In this independent review, we take a look at Agria's* pet insurance policies including the key features, the different policy types and how much an Agria pet insurance policy costs. We recommend that you read the review in full but you can skip to sections of the article via the following links:
- What is Agria pet insurance?
- Agria pet insurance key features
- What does Agria pet insurance cover?
- Agria pet insurance policy exclusions
- Agria pet insurance policy types
- Agria pet insurance policies for dogs and cats
- Agria pet insurance policies for rabbits
- How much does Agria pet insurance cost?
- Agria pet insurance policy excess
- How to make a claim with Agria pet insurance?
- Agria pet insurance customer reviews
- Alternatives to Agria pet insurance
- Agria pet insurance pros and cons
- Summary
What is Agria pet insurance?
Agria* originated in Sweden and first started offering pet healthcare in 1890. In 2009, after expanding across Europe, it came to the UK and now offers pet insurance for dogs, cats, rabbits and horses. Agria "understands that a pet is for life" and therefore only offers lifetime pet insurance policies. Lifetime pet insurance is the most comprehensive pet insurance policy type as it will cover your pet's illnesses for the duration of its life. However, lifetime pet insurance is not the only type available on the market and more information on the different types can be found in our article, 'What is pet insurance?'
According to its website, Agria believes "in a tailored approach to pet insurance" and because of this, it offers policies that can be adapted so that you only pay for what you need. Agria's claim handling team are veterinary trained nurses and are based in the UK. Agria's Lifetime, Lifetime Plus and Lifetime Premium products won Which? Best Buy pet insurance in December 2025. 90% of Agria customers renew their insurance according to data collected from October 2023 to October 2024.
Despite Agria originating in Sweden it is based and regulated in the UK, however, its insurance policies are underwritten by Agria Försäkring which is based and regulated in Sweden but they do have a UK office and are regulated by the Prudential Regulatory Authority and FCA.
Agria pet insurance key features
- Lifetime pet insurance policies with up to £20,000 in vet fee cover (policy dependent)
- Pet insurance policies for dogs, cats, rabbits, horses and service dogs
- 98% of claims are paid based on claims received in 2025
- 5% multi-pet discount
- Specialist pet insurance cover for breeders
- Agria Rehoming Club
- 24/7 vet video calls
- £25 voucher towards your pets annual health check or vaccination with their most extensive cover
- Free pet tag service with Pet24 for the first 12 months on the policy
- 20% discount on dog, cat and rabbit insurance policies for pet owners who work in rescue and rehoming organisations and veterinary professionals
- Pay monthly for no additional cost
- Offers special insurance for Pocket Bullies and XL Bullies
What does Agria pet insurance cover?
Agria* only offers lifetime pet insurance policies which is the most comprehensive pet insurance policy available and usually also the most expensive. This means that with an Agria pet insurance policy your pet is covered for any illnesses or injuries it sustains throughout the duration of its life. The other types of pet insurance not offered by Agria are maximum-benefit, time-limited and accident only, you can learn more about these in our article, 'What are the different types of pet insurance'.
Below is a brief summary of the policies on offer with Agria:
Agria Lifetime pet insurance
Agria offers four lifetime pet insurance policies with up to £20,000 of cover. The lifetime policies can be taken out for cats and dogs. Lifetime pet insurance with Agria covers vet fees up to a set limit each year and then renews annually. More information on the Lifetime policies available can be found here.
Agria Lifetime rabbit insurance
Agria* offers two lifetime insurance policy for rabbits with up to £2,500 of cover which renews annually. The policy includes 24/7 vet video calls, up to £750 complementary treatment per illness or injury, up to £200 for behavioural treatment, travel and accommodation up to £300 if your vet refers your rabbit to another vet for treatment and £250 towards finding your rabbit if it is lost or stolen.
Agira Lifetime equine insurance
Agria is the only pet insurance provider in the UK to offer lifetime equine insurance, most other policies are time-limited which means that illnesses or injuries are only covered up to 12 months after occurring. You can choose equine lifetime cover with Agria up to a value of £10,000 per policy year. More information on Agria's equine insurance can be found here.
