Agria

For over 130 years, Agria Pet Insurance has been dedicated to protecting the health and happiness of pets, providing exceptional coverage with a focus on lifetime care. As one of the UK’s most trusted pet insurers, Agria has long understood that pets are family, and their approach to policy reflects that.

With policies tailored to meet the needs of pet owners who want comprehensive, long-term protection, Agria is there to support you through every stage of your pet's life. From routine check-ups to unexpected emergencies, Agria’s commitment to quality care ensures that your pet can enjoy a healthy, happy life by your side.

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Trusted by 1000s of pet owners

6.3

/10

Sentiment Score

9.0

/10

Review score

7700

Customer reviews

Up to

£20,000

Vet fee cover

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Insurance products by Agria

Lifetime dog insurance

Agria offers lifetime coverage as standard — this ensures your dog is covered for accidents and illnesses as long as the policy remains active. A lifetime policy provides owners with a level of security and comfort that may not be present on different policies, such as time-limited pet insurance.

What’s included?

Comprehensive cover for illnesses or conditions arising during the policy year.
Free 24/7 access to expert veterinary advice via video calls.
Up to £1,500 towards finding your lost pet, including advertising and reward costs.
Coverage for visits to a certified behavioural specialist for issues such as barking or destructive chewing.
Pet 24 Reunite Service: a free service for the first 12 months to quickly reunite lost pets with their owners.

Flexible levels of cover for your pet

Customers can choose from four levels of lifetime cover:

Lifetime Lite: vet fees covered up to £3,000 per year
Lifetime: vet fees covered up to £6,500 per year
Lifetime Plus: vet fees covered up to £12,500 per year
Lifetime Premium: vet fees covered up to £20,000 per year

Will making a claim affect my premium?

No, Agria stands out by not increasing your premium due to claims. They believe this approach encourages pet owners to seek veterinary care when needed, without worrying about rising costs.

Are there any exclusions?

Agria won’t cover treatment for:

Illnesses and injuries that first showed signs before the policy began
Illness that occurs in the first 10 days of your policy
A recurrence of a pre-existing condition or illness
Vaccine-preventable conditions
Breeding, pregnancy or birthing if your dog is pregnant at the start of the policy, or became pregnant within the first 12 weeks
Dental treatment if your dog has not had regular dental checks

Agria can provide coverage for certain standard policy exclusions, such as breeding risk costs, death or loss from theft, overseas travel cover and more in the form of optional extras.

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Lifetime cat insurance

Agria’s lifetime cat insurance ensures your cat is covered year after year, regardless of the challenges you may face as a pet owner. As long as the policy is renewed annually, you’ll have access to the best treatments available for your cat, even if they develop a chronic or long-term illness.

What’s included?

Cover for illnesses and conditions that develop within the policy year.
24/7 access to free video vet consultations.
Up to £1,500 for lost pet recovery efforts.
Up to £750 for behavioural consultations if needed.
Pet 24 Reunite Service: A fast, free way to find lost cats, included for the first year.

What levels of cover are available?

Customers can choose from four types of lifetime cover:

Lifetime Lite: vet fees up to £3,000 per year
Lifetime: vet fees up to £6,500 per year
Lifetime Plus: vet fees up to £12,500 per year
Lifetime Premium: vet fees up to £20,000 per year

Will making a claim affect my premium?

Agria stands out by not increasing your premium due to claims. They believe this approach encourages pet owners to seek veterinary care when needed, without worrying about rising costs.

Are there any exclusions?

Agria won’t cover treatment for:

Pre-existing conditions
Illness that occurs in the first 10 days of your policy
The cost of routine pet care (vaccinations, check-ups)
Vaccine-preventable conditions
Dental treatment if your cat has not had regular dental checks

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Did you know?

Agria pays
98% of claims!

Quotes our team received

Cheapest quote:

£38.24 per month
Maximum vet fees:

£12,500 per year
Cover from:

8 weeks

Cheapest quote:

£74.91 per month
Maximum vet fees:

£12,500 per year
Cover from:

8 weeks

Vet fees	£3,000	£6,500, £12,500 and £20,000
Vet fees per year	£3,000	£6,500, £12,500 or £20,000
Excess Per condition, per year	variable	variable
Percentage contribution	10-20%	10-20%
Complementary treatment As part of your vet fee cover	Up to £1,000	Up to £2,500
Travel and Accommodation	Up to £300	Up to £300
Advertising and Reward	Up to £1,250	Up to £1,750
Theft or straying	Up to £1,500	Up to £2,000
Third party liability Dogs only	£1,000,000	£3,000,000

Customer Reviews

Kate Dummer

Cover Purchased

Reviewed without invitation

Reviewed the Service experience on 17 Nov 2020

5 out of 5 paws

Top Marks

Great company easy to deal with - pay direct to vet and competitive prices with good cover.

