Agria Pet Insurance Review

Pet Insurance May 14, 2022
Written by | Updated Jul 1, 2024
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Agria Pet Insurance Review

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People think of their pets as more than companions – more like family members. As such, you probably want to make sure your pet has access to the same degree of care you and your family do. Though you can’t exactly enroll your dog or cat under your own health insurance plan, you can get coverage for your pet through a pet insurance plan.

Pet insurance is a little different than health insurance for humans, but it does the same thing to provide pet owners with peace of mind. In the event of an unexpected illness or injury, you won’t have to choose between giving your pet the care he needs or euthanasia simply due to finances.

Every pet insurance company is different and coverage in the UK may vary from coverage in the United States. Agria is a pet insurance company in the United Kingdom.

Read on to learn what you need to know about Agria to decide if it’s the right option for you.

Agria Pet Insurance
Overall Score
  • Qualified Staff. Over 90% of claims handling staff hold an animal/veterinary related qualification.
  • Fast Processing. Award-winning claims processing, 97% claims are paid.
  • Optional Add-Ons. Add coverage for breeding risk, boarding fees, and overseas travel.
  • Direct Pay. Payments can be made directly to the vet if they agree.
  • Limited Options. Only two plans and two options for deductibles.
  • Expensive. Somewhat pricey compared to other pet insurance plans.
  • Qualified Staff. Over 90% of claims handling staff hold an animal/veterinary related qualification.
  • Fast Processing. Award-winning claims processing, 97% claims are paid.
  • Optional Add-Ons. Add coverage for breeding risk, boarding fees, and overseas travel.
  • Direct Pay. Payments can be made directly to the vet if they agree.
  • Limited Options. Only two plans and two options for deductibles.
  • Expensive. Somewhat pricey compared to other pet insurance plans.
Waiting Period
Policy Options
Customer Support

About Agria Pet Insurance

According to Agria, “a lifetime of pet health starts here.” This company offers lifetime pet insurance to ensure the best coverage and the most affordable rates. Agria was awarded “Best Claims Service” in 2018 and 2019, having paid over 97% of claims filed. They are trusted by over 40,000 breeders and vets.

Agria recognizes that not all pet insurance policies are the same and they seek to offer their customers a unique product with unbeatable value.

While most pet insurance policies cover your pet for a certain period of time (depending how you pay your premium), Agria is intended to cover your pet over its entire lifetime. This means you’ll receive coverage for ongoing and long-term conditions like arthritis and diabetes. As long as your policy is renewed each year and your pay your premiums, you’ll be able to claim the maximum monetary limit.

Here’s what Agria has to say about their Lifetime pet plans:

“At Agria, we believe pet insurance should last your pet’s lifetime. Our policies provide lifelong vet’s fees cover for illnesses and injuries. This means that provided your policy is renewed each year, your maximum benefit will be refreshed, providing cover for ongoing conditions. So, whatever happens throughout your pet’s life, we’ll always be there for you and your pet.”

The Agria company comes from Swedish heritage and has been involved in pet healthcare since 1890. Agria spread across Europe over the years and became available in the UK in 2009. Their products are shaped through partnerships with vets, breeders, and shelters to create a tailored approach to pet insurance.

Here are some of the benefits Agria has to offer:

  • Their staff love animals and are commitment to providing excellent service
  • Their claims handling team is based in the UK
  • They employ veterinary-trained nurses to handle claims
  • They value innovation, research, and working with animal health partners
  • They believe pet insurance should be simple and uncomplicated

At Agria, the company believes pets deserve the best healthcare throughout their lives. That’s why their mission is to “provide the best of care for pets and peace of mind for their owners.”

Read on to learn the basics about Agria, their plans, and their coverage.

How Does Agria Pet Insurance Work?

Though the idea behind pet insurance is similar to health insurance, these plans work very differently. When you use your health insurance, the plan typically pays your provider directly and you’re only responsible for a copayment or coinsurance (on top of your deductible). With pet insurance, however, members are generally expected to pay for the cost of services then submit a claim to have a certain percentage of covered costs reimbursed. That reimbursement rate varies from one company to another.

Here are the details you need to know for Agria pet insurance:

  1. Pet Insurance Plans

Agria offers pet insurance plans for dogs, cats, and rabbits. For all three types of pets, there are two policy options to choose from:

  • Agria Lifetime
  • Agria Lifetime Plus

Both plans are intended to cover your pet for the duration of its life. The primary difference between the two plans is the amount of coverage, specially the annual payout limit. For the Agria Lifetime plan you’ll have an annual maximum of £6,500 while the Agria Lifetime Plus plan is £12,500.

The Agria pet policies cover the following major categories:

  • Vet’s Fees – This includes the payment of veterinary fees for accidents and illnesses up to a certain amount each year.
  • Advertising – This company helps cover the cost of finding a lost or stolen dog including the cost of advertising and offering a reward, up to £1,500.
  • Third Party Liability – If your dog injures a third party, Agria offers coverage up to £3m or £2m, depending which plan you choose (you pay £250 per claim).
  • Travel Expenses – If your veterinarian refers your dog to another vet for treatment, you can be reimbursed up to £300 per year for travel and accommodations each year.
  • Annual Health Checks – You’ll receive a £25 voucher to help cover the cost of annual health checks and vaccinations each year (for the Plus plan).
  • Pet Health Helpline – You’ll get free access to the Pet Health Helpline.
  • Free Pet24 Tag – You’ll receive a free Pet24 tag for your pet for quick recovery.

