I took my policy out nearly five years ago and had the ultimate package (Platinum) and my dog had terrible health conditions, which were all paid promptly by Argos. She died just before her 5th birthday and Argos paid a compensatory payment towards her purchase price. This did not bring her back, but helped me purchase another pet. I wanted to renew with Argos, but could not afford them this time. They were excellent in every way and I could not fault them in the slightest.