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
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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 Premium products won Which? Best buy Dog and Cat insurance in January 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 between May and October 2023
- 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
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.
Agria does impose some age limits on pets it insures. The maximum age limit varies depending on the type and breed of the pet. However, if your pet has been insured with Agria prior to reaching the maximum age limit then it will still be insured for any conditions that have previously been claimed for, for the duration of its life or for the remainder of the policy. Agria does not impose a maximum age limit if you are rehoming a pet via the Agria Rehoming Club.
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, 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 puppies and kittens 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. They also offer 20% discount of their Lifetime insurance policies for cats, dogs and rabbits for everyone who works in a rescue or rehoming centre if they are a new Agria customer.
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..
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
- An 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 following breeds: African Boerboel, Alapaha Blue Blood Bulldog, American Bull Terrier, American Bulldog, American Bully, American Pitbull Terrier, Bully Kutta, Cane Corso, Caucasian Shepherd, Czechoslovakian Wolfdog, Dogo Argentino, Fila Brasileiro, Japanese Tosa, Perro De Presa Canario (Canary Dog), Saarloos Wolfdog, Thai Ridgeback, any wolf hybrid and any cross with any of these listed breeds
Agria pet insurance policy type comparison
Agria offers up to three lifetime pet insurance policies and in the below comparison tables, we highlight the key differences between the policies available for cats, dogs and rabbits. One thing to highlight about Agria pet insurance policies is their variable excess. There is a set 10% variable excess on top of the fixed excess although this can be changed if you call Agria on 03330 30 82 69. 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, i.e. 10% of the claim..
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 |
| Variable excess^ | 10% | 10% | 10% | 10% |
| 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^^
|
Yes | Yes | Yes | Yes |
^The variable excess can be changed if you call Agria on 03330 30 82 69
^^free for the first 12 months on the policy
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:
| Agria Lifetime Lite | Agria Lifetime | Agria Lifetime Plus | Agria Lifetime Premium | |
| Death from illness or injury or loss from theft or straying | £1,500 | £1,500 | £2,500 | £2,500 |
| Boarding fees (due to you or family member being hospitalised) | £1,000 | £1,000 | £2,000 | £2,000 |
| Holiday cancellation costs | £1,000 | £1,000 | £3,000 | £3,000 |
| Cover for breeding risks and complications | £1,000 | £1,000 | £1,000 | £1,000 |
| Cover for death due to complications from pregnancy or birth | £1,500 | £1,500 | £2,500 | £2,500 |
| Overseas travel | up to £2,000 | up to £2,000 | up to £2,000 | up to £2,000 |
Agria pet insurance policy comparison for rabbits
| Agria Lifetime |
Agria Lifetime Plus
|
|
| Vet fee cover | £1,500 | £2,500 |
| Excess^ | £75 | £75 |
| Complementary treatment (such as physiotherapy) | £750 per illness or injury |
£750 per illness or injury
|
| Hydrotherapy | 20 sessions per illness or injury |
20 sessions per illness or injury
|
| 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 rabbit ^^
|
£16.04 | £24.04 |
^you can also choose to pay a 10% variable excess ^^ based on a rabbit living in a SE postcode with £75 fixed excess and no variable excess (quotes correct on 04/10/24)
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.
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 |
| Variable excess | 10% | 10% | 10% | 10% |
| Dogs | £38.38 | £48.10 | £62.77 | £78.66 |
| Outdoor cats | £22.19 | £27.83 | £34.24 | £38.74 |
| Indoor cats^ | Not available | £26.17 | £32.18 | Not available |
^not covered for injury or death outside the home or garden
(Quotes correct as of 04/10/24)
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, Agria imposes a 10% variable excess. The 10% variable excess is similar to a co-payment where you are charged 10% of the remaining vet bill once the fixed excess has been deducted. However where it differs is 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. The 10% variable excess is standard but you do have the option to pay 0% or 20% but you will need to call Agria on 03330 308 269 to discuss this.
Agria Rabbit policies have a fixed excess of £75 and the option to pay a variable excess of 0% or 10%
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 portal 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 do not wish to fill out the online claim form, you can call 03330 30 1000 and you will be sent a claim form via the post.
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 4.7 out of 5.0 stars from over 8,000 reviews. 83% 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 most commented that they were dissatisfied with the cost of the premium increase when it came to renewing the policy and difficulties with logging on to their accounts.
Alternatives to Agria pet insurance
In this section of the review, we compare Agria pet insurance to its competitors ManyPets* and Petplan. In the below comparison table, we compare the most comprehensive pet insurance policy that each pet insurer offers. The quotes are based on a 1-year-old dog (medium-sized mongrel) and cat (moggy) with no underlying health issues and living in a South East postcode.
You can also compare pet insurance via a comparison site such as Quotezone* or 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 Direct Line. Our article, 'Best pet insurance in the UK' compares some of the best pet insurance providers.
Agria vs ManyPets vs Petplan
| Agria* | ManyPets* | Petplan | |
| Policy type | Lifetime Premium | Complete lifetime cover | Covered For Life 12k |
| Excess | £105 plus 10% variable excess for dogs £95 plus 10% variable excess for cats |
£99 | £110 for dogs £95 for cats |
| Cost per month for 1-year-old dog | £78.66 | £42.35 | £57.21 |
| Cost per month for 1-year-old cat | £38.74 | £33.08 | £37.18 |
| Vet fee cover | £20,000 | £15,000 | £12,000 |
| Public liability (dogs only) | £3 million | £2 million | £2 million |
| Loss & theft | £2,500 | £6,000 | £3,000 |
|
Free vet helpline/video calls
|
Yes | Yes | Yes |
| Trustpilot Score | 4.7/5.0 | 4.0/5.0 | 4.7/5.0 |
| More information | ManyPets pet insurance review | Petplan pet insurance review |
(Quotes correct as of 07/10/24)
Agria pet insurance pros and cons
Agria pet insurance pros
- Only offers lifetime pet insurance policies which is the most comprehensive cover for your pet
- Offers cover for cats, dogs, rabbits and horses
- 0% variable excess option for cats and dogs but you need to call 03330 308 269
- Pays 98% of claims
- Online claims process
- Free 24/7 vet helpline
Agria pet insurance cons
- Does not insure some pets once they reach a certain age (You will need to contact Agria to find out the age limit for your pet as this varies based on the type and breed of the pet)
- Compulsory 20% variable excess for older pets
- Can be expensive in comparison to some other lifetime pet insurance providers especially for dogs
- 10% variable excess payable when you get your quote online (this can be reduced or increased but you need to call Agria to have it amended)
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.
The variable excess on an Agria pet insurance policy is an interesting feature. Unlike providers who charge a co-payment with their annual limit lifetime policies where the co-payment is payable along with the excess for every claim made in a policy year, Agria only impose the fixed excess and variable excess for the first claim in the policy year. Any additional claims for the same condition that policy year are only charged the variable excess. The default for this variable excess is 10% and it isn't possible to change this when quoting online. If you wish to take advantage of a 0% or 20% variable excess then you have to call Agria to change this. The maximum age limits and claim restrictions for older pets are also not clear on the Agria website and you will need to call for more information to find out the age at which restrictions are enforced for your particular breed of pet.
Overall, I really like the fact that Agria only offers lifetime pet insurance policies as this ensures your pet is better protected because it is the most comprehensive pet insurance policy available and they do have some great reviews from customers who have claimed. Additionally, Agria pet insurance allows you to tailor your pet insurance with optional features that can be added to your policy which means you do not have to pay for cover you do not want/need. However they do tend to be one of the more expensive providers on the market.
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