Agria Pet Insurance Review: Great Value for Your Dog or Cat

Agria Pet Insurance Review: Great Value for Your Dog or Cat

Some of the best Lifetime pet insurance plans for sensible prices.

Good for

  • Good value
  • Dental cover
  • Having a long time to claim
  • Out-of-hours cover
  • Euthanasia cover
  • Sensible terms
  • Customizable cover
  • Winner of Moneyfacts Consumer Award 2018 and 2019 for "Best Claims Service"
  • 97% of claim paid

Bad for

  • Variable % excess/copay in addition to a fixed excess
  • Older pets can't sign up

Editor's Rating

4.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Is Agria pet insurance any good? They generally have rave customer reviews and a solid set of features, but there are some drawbacks to learn about before you decide if Agria is the best pet insurance for you.

In This Review

There is no one "best" pet insurance—the best for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you learn about pet insurance and narrow down your choices.

Agria Pet Insurance Review

Agria is a Pet Insurance specialist with 125 years of experience, a UK-based staff and industry partnerships—and one of our favourite pet insurers. Compared to the dozens of insurers we've researched, we think Agria provides the kind of cover you'd want for a beloved pet—their terms and conditions seem very sensible, plus while their prices are not cheap, they are competitive for what you get.

Agria only insures pets using Lifetime cover—arguably the best type of pet insurance. Agria's Lifetime plans are just about the most comprehensive in the market, and include the following features as standard:

  • dental illness AND injury
  • a 24-hour vet line advice
  • euthanasia
  • farewell cover
  • EU travel
  • prescription food
  • advertising & reward
  • travel expenses to see a referral vet
  • third party liability

A number of features are available as optional add ons, which means pet owners who don't want these features don't have to pay for them and can get a cheaper premium. Optional features include Death and Loss, Travel, Boarding and Holiday Cancellation.

In addition to offering solid cover to help pay the vet fees when your pet is injured or falls ill, we found that, generally speaking, Agria's exclusions are less restrictive than some other insurers. For instance, take the situation where your pet falls ill late at night outside of your vet's normal hours but you're worried enough to take him/her to a 24-hour vet. Agria's terms & conditions basically state that they'll cover this scenario (details below), versus many insurers that state out-of-hours treatment is only covered if your pet falls ill with a life-threatening condition. When your pet falls ill at 11 p.m. you shouldn't have to wonder if your insurance will cover for veterinary treatment.

While of course there are exclusions, there is nothing highly unusual that we noticed relative to other pet insurers. It's always a good idea to read through the terms & conditions yourself, however, to pinpoint any exclusions that may apply to you and your pet. Like most pet insurers, Agria will pay your vet directly, provided your vet is in agreement.

Why Agria Might Not Be For You

One of the primary reasons that Agria might not suite some people is the 10% copay that's payable by pet owners in addition to the fixed excess as standard. Apparently you can call to negotiate a 0% or 20% variable excess instead, which would serve to raise or lower the premium, respectively. There are two choices of fixed excess, as you can see below, both of which incorporate a copay element:

Standard Excess
Dog
  • £95 + 10% of remaining vet fees for each condition, each policy year
  • £160 + 10% of remaining vet fees for each condition, each policy year
Cat
  • £85 + 10% of remaining vet fees for each condition, each policy year
  • £160 + 10% of remaining vet fees for each condition, each policy year

The 10% copay amount is calculated after the fixed amount has been deducted. Here is an example:

Agria Excess/Copay Example
Vet Fees£500
Fixed Excess£95
10% Copay10% of £405 = £40.50
Pet owner pays£95 + £40.50 = £135.50 out of £500
Agria pays£364.50 out of £500

If you're trying to decide which fixed excess amount is more suitable, consider how many times you expect to claim a year and the amount you'll save in premium by choosing the higher £160 excess amount. Generally speaking, we've found that if you'll claim once per year (or not at all) then it ends up cheaper to go for the higher fixed excess/lower premium option; if you'll claim 2 or more times per year then you'll save more with the lower excess/higher premium option.