Insurance for vets
Agria has a pet insurance scheme for vets that allows veterinary practices to offer 5 weeks of free pet insurance to cats and dogs that they treat. More information on the veterinary scheme can be found here.
Agria Rehoming Club
Agria has a pet insurance scheme for rehoming centres that allows them to offer 5 weeks of free pet insurance to pets that are rehomed from their centre, no matter the pet's age. More information on the Agria Rehoming Club can be found here.
Insurance for breeders
Agria also offers insurance for those wishing to breed their pets and can get cover for complications that may arise throughout pregnancy and birth. Breeders can also send puppies or kittens to their new homes with up to 5 weeks of pet insurance. More information on Agria's breeding policies can be found here.
Insurance for service dogs
Agria are the only UK pet insurer that provides a tailored insurance product for service dogs. The lifetime policy has vet fee cover of up to £12,500 per year and has optional extras including death from injury or illness cover, overseas cover and emergency vet fee cover while outside of the UK. More information on Agria's service dog policies can be found here.
Agria pet insurance policy exclusions
Below we briefly summarise some of the policy exclusions with an Agria pet insurance policy*. This is not an exhaustive list and for a full list of exclusions, you will need to check the policy documents carefully.
Agria pet insurance excludes cover for the following:
- Policy excess
- Pets less than 8 weeks old
- Any illness within the first 10 days of the policy
- Pre-existing conditions
- The cost of neutering and spaying
- Routine treatment such as vaccination or worming (however if you take out their most extensive policy you will get an annual £25 voucher to go towards the cost of routine care)
- Dogs used to guard, race or for security
- A claim will not be valid if your pet is lost or stolen and you cannot provide the microchip number
- Dogs registered under the Dangerous Dogs Act 1991 and the Dangerous Dog Act (Northern Ireland) Order 1991 or any amendments except an XL Bully or XL Bully type dog with a valid exemption certificate issued by DEFRA
Agria pet insurance policy type comparison
Agria offers four lifetime pet insurance policies and in the below comparison tables, we highlight the key differences between the policies available for cats, dogs and rabbits.
Agria pet insurance policy comparison for dogs and cats
| Agria Lifetime Lite | Agria Lifetime |
Agria Lifetime Plus
|
Agria Lifetime Premium | |
| Vet fee cover | £3,000 | £6,500 | £12,500 | £20,000 |
| Excess | Cats: £95/£170 Dogs: £105/£170 |
Cats: £95/£170 Dogs: £105/£170 |
Cats: £95/£170 Dogs: £105/£170 |
Cats: £95/£170 Dogs: £105/£170 |
| Optional variable excess | 0%, 10% or 20% | 0%, 10% or 20% | 0%, 10% or 20% | 0%, 10% or 20% |
| Advertising | £1,000 | £1,000 | £1,500 | £1,500 |
| Travel expenses & accommodation | £300 | £300 | £300 | £300 |
| Third-party liability (dogs only) | £1 million | £2 million | £3 million | £3 million |
|
24/7 Free pet health helpline/video calls
|
Yes | Yes | Yes | Yes |
|
Free Pet24 Reunite service
|
For first 12 months |
For first 12 months
|
For first 12 months
|
For first 12 months
|
Agria pet insurance optional extras
If you wish to insure your cat or dog with an Agria lifetime* pet insurance policy then there is also the option to add the following extras to the policy. This allows you to tailor your policy to suit your needs and means you do not have to pay for cover you do not require. These optional extras can only be added at the start of a policy year.
