Argos Platinum

Section 4
General Conditions applicable to the whole policy
6) Statutory cancellation rights
You may cancel this policy within 14 days of receipt of the policy documents (new business) or the renewal date (the Cancellation Period) by writing to the following address during the Cancellation Period: Argos Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth PO2 8QL. There is no refund of premium in the event of a claim for death by accident, death by illness, theft or straying. However, in all other cases We will retain an amount of premium in proportion to the time You have been on cover and refund the balance to You. In the event of a claim for death by accident, death by illness, theft or straying, if You are paying by instalments We will deduct the outstanding instalments due from any claim payment made.

Section eleven
11. What to do if you need to make a claim
In the event of any possible claim under any sections of this insurance You must notify the claims helpline on 0845 602 6764 or by e-mail: claims@argospetinsurance.co.uk as soon as possible and not later than 60 days after any Incident occurring that is likely to result in a claim. Failure to comply with the listed procedures may result in Us being unable to assist with Your claim.
11.1 Overseas travel
In the event that Your Pet requires Veterinary Treatment whilst temporarily in Eire or a Member Country of the PETS Travel Scheme, payment of any treatment will be made by You to the Vet whilst You are there. Upon Your return home You should telephone the claims helpline immediately and report the claim. You will then be sent a claim form for completion and return with all the paid Veterinary receipts. Settlement will then be made to You after the deduction of the excess in Sterling at the current rate of exchange, such payment discharging Us from all further liability connected with such claim. Telephone claim line: 0870 606 0523. Please note that telephone calls may be monitored or recorded to assist with staff training and for quality control purpose.
11.2 Veterinary fees
Upon commencement of Treatment You should telephone the claims helpline and report the possible claim. You will then be sent a claim form for completion by Your Vet. Once this treatment has been completed the claim form should be returned along with all supporting receipts. Settlement can be made directly to the Vet after deduction of the excess, such payment discharges Us from all further liability connected with such claim. We have the right to request further information either directly from the Vet or from You to confirm the validity of the claim at Your expense.
11.3 Third party liability
1. You shall not admit or accept liability, negotiate or make any payment or promise of payment without Our written consent.
2. You should immediately contact the claims helpline on the above number and advise them of any possible claim. You will then be given instructions on what to do with any letter, claim, writ or summons.
3. You are required to provide Us with all the information that they may reasonably require.
4. We will have the sole conduct and control of any claim and legal proceeding relating thereto including the right to prosecute in the name of the insured but for Our benefit for any claim, damages or liability.
11.4 Death from accident, and illness
You must obtain a Veterinary Certificate at Your own expense stating the date and cause of death. In the event that the Pet is put to sleep, (euthanised) You must obtain a Veterinary Certificate stating that this was necessary for humane reasons to terminate incurable suffering.
11.5 Advertising and reward
In the event of the insured Pet being lost, You should telephone the claims helpline immediately and secure the prior approval of Us prior to any expenditure.
11.6 Theft and straying
1. The loss of Dogs should be reported to the Police within 24 hours of disappearance.
2. For Cats and Dogs You should telephone the claims helpline and report the possible loss.
A claim form should then be completed if there is no recovery of Your Pet after 45 days.
11.7 Accidental damage
1. You should call the claims helpline immediately You are aware of any circumstances likely to give rise to a property damage claim. A claim form will be sent to You which should be completed detailing the exact circumstances of the claim including the description of the articles damaged and their purchase price if known.
2. You should not admit any responsibility for the damage until the claim has been reported and considered by Us.
11.8 Boarding kennel/cattery fees
You should obtain at Your own expense receipted bills from the boarding kennel or cattery or from the person responsible for looking after the insured Pet, detailing dates and expenses incurred. You must also obtain at Your own expense confirmation of the period You or Your family members were in hospital and any additional information requested by Us.
11.9 Holiday cancellation costs
You should obtain at Your own expense the booking invoice and cancellation invoice from Your travel agent or tour operator. This should detail the total irrevocable charges made and the date of cancellation.
11.10 Claims conditions
1) If any liability under this Policy is covered by another insurance Policy We will not pay more than Our rateable proportion.
2) Following a claim We shall be entitled to take over and exercise any rights in Your name against any other party for Our own benefit and at Our own expense to recover any payment We have made under this Policy.
3) You must not act in a fraudulent manner. If You or anyone acting for You:
Make a claim under the Policy knowing the claim to be false or fraudulently exaggerated in any respect or
Make a statement in support of a claim knowing the statement to be false in any respect or Submit a document in support of a claim knowing the document to be forged or false in any respect or
Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance.
Then:
We shall not pay the claim.
We shall not pay any other claim which has been or will be made under the Policy.
We may at Our option declare the Policy void.
We shall be entitled to recover from You the amount of any claim already paid under the Policy since the last renewal date.
We shall not make any return of the premium.
We may inform the police of the circumstances.