Connor Dobinson

Cover Purchased

Reviewed without invitation

Reviewed the Service experience on 27 Aug 2020

1 out of 5 paws

Bad

Horrible do not recommend

Reply by Compare By Review

Sorry to hear you had a negative experience with Agira, Connor.

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Making a claim

Lodging a claim as an Agria pet insurance policy holder is intuitive and easy. They offer multiple ways to claim: through the vet directly, online, by post, or pre-authorised.

The process starts with obtaining the claim form from Agria’s website. You can either get the vet to fill it out, or do it yourself. Here’s what will need to be included in the claim:

1. Veterinary history

Upon making your first claim, Agria requires a full clinical history for your pet from all vets past and present.
2. Vet assessment

A breakdown of what treatment was provided to your pet, along with invoices for the treatment date(s) you’re claiming.

The claims admin team will then assess your claim to verify all of the necessary documentation has been provided. In most cases, claims are processed within ten business days, and you can expect reimbursement within five days of the claim being finalised.

Other things to consider

Changes to your premium

Several factors can influence the cost of your pet insurance premium when you first take out a policy with Agria. These include:

Age: younger pets often have lower premiums due to fewer health issues.
Breed: some breeds are predisposed to certain health conditions, which can impact costs.
Location: veterinary fees vary by region, affecting premium costs.
Coverage level: more extensive coverage results in a higher premium.

Agria’s premiums are fixed for the first 12 months of your policy, and they’re reviewed annually. However, claiming on your policy won’t result in your premium being updated — that’s a core part of Agria’s service. The premium may change for certain specific reasons:

Changes in the overall costs required to run the business.
Adjustments based on claims performance and scheme evaluation.
Alterations to your circumstances, such as change of address or the age of your pet.
Any updates to the Insurance Premium Tax (IPT) rate.

Payment options

Agria provides flexible payment methods, allowing you to pay for the policy in one lump sum, or spread the cost across monthly instalments.

Breaking down insurance excess

The excess is the amount you’re responsible for paying towards each claim you make. You’ll choose your excess amount when assembling your policy, and the general rule of thumb is the higher the excess, the lower the policy cost overall.

A fixed excess is the amount you’ll pay once per policy year for each condition your pet is treated for. The percentage or variable excess is applied after the fixed excess is subtracted, along with any other relevant deductions from your claim.

Contact Agria

If you want to speak to a member of the Agria team about a new policy, you can contact them on 03330 30 10 00. Lines are open Monday to Friday, 9 am to 6 pm.

FAQs

What types of policies does Agria offer?

There are four types of lifetime insurance policies that Agria offers, ranging from £3,000 up to £20,000 in annual vet fee cover. These policies can be taken out for your cat, dog, horse or rabbit.
Does Agria cover pre-existing conditions?

Agria doesn’t currently offer cover for pre-existing conditions.
What animals does Agria cover?

Agria provides cover for cats, dogs, horses and rabbits.
Does Agria have an online claim system?

Yes, although they suggest claiming directly through your vet is the quickest and most efficient way to start the claims process.
How quickly does Agria process claims?

It can take up to 15 working days for Agria to process a claim.
Can Agria make a payment directly to my vet?

Yes, Agria may be able to pay your vet directly, although you can ask to receive reimbursement yourself if that is preferred.
Does Agria offer complementary therapies?

Agria’s cheapest tier of service, Lifetime Lite, offers up to £1,000 towards complementary therapy. That number rises to £1,500 with the more comprehensive policy options.
Does Agria include third party liability as standard?

Agria offers up to £1,000,000 in third party liability cover for dogs. This number rises up to £3,000,000 with their more comprehensive policy options.
Does Agria increase premiums if I make a claim?

Nope. Agria pride themselves on the fact that they won’t bump up your premium when you claim. They do this to provide a more cost-effective customer experience, and also so as not to disincentivise owners from seeking treatment for their pets.