| Death from illness or injury or loss from theft or straying | £2,500 |
| Boarding fees (due to you or family member being hospitalised) | £2,000 |
| Holiday cancellation costs | £3,000 |
| Cover for breeding risks and complications | £1,000 |
| Cover for death due to complications from pregnancy or birth | £2,500 |
| Overseas travel¹ | up to £2,000 |
¹Not available for indoor cats
Agria pet insurance policy comparison for rabbits
| Agria Lifetime |
Agria Lifetime Plus
|
|
| Vet fee cover | £1,500 | £2,500 |
| Fixed excess | £75 | £75 |
| Complementary treatment (such as physiotherapy) | £750 per illness or injury |
£750 per illness or injury
|
| Optional variable excess¹ | 10% |
10%
|
| Clinical diet | 50% of costs (up to £200) per illness or injury |
50% of costs (up to £200) per illness or injury
|
| Behavioural disorder | £200 per disorder |
£200 per disorder
|
| Advertising | No cover | £250 |
|
Travel expenses & accommodation
|
No cover | £300 |
|
Death from illness/injury
|
No cover | £100 |
|
Boarding/Minding fees
|
No cover | £250 |
|
24/7 Free pet health helpline/video calls
|
Yes | Yes |
|
Cost for 1 year old medium sized cross breed rabbit²
|
£16.04 per month | £24.04 per month |
¹If you choose to have a variable excess, on your first claim for a condition you will be required to pay your fixed excess and then 10% of the remaining claim. However if you then go on to make a further claim in the same policy year for the same condition you will just need to pay the 10% variable excess
²based on a rabbit living in a SE postcode with £75 fixed excess and no variable excess (quotes correct on 14/05/26)
How much does Agria pet insurance cost?
In the below table, we have gathered quotes for a 1-year-old medium sized cross breed dog and cat. The quotes are generated based on a South East England postcode. For the purpose of the table, the cost is based on the lowest excess option with no voluntary co-payment and don't include any optional extras.
Agria pet insurance policy quotes
| Agria Lifetime Lite | Agria Lifetime | Agria Lifetime Plus | Agria Lifetime Premium | |
| Vet fee cover | £3,000 | £6,500 | £12,500 | £20,000 |
| Excess | Cats: £95 Dogs: £105 |
Cats: £95 Dogs: £105 |
Cats: £95 Dogs: £105 |
Cats: £95 Dogs: £105 |
| Dogs | £59.77 | £78.68 | £102.65 | £128.76 |
| Outdoor cats | £32.65 | £44.21 | £54.41 | £61.49 |
| Indoor cats¹ | Not available | £41.12 | £50.40 | Not available |
¹not covered for injury or death outside the home or secured garden (Quotes correct as of 14/05/26)
Agria pet insurance policy excess
Agria has the option of two policy excesses for its cat and dog policies. The higher excess option is £170 and the lower excess option is £95 for cats and £105 for dogs. As well as the fixed excess, you can choose to pay a 10% or 20% variable excess. The variable excess is similar to a co-payment where you are charged your chosen percentage of the remaining vet bill once the fixed excess has been deducted. If you then go on to make additional claims for the same condition in the same policy year, Agria only charges the variable excess for these further claims. So you are only paying the fixed excess once per condition per policy year.
Agria Rabbit policies have a fixed excess of £75 and the option to pay a variable excess of 0% or 10% If you choose to pay a 10% variable excess then as per the cat and dog insurance policies you will pay the fixed excess and the variable excess for your first claim for a condition and then just the variable excess for further claims for that condition in that policy year.
As your pet ages, a mandatory variable excess of 20% is applied for older pets "to help minimise age-related premium inflation". The age from which this is applied varies depending on the type and breed of your pet.
How to make a claim with Agria insurance
Agria says the easiest way to submit your claim is via your vet. They can use the Vet Envoy or Teleos portals to do this. If your vet doesn't use Vet Envoy or you'd prefer to submit the claim yourself you can fill out an online claim form. In order to make a claim, you will need your policy number, your pet's clinical history from your vet as well as information about the claim including dates of treatment and receipts.
If you have any questions about your claim you can call 03330 308399 or email [email protected].
Claims must be submitted within the end date of the period of insurance or within 6 months of the first date of treatment, whichever is the latter.