Agria Pet Insurance Key Facts

  • Occasional Promotion: 50% off first two months
  • Choice of two Lifetime plans: £6,500 or £12,500 of vet cover
  • 97% of claims paid (direct to vet possible)
  • Can pay direct to vet
  • 6+ months to submit claims (the latter of 6 months and the end of your policy year)
  • A copay/variable excess (standard is 10% but you can also choose 0% or 20% by calling) taken after fixed excess of £95 or £160
  • 24-hour Pet Health Helpline

Customer Reviews and Ratings

Agria Customer Reviews and Ratings
Trustpilot customer reviews4.7 out of 5
Defaqto Feature Ratings (out of 5)
Lifetime and Lifetime Plus (no options)3 stars
Lifetime and Lifetime Plus (all options)5 stars

Agria is rated highly be existing customers, 2,000 of whom have rated their pet insurance with 4.7 out of 5 stars on Trustpilot. 80% of customers rated Agria as "Excellent" and only 4% have rated Agria as "bad"—these are very good metrics compared to other pet insurance companies.

Complaints range from prices increasing at renewal (this is common across the industry because pets tend to have more health problems as the get older) or customer being unhappy with the excess. Here are some real customer comments:

"Agria provided a very good range of different life time covers at very competitive prices and I understand they have a very solid pet insurance background."

"Had to make claim last year dealt with friendliness and very quickly."

"Used this company for my previous two dogs so they were the obvious choice this time."

"Fabulous Insurance cover at very reasonable prices."

"Try as I might I can not stop all the messages and emails I keep getting."

"Check out the small print (regarding) the excess..."

"Agria is one of those insurance companies that will delve into your pet’s medical history..."

Agria Price Comparison

We've researched prices from dozens of pet insurance policies, and found that Agria policies offer very good value for money. Here are some sample prices for Lifetime cover for a young, healthy cat and dog for Agria's two Lifetime plans and the market average, for comparison purposes.


Agria Lifetime £12,500Agria Lifetime £6,500Market Average Lifetime (~£6,500 of cover)
Excess/Copay£85 (cat)/£95 (dog) + 10%£160 + 10%£85 (cat)/£95 (dog) + 10%£160 + 10%£133
Dog - Annual Premium£449£360£344£276£390
Cat - Annual Premium£398£318£323£259£358

Keep in mind that Agria's standard 10% copay means you'll pay more out of pocket towards any reimbursable claims. So while Agria premiums are lower than the average cost of pet insurance for the level of cover for both dogs and cats, Agria will contribute less towards vet fees. It's a trade off that may or may not work for you.

chart showing a comparison of lifetime dog and cat pet insurance for Agria versus market averages
Agria prices are lower than average for the level of cover

If Agria plans are outside of your budget, there are many cheap Lifetime pet insurance options available in the UK that you may find more suitable.

FAQs

We really like Agria's approach to out-of-hours care. They will pay vet fee claims arising from an injury or illness that happens/shows the first clinical signs or significantly deteriorates after 6 pm and before 8 am, during a weekend or during a bank holiday.
Agria gives policyholders a generous amount of time to submit claims—the latter of 6 months from treatment or the end of your policy period. This means you'll have between 6 months and a year to submit claims, depending upon when a treatment falls in your policy cycle.
While at times Agria may offer age amnesties during which they'll offer new policies to pets of any age, generally speaking Agria won't sell new policies to dogs once they hit 9 years of age and cats at 10 years of age (i.e., they become "older" pets). Some breeds might face even lower "older" pet age cut offs. Once your pet is insured with Agria, however, you can continue to renew after these age cutoffs, but the premiums may rise, there may be a mandatory 10% or 20% variable excess imposed and death due to illness cover will be discontinued.
Agria offers amongst the shortest waiting periods, with illnesses being covered after 10 days and injuries covered immediately. It is common for pet insurance to not start right away—that is, illnesses and injuries that show signs in the first few days or weeks after your policy started are not covered. This means your pet isn't covered if they become ill or injured during this waiting period, even though you have insurance.
Yes, you can cancel Agria pet insurance for a fee of £25. If a claim has been settled then you're responsible for the whole premium (if you paid upfront you won't get a refund; if you pay monthly you must pay the remaining premium). Otherwise, you should get a pro-rata refund of any premium paid.

Agria Notable Features

Below is a brief overview of the more notable features of Agria dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.

