrial Park
Halifax
HX3 5WA
Financial Ombudsman Service
Insurance Division
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
14255 ARG Pet policy summary 208x144_v2.indd 1 03/11/2011 12:50
Policy Summary
Argos Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract that provides cover for the cost of
the major risks of owning a dog or cat including the cost of veterinary treatment that involves the expertise of a veterinary surgeon.
It may be renewed each year subject to the terms and conditions then applicable.
There are three levels of cover available: Silver, Gold and Platinum. Your Pet Insurance schedule or quote shows you which level of
cover you have chosen.
The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and
all the terms and conditions that apply you should read the policy document, a copy of which will be provided on completion of your
contract or at any time on request. On receipt of your policy documentation, you will have 14 days to decide if you wish to cancel the
policy – see “Your right to cancel the policy” for more information.
The following covers will automatically be included in your policy
You can choose whether you would like Silver, Gold or Platinum level of cover.
Veterinary fees: £2500 £4000 £7000
Treatment period: 12 months 12 months Per year
Hydrotherapy sessions (dogs only): 5 per condition 5 per condition 10 per period of insurance
Diet food covered for: Not covered Not covered 4 weeks
Third party liability (dogs only): £1m £1.5m £2m
Death from accident: £250 £750 £1500
Death from illness: £250 £750 £1500
Cremation fees: £100 £100 £100
Advertising and reward: £250 £750 £1000
Theft or straying: £250 £750 £1500
Boarding kennel/cattery fees: £150 £500 £1000
Holiday cancellation: £250 £1500 £3000
Accidental damage: Not covered £500 £500
Cover levels
Silver
(up to)
Gold
(up to)
Platinum
(up to)
Travelling outside the UK, Isle of Man, Channel Islands and Republic of Ireland to:
Countries that are members of the 90 days 90 days Unlimited days
PETS Travel Scheme as defined by DEFRA
Travelling includes:
•quarantinecosts: £150 £500 £1500
•lossofhealthcarecertificate: £250 £250 £250
•tick&wormingtreatment: £150 £250 £1000
Emergency expenses abroad including covers
£150 £250 £1000
and limits as listed below up to a total of:
•accommodation&feesfora
£100 £200 £300
missed return journey:
•accommodation&costsifyourpetislost
£150 £250 £300
during a journey:
•accommodation&costsforupto4dayswhile
£150 £250 £300
you stay abroad to find your pet:
Features and Benefits (Policy section)
Veterinary fees cover
If your pet needs treatment by a vet for illness, injury
or disease.
Third party liability cover (dogs only)
Damages and costs if your dog causes:
•accidentaldeathorinjurytoaperson;or
•accidentallossordamagetotheirproperty.
If someone who is not a member of your family is
looking after your dog when the injury or damage
happens, we will still pay as long as you:
•askedthemtolookafteryourdog;
•didnotagreetopaythemtolookafter
your dog;
•andthedeath,injury,lossordamagewasnotto
them or their property.
Death from illness
If your pet dies from illness or disease;
or is put to sleep by a vet as a result of illness
or disease.
Death from accident
If your pet dies as a result of a sudden and
unexpected event;
or is put to sleep by a vet as a result of the event.
Theft and straying
If your pet is permanently lost or stolen and not
recovered despite the use of the advertising and reward.
Advertising and reward
If you need to advertise locally and offer a reward to
recover your pet if it is lost or stolen.
Features and Benefits (Policy section)
Boarding kennel and cattery fees
If you or a member of your family is hospitalised
on medical advice for a period exceeding 4
consecutive days;
or if you have to use a kennel or cattery for your pet
because your main UK residence is uninhabitable.
Holiday cancellation costs
If you have non-recoverable cancellation or curtailment
costs due to emergency life saving surgery on your pet
within 7 days of your departure on holiday.
Accidental damage
If your pet causes accidental damage to personal
property.
Travelling
To a member country of the PETS Travel Scheme in
accordance with the European Economic Community
regulations.
Travelling cover includes:
•Quarantine costs
If you need to put your pet into quarantine
should the required microchip fail.
•Loss of healthcare certificate
If you lose and need to replace the original during
a trip. Plus quarantine costs as a result of the lost
health certificate.
•Repeat tick and worming treatment
If you need to repeat the treatment if departure to
the UK is delayed by your carrier.