Section eleven
11.10 Claims conditions
1 If any liability under this Policy is covered by another insurance Policy We will not pay more than Our rateable proportion.

Section six
6.1 Veterinary fees cover
What is covered
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet.
Platinum cover is continuous for each separate Incident up to the limit of £6,000 per Incident.
Treatment in respect of any Condition can continue until the original vet fees limit has been reached subject to the Policy remaining in force, being continuously renewed at each anniversary and premiums paid on time.
Policy limits are dependent on the cover selected and excess as specified below and subject to written notice of such Accident, illness or disease having been given to Us within 60 days of occurrence. The limit of cover and excess are on a per Incident basis.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members of the Canine Hydrotherapy Association.
What is not covered
We will not pay for:
1 a) The first £50 of each and every claim.
c) Any Treatment exceeding £6,000 per Incident under Platinum.
d) Any Treatment costs incurred after the Policy has expired.
2 Veterinary fees in connection with:
a) Any Pre-existing Conditions or illness unless previously agreed by Us.
b) Any illness or Condition arising prior to or within the first 10 days of the inception date of the Policy (This exclusion is not applicable to renewed policies).
c) Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine vaccinations, grooming, spaying or castration, whelping or kittening or to any Treatment in connection with pregnancy or giving birth or arising out of these procedures.
d) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
e) Non essential hospitalisation and or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
f) Diet foods, other than for a 4 week period for a specific accident or illness.
g) Dental Treatment except as a result of an accident.
h) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general well-being of any Pet.
i) Any claim for cryptorchidism.
j) Any claim as a result of a 'notifiable' disease, e.g. Rabies.
k) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
l) Any charges in respect of disposal, cremation, or burial of Your Pet.
m) Fees for unapproved Alternative Medicine or Complimentary Medicine.

Section six
6.1 Veterinary fees cover
What is covered
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet. Cover is provided for up to 12 months from the occurrence of an Incident occurring to the Pet, up to the limit of £2,500 (silver), £4,000 (gold). Platinum cover is continuous for each separate Incident up to the limit of £7,000 per Incident.
Treatment in respect of any Condition can continue until the original Vet fees limit has been reached subject to the Policy remaining in force, being continuously renewed at each anniversary and premiums paid on time. Policy limits are dependent on the cover selected and Excess as specified below and subject to written notice of such Incident having been given to Us within 60 days of occurrence. The limit of cover and Excess are on a per Incident basis. Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members of the Canine Hydrotherapy Association.
What is not covered
We will not pay for:
1 a) The first £60 of each and every claim.
b) Any Treatment exceeding 12 months after the Incident under Silver and Gold.
c) Any Treatment exceeding £7,000 per Incident under Platinum.
d) Any Treatment costs incurred after the Policy has expired.
2 Veterinary fees in connection with:
a) Any Pre-existing Conditions or illness unless previously agreed by Us.
b) Any illness or Condition arising prior to or within the first 10 days of the inception date of the Policy (This exclusion is not applicable to renewed policies).
c) Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine vaccinations, grooming, spaying or castration, whelping or kittening or to any Treatment in connection with pregnancy or giving birth or arising out of these procedures.
d) Behavioural problems and training unless caused as a direct result of an insured Incident occurring during the Period of Insurance.
e) Non essential hospitalisation and or house calls unless the Vet declares that to move Your Pet would seriously endanger its health.
f) Prescription foods, other than for a 4 week period for a specific Accident or illness.
g) The normal feeding costs of Your Pet during any claim for a special diet.
h) Dental Treatment except as a result of an Accident.
i) Any claim for any form of special diet, housing, or bedding needed for the Treatment or general well-being of any Pet.
j) Any claim for cryptorchidism (retained testicle(s)).
k) Any claim as a result of a 'notifiable' disease, e.g. Rabies.
l) Any charges in respect of euthanasia except in the case of humane destruction to alleviate incurable and inhumane suffering.
m) Fees for Alternative Medicine or Complementary Medicine that have not been approved by Us.

Section six
7.1 Veterinary fees cover
What is covered
We will pay for all reasonable and customary charges made for Treatment carried out by a Vet.
Platinum cover is continuous for each separate Incident up to the limit of £6,000 per Incident.
Treatment in respect of any Condition can continue until the original vet fees limit has been reached subject to the Policy remaining in force, being continuously renewed at each anniversary and premiums paid on time.
Policy limits are dependent on the cover selected and excess as specified below and subject to written notice of such Accident, illness or disease having been given to Us within 60 days of occurrence. The limit of cover and excess are on a per Incident basis.
Fees for Alternative Medicine or Complementary Medicine which the Vet recommends and as pre-approved by Us, including up to twelve sessions of hydrotherapy provided the pool operators are members of the Canine Hydrotherapy Association.
What is not covered
2 Veterinary fees in connection with:
m) Fees for unapproved Alternative Medicine or Complimentary Medicine.
Definitions state:-
1.Definitions
Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this Policy.
Alternative Medicine:
Means herbal or homeopathic medicine.
Complementary Medicine:
Means physiotherapy, acupuncture, osteopathy, hydrotherapy and chiropractic Treatment.

