I've had Roo insured with Argos since February, and before that he never had any issues or anything. Yesterday he had to get a steroid shot at the vets, and vet said if redness in ears comes back he will need a longer and more intensive course of treatment, which means I'm going to get ripped off if it comes back! If it does come back and he needs more expensive treatment over a period of time, how would I get Argos to help me out? Do I claim some money back as the treatment goes on, any idea if they pay something like 20% or 50% (he has gold cover, up to £4000 vets fees a year). Also, with being a golden retriever, as Hip dysplasia can be genetic/environmental, not 100% sure etc, if Roo develops hip dysplasia, they would surely have to give me some money towards treatment, seeing as he has been insured with them since he was 7 months old, and there was no evidence to suggest he may have issues in the future with his hips? Sorry for all the q's, it dawned on me after yesterday that I have no idea how this works..