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
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 and rabbits. Agria is passionate about providing the best healthcare for pets 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 that pet insurance should be simple and uncomplicated and because of this, it offers policies that can be adapted so that you only pay for what you need. 90% of Agria's claim handling team are veterinary trained nurses and it won the "Best pet insurance provider of the year" and the "Best claims service" at the Moneyfacts Consumer Awards in 2018 & 2019. Agria was also rated "Most Trusted Pet Insurance Provider" by the Spring 2021 Fairer Finance Customer Experience Ratings.
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. Because of this, Agria released the following statement on its website in January 2021 regarding Brexit:
"The UK left the EU on 31st January 2020 and entered the transition period which ended on 31st December 2020. During the transition period Agria Pet Insurance continued to work with the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), the UK regulators, to implement its plan to ensure your cover is unaffected by Brexit and our policies continue.
Agria Försäkring has submitted its application to the PRA to become a third country branch which we are confident will be authorised in due course. To assist firms going through the application process the PRA has agreed a temporary permissions regime for all EU insurance companies which will enable them to continue to operate in the UK post Brexit. We continue to work with the PRA to agree the next steps enabling Agria Försäkring to continue their authorisation and regulatory status.
Now that the UK has left the EU we can confirm that Agria continues to be fully committed to delivering the best pet insurance products and service for its policyholders and partners."
Agria pet insurance key features
- Lifetime pet insurance policies with up to £12,500 in vet fee cover (policy dependant)
- Pet insurance policies for dogs, cats and rabbits
- 97% of claims are paid
- 90% of the claims team hold an animal-related or veterinary qualification
- 5% multi-pet discount
- Specialist pet insurance cover for breeders
- Agria Rehoming Club
- 24-hour free pet health helpline
- £25 voucher towards your pets annual health check or vaccination (with Lifetime Plus policy)
- Free pet tag service with Pet24 for the first 12 months on the policy
- Refer a friend and both get a £20 Amazon voucher
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. For example, a French Bulldog or a German Shepherd can be insured up until its 9th birthday and a mixed breed cat can be insured up until its 11th birthday.
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 the 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:
This is the first of Agria's lifetime policies and offers vet fee cover up to £6,500 each year, which then renews annually. For more information on this policy click here.
Agira Lifetime Plus
This is Agria's more comprehensive lifetime pet insurance policy as it offers vet fee cover up to £12,500 each year, which then renews annually. For more information on this policy click 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.
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 have a Lifetime Plus 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
Agria pet insurance policy type comparison
Agria offers two 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 Plus
|Vet fee cover||£6,500||£12,500|
|Travel expenses & accommodation||£300||£300|
|Third-party liability (dogs only)||£2million||£3million|
24/7 Free pet health helpline
Pet24 free pet tag service**
*the excess, as well as a 10% co-payment, is required for each claim per condition
** 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 Plus
|Death or loss (from theft or straying)||£1,500||£2,500|
|Boarding fees and holiday cancellation costs||£1,000||£3,000|
|Cover for breeding risks and complications||£1,000||£1,000|
|Cover for death due to complications from pregnancy or birth||£1,500||£2,500|
|Overseas travel||Up to £2,000||Up to £2,000|
Agria pet insurance policy comparison for rabbits
Agria Lifetime Plus
|Vet fee cover||£1,500||£2,500|
|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
Travel expenses & accommodation
Death from illness/injury
24/7 Free pet health helpline
*you can also choose to pay an optional 10% co-payment when you submit a claim for your rabbit
How much does Agria pet insurance cost?
In the below table we have gathered quotes for a 1-year-old dog, cat and rabbit. 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 and a no co-payment option for rabbits.
Agria pet insurance policy quotes
Agria Lifetime Plus
|Vet fee cover||£6,500||£12,500|
|Co-payment**||10% for claims on dog and cat policies
0% or 10% option for rabbits
10% for claims on dog and cat policies
0% or 10% option for rabbits
*not covered for death outside the home or garden
** 0% and 20% option also available if you call Agria on 03330 30 10 00
(Quotes correct as of 24/02/22)
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. Agria rabbit policies have an excess of £75. As well as the policy excess, Agria has an option to add a co-payment to the policy. A co-payment is the percentage of the vet bill you agree to pay after your excess has been deducted when you make a claim. You can choose a percentage of 0%, 10% or 20% with Agria cat and dog policies however, when you get a quote online there is only the option for a 10% co-payment. If you would like a 0% or 20% co-payment you will need to call Agria on 03330 301 000. Agria Rabbit policies have a co-payment option of 0% or 10%.
As the pet ages, a mandatory co-payment 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, for example, English Bulldogs have a compulsory 20% co-payment applied to the insurance from the age of 9.
Does Agria pet insurance pay out claims?
If you wish to make a claim with Agria pet insurance you can do so by filling in the online claims form or your vet can submit the claim on your behalf. Claims must be submitted within the end date of the period of insurance or within 6 months of the first date of treatment. Agria claims to pay 97% of its claims and is able to deal directly with your veterinary practice if your vet is set up to do this.
In order to make a claim, you will need your policy number 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 download a form from the website and send it via post.
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 4,000 reviews. 82% of customers rated it as "Excellent" citing great customer service, an easy to understand product and website and no problems claiming. 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.
Alternatives to Agria pet insurance
In this section of the review, we compare Agria pet insurance to its competitors Petplan and ManyPets* (formally Bought by Many). 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) with no underlying health issues and living in a South East postcode. All figures are correct as of 24/02/22.
For more information on ManyPets and Petplan read our independent reviews:
You can also compare pet insurance via a comparison site such as MoneySuperMarket* or Compare the Market*. 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 or Direct Line.
Agria vs ManyPets vs Petplan
|Policy type||Lifetime plus pet insurance||Complete lifetime cover||Ultimate Lifetime|
|Excess||£105 plus 10% co-payment||£99||£110|
|Vet fee cover||£12,500||£15,000||£12,000|
|Cost per month||£52.75||£38.72||£65.30|
|Loss & theft||£1,500||£6,000||£2,000|
Free vet helpline/video calls
* Trustpilot score is based on a varying number of reviews between providers (Quotes correct as of 24/02/22)
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 and rabbits
- 0% co-payment option for cats and dogs but you need to call 03330 301 000
- Pays 97% of claims
- Online claims process
- Free 24/7 vet helpline
Agria pet insurance cons
- Do 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% co-payment for older pets
- Quite expensive in comparison to some other lifetime pet insurance providers
- 10% co-payment payable when you get your quote online (this can be reduced or increased but you need to call Agria to have it amended)
Agria* says it pays out 97% 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 percentage co-payment on an Agria pet insurance policy can also be changed but this is not clear on the website. If you wish to take advantage of a 0% or 20% co-payment then you have to call Agria to change this from the 10% default co-payment when getting a quote online. 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 of 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. Additionally, Agria pet insurance allows you to tailor your pet insurance with optional features that can be added to your policy. Choosing not to insure your pet for boarding fees or travel cover could save you money on your pet insurance premium by leaving them out of your policy.
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers - Agria, ManyPets, MoneySuperMarket, Compare the Market