Section nine
All the following benefits aer subject to full compliance with the PETS Travel Scheme
9.3 Repeat tick and worming treatment
What is covered
We will pay up to £150 (Silver), £250 (Gold) and £1,000 (Platinum) in reimbursement for reasonable costs incurred in arranging repeat tick and worming Treatment where your departure to the UK is delayed by your carrier. All claims under this section of the Policy must be supported by all relevant receipts and evidence of expenditure including documentary evidence that the initial tick and worming Treatment was administered.

Section seven
7.1 Death from illness
What is covered
We will pay You the purchase price of Your Pet as declared on the schedule of insurance, up to a maximum of £250 (silver), £750 (gold) or £1,500 (platinum) dependent on the cover selected, in the event Your Pet dies from illness or disease or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of the Pet, due to illness or disease.
The cost of cremation up to £100 if Your Pet dies or is put to sleep by a Vet as a result of an Illness covered by this Policy.
What is not covered
We will not pay for:
1. Any amount if the death results from a Pre-existing Condition or illness unless previously agreed by Us.
2. Any claim where Your Pet has reached the age of 9 years of age and above in the case of dogs and 11 years of age and above in the case of cats.
7.2 Death from accident
What is covered
We will pay You the purchase price of Your Pet as declared on the statement of insurance, up to a maximum of £250 (silver), £750 (gold) or £1,500 (platinum) dependent on the cover selected, in the event Your Pet dies from Accident or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of the Pet, due to Accident.
The cost of cremation up to £100 if Your Pet dies or is put to sleep by a Vet as a result of an Accident covered by this Policy.

Section seven
7.1 Death from illness
What is covered
We will pay You the purchase price of Your Pet as declared on the schedule of insurance, up to a maximum of £250 (silver), £750 (gold) or £1,500 (platinum) dependent on the cover selected, in the event Your Pet dies from illness or disease or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of the Pet, due to illness or disease. The cost of cremation up to £100 if Your Pet dies or is put to sleep by a Vet as a result of an Illness covered by this Policy.
What is not covered
We will not pay for:
1. Any amount if the death results from a Pre-existing Condition or illness unless previously agreed by Us.
2. Any claim where Your Pet has reached the age of 9 years of age and above in the case of dogs and 11 years of age and above in the case of cats.

Section seven
7.2 Death from accident
What is covered
We will pay You the purchase price of Your Pet as declared on the statement of insurance, up to a maximum of £250 (silver), £750 (gold) or £1,500 (platinum) dependent on the cover selected, in the event Your Pet dies from Accident or in the event of humane destruction, if certified by a Vet as necessary to alleviate incurable and inhumane suffering of the Pet, due to Accident.
The cost of cremation up to £100 if Your Pet dies or is put to sleep by a Vet as a result of an Accident covered by this Policy.

Section seven
7.3 Advertising and Reward
What is covered
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper and for a suitable reward to be offered for recovery of the Pet (previously agreed with Us) up to a maximum of £1,000.

Section seven
7.3 Advertising and Reward
What is covered
If Your Pet is lost or stolen, We will reimburse You for advertising in a local newspaper and for a suitable reward to be offered for recovery of the Pet (previously agreed with Us) up to a maximum of £1,000.

Section seven
7.4 Theft and straying
What is covered
We will pay You the purchase price of Your Pet as declared on the statement of insurance up to a maximum of £250 (silver), £750 (gold) or £1,500 (platinum) dependant on cover selected, in respect of permanent loss due to Your Pet being lost or stolen and after no recovery has been made after 45 days, despite advertising and reward.

Section seven
7.6 Holiday cancellation costs
What is covered
We will reimburse You for any non-recoverable cancellation costs up to a maximum limit of £250 (silver), £1,500 (gold) or £3,000 (platinum) dependant on cover selected, (in any one Period of Insurance), in the event that in Your Vet's opinion the Pet named in the schedule requires emergency life saving surgery, within 7 days of Your departure on holiday and this necessitates cancellation or curtailment.
What is not covered
We will not pay for:
1 Non life-saving operations.
2 Any Pre-existing Condition likely to necessitate emergency life saving surgery.
3 Any costs or expenditure for any holiday booked less than 28 days prior to departure.

