
Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.
Once you have read this review of Agria Pet Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
Agria Pet Insurance reviewed by Jonathan 17/09/2020.
Agria was originally founded in Sweden nearly 130 years ago and is probably one of the first companies to provide pet healthcare.
Agria Insurance Ltd was formed in 2009 to offer pet insurance to UK customers.
Their tailored approach to pet insurance include a range of policies and flexible options so customers only pay for what they need.
Agria Pet Insurance won the Moneyfacts Consumer award for pet insurance provider of the year and best claims service in 2018 and 2019.
Agria Pet Insurance is underwritten by Agria Forsakring an Insurance Company regulated in Sweden. The Prudential Regulation Authority has agreed temporary permissions for Agria Forsakring to continue to operate in the UK post Brexit.
Click on the website link to go directly to the insurance providers website. Visit Agria Pet Insurance's Website and Get a Quotation direct
Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Agria Pet Insurance.
You must be over 18 and live in the UK
You must own the pet and it must live with you.
Your pet must be older than eight weeks.
Agria have two policies Lifetime and Lifetime Plus.
The Lifetime policy covers a maximum benefit of £6,500
The Lifetime Plus policy covers a maximum benefit of £12,500
Both policies provide lifelong vet’s fees cover for illnesses and injuries. Provided your policy is renewed each year, your maximum benefit will be refreshed, providing cover for ongoing conditions.
Note the limits are a total for all claims and not per condition.
Significant areas that Agria Pet Insurance will not cover are:
You must keep you dog vaccinated against distemper, hepatitis, leptospirosis and parvovirus.
Cats must be vaccinated against feline infectious enteritis, feline herpes virus, feline calicivirus and if at risk, feline leukaemia virus
Homeopathic nosodes are not acceptable as vaccines.
You agree to maintain your pet’s health, prevent the loss or theft of or injury or illness to your pet.
This includes following any instructions from a vet to reduce your pet’s weight.
Both Agria Pet Insurance policies cover the following complementary treatments up to a maximum of £1500 per year:
All treatments must have been recommended by a vet and carried out by a qualified practitioner.
Policies do not cover Matrix Energy Field Therapy, Reiki massage, Faith healing or Homeopathic medicine.
Both policies cover 50% up to a maximum of £250 (for each separate illness or injury) of the cost of prescription pet food used to treat a specific illness or injury.
Dental work arising from tooth or gum disease is covered, provided your pet had a dental heath check in the last 12 months and any treatment carried out within three months of the recommendation.
The policy will not cover cosmetic dentistry, de-scaling, polishing, cleaning, other than when performed solely as treatment for an illness of the teeth or gums.
Crowns and Root canal treatments are not covered if it is purely for cosmetic reasons, the work is on teeth other than canine teeth, there are no clear advantages over tooth removal, your pet is a known stone chewer, or has badly damaged teeth, and or severe periodontal disease and the canine teeth are very loose.
Both Agria Pet policies cover the full costs of MRI/CT Scans and Cruciate Ligament claims up to the vets fees limits.
Both policies cover the cost to put your pet to sleep, including the cost of cremation or burial and a house visit by your vet if required. Costs are covered up to £150.
You can insure more than one pet under the same policy, including a combination of dogs, cats and rabbits.
Agria offer a 5% multi-pet discount.
Neither policy will cover any of your pets pre-existing injuries or illness that first showed clinical signs before your policy started.
The standard Agria policy does not cover treatments related to pregnancy.
However you do have the option to cover breeding risks, for which an additional premium will be required.
The Breeding Risks Section includes:
Fertility Examinations
1. For female pets. A fertility examination if your pet does not become pregnant after two matings.
2. For male pets. A fertility examination if your pet does not impregnate proven fertile females after two matings.
Pregnancy and Giving Birth
Covers the cost of veterinary treatment, including up to 50% of the cost of a clinical diet (up to a maximum of £250), as a result of complications from pregnancy, giving birth and weak or fading puppies or kittens.
Death from Pregnancy or Giving Birth
Compensation up to the amount you paid, or the pets market value if you do not have a purchase receipt, if your pet dies as a result of complications of pregnancy or giving birth.
Veterinary Fees for Puppies and Kittens
The cost of veterinary treatment in the event of an injury or illness to your puppies or kittens, from the time they were born up to 14 weeks for puppies and 20 weeks for kittens, or when the new owner collects them whichever comes first.
The breeding section does not cover the following:
Both Agria policies allow you the option to extend cover when you take your pet abroad.
You are covered for up to 120 days in each period of insurance and covers Holiday Cancellation, Quarantine costs, Emergency Expenses whilst abroad, Emergency Vets Fees and loss of your pet's passport. Third Party Liability is also extended to cover you whilst abroad.