Agria Pet Insurance Features
Dental CoverCover for dental injuries and illnesses, provided your pet had a dental exam by a vet in the 12 months leading up to the injury/illness
Holiday CancellationOPTIONAL Cover for the cost of travel and accommodation expenses you lose up to £1,000 or £3,000, depending on plan, if you have to cut short/cancel a trip because you pet needs emergency lifesaving treatment and/or surgery while you're on holiday or in the 7 days before your holiday starts
Boarding Fees if You're UnwellOPTIONAL Boarding costs up to £1,000 or £2,000, depending on plan, if you or an immediate family member are in hospital for 3 or more consecutive days, excluding:
  • Medical conditions that existed before your policy started
  • When a member of your family can look after your pet
  • If you go into a nursing home, are convalescing or in rehab outside of a hospital
Death and LossOPTIONAL cover for the purchase price up to £1,500 or £2,500, depending on plan, if your pet strays or is lost, stolen or sadly dies from illness or injury
TravelOPTIONAL Cover for up to 120 days per policy year when travelling to member countries in the EU through the PETS travel scheme; provides up to £2,000 for emergency expenses, money towards a replacement pet passport and quarantine costs.
Congenital & Hereditary DiseasesThese are not excluded, so long as your pet showed no signs before your policy started or in the first 10 days of the policy
Prescription Diets50% of the cost, up to £250 per injury/illness over life of pet
Cremation and BurialUp to £150
EuthanasiaCovered
Pet Health HelplineAgria's 24-hour vetline can be reached at 0333 0332 1947 when you need advice regarding your pet's health

To give you an idea of the costs of the optional extras, we've gathered sample quotes for a healthy, young animal.

Approximate Additional Annual Costs
Death and LossOverseas TravelBoarding Fees/Holiday Cancellation
Dog£23£14£14
Cat£12£5£5

Agria Coverage Amounts

Policy Name:Lifetime £12,500Lifetime £6,500
Veterinary Fees, up to£12,500£6,500
Third Party Liability, up to£3,000,000£2,000,000
Advertising, up to£1,500£1,000
Travel or Accommodation, up to£300£300

How does Agria Insurance Compare to Competitors?

To better understand the value of Agria pet insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Agria Insurance vs PetPlan Pet Insurance

PetPlan Pet Insurance is the largest insurer of dogs and cats in the UK. Due to this, many vets are accustomed to submitting claims on behalf of pet owners, which might make getting reimbursed a bit easier. PetPlan policies include dental illness and injury but don't cover euthanasia. However, older pets (i.e., dogs aged 5 or 8 depending on breed, cats aged 10) are not eligible for new Lifetime policies and can only sign up for a Time Limited policy.

Bottom Line: If you want a lower upfront premium, Agria can be a good option with its 10% variable excess—but you'll have to pay a larger share of any vet bills that arise as a result.

Agria Insurance vs John Lewis Pet Insurance

John Lewis Pet Insurance offers comprehensive Lifetime plans with £3,000, £7,500 or £12,000 of vet cover. Pet owners have a long time to submit claims and have their choice of excess—so those hoping for a lower excess can choose one as low as £60. The excess will rise for older pets, however, becoming the higher of your fixed £ excess and 20% of the vet bill for each condition each year. Other features include travel for up to 3 trips up to 60 days each with your pet to EU countries that are part of the PETS scheme, dental injury (but not illness), a 24-hour vetfone, euthanasia cover, cover if your holiday is cut short due to your pet being ill and boarding cover if you are hospitalized unexpectedly. Expect to pay around £375 for £3k of cover with a £60 excess or £550 for £7.5k of cover. A higher excess will bring the price down.

Bottom Line: Another solid option but you may prefer Agria if you want a pet specialist.

Agria Insurance vs Animal Friends Pet Insurance

Animal Friends Pet Insurance is another specialist pet insurer, whose plans stand out for lower-than-average premiums (partially achieved through per condition limits, even on Lifetime plans) and they publicly state on their website that they don't penalize for claims by increasing premiums upon renewal. Those with older pets can insure their cats and dogs, as there is no upper age limit for new policies, even Lifetime cover. They don't have dental cover or a vet line to call with queries, however, plus claims need to be submitted more quickly, within 90 days. Our price check showed a range of £130 to £390 for Lifetime cover for a healthy, young crossbreed dog, significantly lower than average.

Bottom Line: Those looking for a lower-priced Lifetime plan might also want to consider Animal Friends, or those looking to insure an older pet—if you're comfortable with per-condition annual limits on Lifetime plans.

How to Claim and Other Useful Information

If you want to compare an Agria against other UK pet insurance options, get quotes for up to 25 products from our pet insurance comparison site partner by clicking the blue button below.

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Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.