Emergency expenses abroad includes:
•accommodationandfeesifyourpetrequires
emergency vet treatment which causes you to
miss your return journey;
• accommodation and costs while you try to find
your pet if your pet becomes lost during a journey;
• accommodationandtransportcostsforupto4days
if your pet becomes lost or strays before your return
journey and you remain abroad to try to find it.
Significant exclusions or limitations
•Incidentnotnotifiedwithin60daysofoccurrence;
•anyillnessordiseaseoranychangesinyourpet’snormalhealthystate,
its bodily functions or behaviour arising within the first 10 days of the
first period of insurance of your policy;
•deathoforinjurytoyourpetasaresultofasuddenandunexpected
event arising within the first 48 hours of the first period of insurance of
your policy;
•preventativeorelectiveprocedures;
•pregnancy,givingbirthorrearingpuppiesorkittens;
•dentaltreatmentexceptasaresultofasuddenandunexpectedinjury;
•routineexaminations,vaccinations,grooming,spayingorcastration;
•behaviouralproblemsandtrainingunlesscausedasadirectresultofan
insured incident occurring during the period of insurance;
•nutritionalsupplementsandvitaminsunlessprescribedbyavettotake
the place of medication or if they have a proven effect upon an illness,
injury or something directly caused by an illness or injury;
•thecostofputtingyourpettosleepexceptascertifiedbyavetas
necessary to alleviate incurable and inhumane suffering due to injury
illness or disease.
Anything owned by or the legal responsibility of your family, your
domestic employees who normally live with you or anyone looking after
your dog with your permission.
Liability arising from:
•anyemployment,trade,professionorbusinessofanyofyourfamilyor
anyone looking after your dog with your permission;
•theuseofyourdogfortrade,professionorbusiness;
•anyofyourfamily,yourdomesticemployeeswhonormallylivewithyou
or anyone looking after your dog with your permission passing on any
disease or virus;
•injury,death,diseaseorillnesstoanyofyourfamily,yourdomestic
employees who normally live with you, anyone employed under contract
of service by you or anyone looking after your dog with your permission;
•theownershiporuseofanymotorisedvehicle,includingchildren’s
vehicles by any of your family or anyone looking after your dog with
your permission.
Liability accepted by any of your family under any agreement, unless the
liability would exist without the agreement.
Liability covered by any other policy unless all the cover under that policy
has been used up.
Death arising within the first 10 days of the first period of insurance of
your policy.
Dogs aged 9 years and above;
Cats aged 11 years and above.
Death within the first 48 hours of the first period of insurance of
your policy.
Claims less than 45 days after the date your pet was lost or stolen.
Reward offered without our prior agreement.
Significant exclusions or limitations
Hospitalisation that you were aware of before the policy cover start date.
Payments made without our prior agreement.
Claims if we have not agreed that the residence is uninhabitable.
Non life saving surgery.
Costs for any holiday booked less than 28 days prior to departure.
Damage to personal property:
•ownedbyyouorinyourcontrol;
•belongingtoanypersonentrustedwiththecare,controlandcustodyof
your pet.
Damage whilst your pet is left alone or where you or any person entrusted
with its care, control and custody are not in a position to control its behaviour.
Claims without:
•evidenceofexpenditure;
•evidenceoftickandwormingtreatment;
•evidenceofmicrochippingpriortoyourjourney.
Conditions your pet suffered from before departure.
Lost healthcare certificates not reported to the issuing vet within 24 hours
of discovery.
Claims without:
•evidenceofexpenditure;
•awrittenPoliceortransportoperatorreport;
•evidenceofnotificationtothePoliceortransportoperatorwithin24
hours of discovery.
What you pay towards the cost of a claim (policy excess)
For veterinary fees you can choose to pay an extra (voluntary) excess, this will be in addition to the cover excess shown above.
At the end of each period of insurance we reserve the right to amend the premium, excess and or policy benefits, policy terms and
policy conditions.
If we change the excess the new excess amount will apply to any claim for the cost of any treatment your pet receives, which includes
any claim for the cost of any treatment for any illness, disease or injury that was insured in a previous period of insurance. Any change
in excess will apply from the renewal date of your policy and will be shown on your policy schedule.
Excess applies to: Cover selected What you pay
Veterinary fees Silver, Gold, Platinum £65
Accidental damage Gold & Platinum £100
Third party liability Silver, Gold, Platinum – only applies to dogs £100
14255 ARG Pet policy summary 208x144_v2.indd 2 03/11/2011 12:50