Agria pet insurance customer reviews
Agria* pet insurance has a rating of "Excellent" on Trustpilot with a score of 4.8 out of 5.0 stars from over 11,600 reviews. 85% of customers rated it as 5 stars citing polite, helpful and understanding customer service, an easy to use claims process and no problems with claims being paid. 4% rated it as "Bad" and saying they were unhappy with outcome of their claim and high premium increases upon renewal.
Alternatives to Agria pet insurance
In this section of the review, we compare Agria pet insurance to two of its competitors ManyPets and Petplan.
You can also compare pet insurance via a comparison site such as MoneySuperMarket*. Comparison sites allow you to easily compare a multitude of pet insurance providers to find a policy that suits your pet. One thing to consider is that not all comparison sites are whole of market so you may be able to get a better deal elsewhere with a provider that does not feature on comparison sites such as Petplan. Our article, 'Best pet insurance in the UK in 2026' compares some of the best pet insurance providers.
ManyPets
Like Agria*, ManyPets only offers lifetime insurance but it differs in that it has a specific policy for pets with pre-existing conditions. The standard lifetime cover ranges from £3,000 to £20,000 per year. With ManyPets you have a choice of excess and can also choose to pay a 10% or 20% co-payment to help bring the cost of your insurance premium down. Like Agria, ManyPets doesn't have an upper age limit when taking out a new policy but there is a compulsory co-payment when your pet ages. ManyPets offers a discount if you are insuring more than one pet and it is a generous 15% and if you are switching to ManyPets from another insurer you will receive continuous cover for your pet (terms apply). For more information read our ManyPets insurance review.
Petplan
Petplan has a choice of lifetime and time-limited pet insurance. There is an upper age limit if you are looking to take out a lifetime insurance policy but not with the time-limited cover. The maximum veterinary cover with Petplan is not as high as Agria with the maximum amount being £12,000 per year. Petplan have a fixed excess and no voluntary co-payment but there is a compulsory co-payment as your pet ages. Like Agria it is one of the more expensive insurance providers but it's website claims they pay out on 97% of claims submitted. Read more about Petplan in our Petplan insurance review.
Agria vs ManyPets vs Petplan
| Agria* | ManyPets | Petplan | |
| Policies offered | Annual limit lifetime | Annual limit lifetime | Annual limit lifetime and time-limited |
| Option to pay no excess | No | No | No |
| Covers pre-existing conditions | No | Yes | No |
| Upper age limit for taking out new policies | No | No | Yes for lifetime insurance policies
No for time-limited insurance policies |
| Offers vet video calls | Yes | Yes | Yes |
| Compulsory co-payment | 20% age and breed dependent | 20% when your pet turns 7 | 20% age and policy dependent |
| Offers multi-pet discount | Yes | Yes | Yes |
| Trustpilot Score | 4.8/5.0 | 4.5/5.0 | 4.5/5.0 |
| More information | ManyPets pet insurance review | Petplan pet insurance review |
Agria pet insurance pros and cons
Agria pet insurance pros
- Offers lifetime pet insurance policies which is the most comprehensive cover for your pet
- Pays 98% of claims
- Free 24/7 vet helpline
- No additional cost for paying monthly
Agria pet insurance cons
- Compulsory 20% variable excess for older pets
- Can be expensive in comparison to some other lifetime pet insurance providers especially for dogs
- Need to pay extra for certain cover (such as death from illness and accident) that other providers include as standard
Summary
Agria* says it pays out 98% of its pet insurance claims and its standout feature is the ability to offer insurance cover for those who breed from their pet. Most insurers do not offer cover for breeding due to complications caused by pregnancy or birth. Agria also offer insurance for XL Bully dogs (terms apply).
It has a good range of vet fee cover and flexibility with optional extras so you are only paying for what you need. The policies do tend to be one of the most expensive on the UK market, particularly when it comes to dogs. However there are some great reviews on Trustpilot from customers who have claimed and Agria state that 90% of its customers renew their insurance which would indicate policy holders are happy.
As with all pet insurance policies it is advisable to shop around to ensure you are getting the best cover for your pet. Our article, 'Best pet insurance in the UK in 2026' compares some of the best pet insurance providers in the UK.
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