Compare Agria insurance products
Agria offers four different levels of annual vet fee cover. So, you can find the right policy for your budget and your pet's needs. Take a look at the table below to compare products and find the right one for you:
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.
7.8
/10This score shows how positive or negative the overall review feedback is on a scale from 1 (most negative) to 10 (most positive)
9.0
/10Review score
This score shows how highly reviewers have rated this pet insurance provider, with 10 being the highest score
7700
Customer reviews
£20,000
Vet fee cover
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.
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.
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
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.
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.
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.
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.
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
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.
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
Agria pays
98% of claims!
Mr Whiskers, a 5-year-old moggie with no pre-existing conditions
Cheapest quote:
£38.24 per month
Maximum vet fees:
£12,500 per year
Cover from:
8 weeks
Buster, a 3-year-old Border Terrier with no pre-existing conditions
Cheapest quote:
£74.91 per month
Maximum vet fees:
£12,500 per year
Cover from:
8 weeks
Agria offers four different levels of annual vet fee cover. So, you can find the right policy for your budget and your pet's needs. Take a look at the table below to compare products and find the right one for you:
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 |
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:
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.
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.
Agria provides flexible payment methods, allowing you to pay for the policy in one lump sum, or spread the cost across monthly instalments.
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.
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.
What types of policies does Agria offer?
Does Agria cover pre-existing conditions?
What animals does Agria cover?
Does Agria have an online claim system?
How quickly does Agria process claims?
Can Agria make a payment directly to my vet?
Does Agria offer complementary therapies?
Does Agria include third party liability as standard?
Does Agria increase premiums if I make a claim?