Section eight
8. Accidental damage
What is covered
We will pay up to £500 following accidental damage to personal property not owned by or in the custody or control of You caused by Your Pet. The payment made will take into account the pre incident age and condition of the damaged item(s).
What is not covered
We will not pay for:
1. The first £100 of each and every claim.
2. Damage to property in the ownership, custody or control of You or Your family or household or any person employed by members of Your household.
3. Damage to property in the ownership or any person entrusted with the care, control and custody of the Pet named in the schedule.
4) Any damage occurring whilst Your Pet is left Unattended.

Section ten
10.Help lines
All policies automatically include access to the following help lines:
10.3 Pet legal
Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way - available 24 hours a day, 365 days a year. Telephone: 0845 602 6764.

Section ten
10. Help lines
All policies automatically include access to the following help lines:
10.1 Healthcare away from home
If You and Your Pet are away from home whilst in the United Kingdom, Northern Ireland, Isle of Man, and Channel Islands and Your Pet needs urgent Veterinary care, the Company gives You access to Our help lines so We can identify the nearest Vet for You - Telephone: 0845 602 6764 - lines are open from 8am to 6pm weekdays and 9am to 2pm on Saturdays.

Section ten
10. Help lines
All policies automatically include access to the following help lines:
10.2 Bereavement Counselling
An understanding, confidential and professional service enabling You to talk for as long as You need about the death or illness of Your Pet. Help and advice to address the symptoms brought about by bereavement - available 24 hours a day, 365 days a year. Telephone: 0845 602 6921.

Section ten
10. Help lines
All policies automatically include access to the following help lines:
10.4 Pet Minders
This enables You to locate a registered Pet Minder (on a National basis) for either a few minutes or indeed weeks, in order to look after Your Pet while You are away. Telephone: 0845 602 6764.

Section nine
All the following benefits aer subject to full compliance with the PETS Travel Scheme
5.4 Emergency expenses cover abroad
What is covered
We will pay up to £150 (Silver), £250 (Gold) and £1,000 (Platinum) in total per trip in reimbursement for emergency expenses incurred by you. Cover is provided up to:
1 £100 (Silver), £200 (Gold) and £300 (Platinum) per trip for additional accommodation and repatriation fees incurred by You should Your Pet require emergency Veterinary Treatment which results in You missing Your return journey.
2 £150 (Silver), £250 (Gold) and £300 (Platinum) per trip in reimbursement of reasonable accommodation and transportation costs incurred by You following Your Pet becoming lost during a journey, whilst You endeavour to find Your Pet prior to Your due return date to the UK.
3 £150 (Silver), £250 (Gold) and £300 (Platinum) per trip in reimbursement of reasonable additional accommodation and transportation costs incurred by You, for up to 4 days, should Your Pet become lost or stray prior to Your return journey to the UK resulting in You remaining abroad whilst endeavouring to locate Your Pet.
All claims under this section of the Policy must be supported by all relevant receipts and evidence of expenditure. Additionally, You must notify the Police or relevant transport operator within 24 hours of the incident and obtain, at Your own expense, a written report should You wish to claim following the loss or theft of Your Pet.

Section eight
8. Accidental damage
What is covered
We will pay up to £500 following accidental damage to personal property not owned by or in the custody or control of You caused by Your Pet. The payment made will take into account the pre incident age and condition of the damaged item(s).
What is not covered
We will not pay for:
1. The first £100 of each and every claim.
2. Damage to property in the ownership, custody or control of You or Your family or household or any person employed by members of Your household.
3. Damage to property in the ownership or any person entrusted with the care, control and custody of the Pet named in the schedule.
4) Any damage occurring whilst Your Pet is left Unattended.

Section nine
All the following benefits aer subject to full compliance with the PETS Travel Scheme
9.1 Quarantine costs
What is covered
We will pay up to £150 (Silver), £500 (Gold) and £1,500 (Platinum) per trip for:
(i) Quarantine kennelling costs and costs incurred in obtaining a replacement health certificate for Your Pet should a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785 fail.
(ii)Quarantine kennelling costs should, despite compliance with the relevant regulations, Your Pet be placed in quarantine due to illness. All claims under this section of the Policy must be supported with all relevant receipts and documentary evidence that Your Pet was micro-chipped prior to your journey with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785.
What is not covered
We will not pay for:
1 Any costs incurred where it was established that the microchip was not functioning prior to departure.
2 Any costs incurred where it can be established that Your Pet was suffering from a Condition prior to departure.

Section nine
All the following benefits aer subject to full compliance with the PETS Travel Scheme
9.2 Loss of healthcare certificate
What is covered
We will pay up to £250 per trip for the cost of a replacement health certificate should the original become lost during the trip. This includes any quarantine costs incurred as a direct result of such a loss.
All claims under this section of the Policy must be supported by all relevant receipts and evidence of expenditure.
What is not covered
We will not pay for:
1 Any claims where the loss of the certificate was not reported to the issuing Vet within 24 hours of discovery.
2 Any claims where the loss of the health certificate was established prior to departure.