The policy is a 12 month contract with no guarantee that renewal terms will be offered.
The website doesn't provide much information on renewing your policy. The policy states that if they hold valid payment details and offer renewal terms, the policy will automatically renew. If you do not want to renew the policy you must contact them.
You may cancel your policy at any time. If you cancel within the first 14 days (known as the cooling off period) and haven't made a claim you will be entitled to a full refund of premium.
If you cancel outside the 14 day period and have not made a claim, you will be entitled to a pro-rata refund, less an administration charge of £25.00.
Agria Insurance state that they pay 97% of claims made. You are now able to complete all your claim details online, attach any relevant clinical history, receipts and state whether you want the vet to be paid direct.
There is no waiting period in respect of injury to your pet. There is no cover for the first 10 days of your policy in respect of illnesses.
In respect of dog claims you are required to pay the first £105 of any claim.
In respect of cat claims you are required to pay the first £85 of any claim.
You are required to make a contribution of 10% of any claim, in addition to the policy excess. The requirement is the same for both cats and dogs.
The site is modernistic in its layout. Cover is explained together with a breakdown of benefits. Access to the policy wording is available without the need to obtain a quote first.
The frequently asked questions is available and covers a few topics. No online chat or contact via email. Agria do operate a call back system, alternatively you can phone them. The Call centre is open monday - friday but closed at weekend. Our mystery shopper phone call was answered promptly and satisfactorily.
The quotation system is easy to use. You get the basic quote and then the option to add on extras before receiving details of the final cost.
The front of the policy wording contains a page full of useful helpline numbers and websites, but no summary of cover.
A standard layout with index at the beginning followed by a list of key features, benefits and significant exclusions for each section of cover.
Whilst this is useful, it is important to read the full features, benefits and exclusions for each section of cover.
The policy wording text had a reading score of 59.6 (out of 100), classed as average to read.
The text had an average reading age of 11 - 13 years. This means that a person with a reading age of 11-13 years should be able to understand the policy.
Agria Insurance are not listed on any comparison sites. Visit their website direct to obtain quotes.
In addition to a claims and policy helpline, you have free access to a 24/7 Pet Health helpline and Pet Bereavement Support service.
Agria Pet Insurance have received 2631 reviews on Trust Pilot with an excellent average rating of 4.7 out of 5.
Most customers are very satisfied with the service they receive from this company.
Agria Pet Insurance make the following administration charges:
Change of Name and Address - £25
Reissuing Policy Documentation - £25
Addition of Breeding Risks Cover - £25
Addition of Overseas Travel Cover - £25
Missed Instalments -£25
Cancellation of Policy outside of Cooling Off Period - £25
Agria are currently offering a £50 Healthcare voucher with every dog and cat policy.
Enter 'HS19' as a promotional code at the checkout.
Agria's award winning pet insurance is recommended by many breeders, animal rescue centres and vets.
Tailor made cover appealing to a wide range of customers, who require lifetime care for their Cat, Dog or Rabbit.
Recommended for customers planning to breed with their pets.
Remember that you will be required to pay an additional 10% of any claim on top of the standard excess.
According to our latest premium research both Agria's Lifetime and Lifetime plus policy were keenly priced especially taking into account the high levels of cover they provide.
That's Insurance have spent some time mystery shopping on agria-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.
Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.
Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.
Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.
The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Agria compares to the industry average. The higher the percentage the better the company performs in each area.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
We've highlighted Pro's and Cons for Agria, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Agria Pet Insurance.
We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.
Listed below are some Sample Quotes offered by Agria Pet Insurance
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Spaniel (Cocker)
Group: Gundog
105
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Third Party Liability 3,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Medium
Group: Mongrel
105
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Third Party Liability 3,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Medium
Group: Mongrel
105
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Third Party Liability 3,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Medium
Group: Mongrel
105
Lifetime Maximum Benefit 6,500
Complimentary Treatment 1,500
Dental 6,500
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000
Third Party Liability 2,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Spaniel (Cocker)
Group: Gundog
105
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Third Party Liability 3,000,000
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 10
Breed: Moggie
Group: Moggie
85
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Moggie
Group: Moggie
85
Lifetime Maximum Benefit 12,500
Complimentary Treatment 1,500
Dental 12,500
Death from Accident 2,500
Death from Illness 2,500
Theft or Straying 2,500
Advertising and Reward 1,500
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 10
Breed: Moggie
Group: Moggie
85
Lifetime Maximum Benefit 6,500
Complimentary Treatment 1,500
Dental 6,500
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Moggie
Group: Moggie
85
Lifetime Maximum Benefit 6,500
Complimentary Treatment 1,500
Dental 6,500
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Moggie
Group: Moggie
85
Lifetime Maximum Benefit 6,500
Complimentary Treatment 1,500
Dental 6,500
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000