Here’s a quick review of the coverage Agria pet insurance offers:

Agria Lifetime Agria Lifetime Plus
Accidents X X
Illnesses X X
Third Party Liability X X
Annual Checkup/Vaccines X
Pet Health Helpline X X
Behavioral Therapy X X
Complementary Treatments X X

In addition to these two main plans, Agria offers optional coverage for several categories. You’ll see the details below for each plan. Most claims are processed by reimbursement, but Agria does offer direct payment to veterinarians with their agreement.

  1. Pricing

The best way to determine pricing for pet insurance is to request a quote. Companies like Agria make it very easy – you simply fill out a form with your basic information, some information about your pet, and your choices for the type of plan you want. Because we’re located in the United States, we weren’t able to request a quote, but we did some research to find estimates.

Based on our research, Agria pet insurance costs an average of £50 for a dog (4 years old, medium to large breed) and about £25 for a cat (3 years old), per month.

On top of your monthly premium, you’ll be expected to pay “excess” for each condition. Fixed excess is a set amount you pay per condition and you’ll also be required to pay 10% of the cost of the bill once the fixed excess has been deducted. In essence, this equates to around a 90% reimbursement rate for covered expenses, minus your deductible.

When it comes to paying your premium, you can choose between monthly or annual payments and can even select your payment date. Payments can be directly debited or paid by credit card.

  1. Waiting Periods

Most pet insurance companies require a waiting period to prevent insurance fraud. It’s simply a period of time during which you can’t submit a claim after completing your enrollment. In other words, you can’t wait for your pet to get sick then purchase an insurance plan to help cover the costs you already plan on incurring.

Agria refers to their waiting period as a “cooling off period” and it lasts for 14 days after your policy started; or the date you received your first policy booklet and Schedule of Insurance after enrollment; or the renewal date of your policy.

  1. Claim Limits

Many pet insurance companies set a limit on the amount you can request reimbursement for per accident or illness. At Agria, you can choose between two plans which have different amounts for these annual limits. For veterinary fees, the Agria Lifetime Plus plan has a limit of £12,500 while the Agria Lifetime plan has a limit of £6,500.

  1. Deductibles

A deductible is the amount you pay for covered services before the plan starts to offer reimbursement – deductibles are on top of your monthly premiums. In the UK, the term uses is “excess” and it simply refers to the set amount you’ll pay per claim or per policy period. These amounts are determined by your Schedule of Insurance when you enroll.

Fixed excess applies to “all episodes of an illness with the same diagnosis or clinical signs and each injury your pet receives veterinary treatment for in each period of insurance.”

When you request your quote, you can choose between two options for your fixed excess: £105 or £170. Keep in mind that by increasing your fixed excess you can reduce your monthly premium but lowering your excess will increase your monthly premium. You’ll always pay that 10% of the total veterinary bill once the excess has been deducted and the rest is eligible for reimbursement.

  1. Pre-Existing Conditions

No pet insurance company covers pre-existing conditions. These are generally defined as conditions which have been observed, diagnosed, or treated prior to enrollment or during the waiting period.

Here is how Agria defines a pre-existing illness or injury:

“An injury that happened, or an illness or behavioral disorder that first showed clinical signs before your policy started; or an injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before your policy started; or an injury or illness or clinical sign your pet had before your policy started.”

These definitions apply no matter when the injury or illness happened or when it was noticed. This is why it’s important to have your pet’s veterinary records up to date when you enroll, so you have the best chances of having any new conditions covered.

  1. Optional Coverage

On top of their Agria Lifetime and Agria Lifetime Plus plans, this company offers optional coverage for several additional categories:

  • Death or loss from theft or straying
  • Boarding fees and holiday cancellation costs
  • Breeding risks
  • Overseas travel

The cost for each of these options varies depending which plan you choose. The breeding risk coverage is highest, around £10/month extra while the others are under £2/month extra.

  1. Pets Covered

Agria offers lifetime coverage for puppies, dogs, kittens, cats, and rabbits. You’ve already learned the basics about their dog and cat coverage, but Agria coverage for rabbits includes up to £2,500 for vet’s fees (or £1,500, depending which plan you choose). This includes the same major categories as the plans for dogs and cats, including free access to the Pet Health Helpline.

Agria Customer Reviews

Shopping for pet products can be overwhelming with so many options out there. When it comes to a major commitment like pet insurance, you want to be sure your money is spent wisely. In addition to doing your research about the company and their products, it’s always a good idea to find out what current and past customers are saying about the plan.

Here are some positive reviews and negative reviews from real customers:

Positive Reviews

“I saw Agria advertised at my vets so gave them a go. Sadly, the only treatment Wilf needed was to try and control a bladder tumor but inevitably this ended heartbreakingly with euthanasia and cremation. The lady I spoke to at Agria was so sympathetic and personable, also stating that the cremation cost would not incur any excess, she told me that I had paid a monthly instalment since Wilf had died and arranged for this to be repaid back into my bank account. My claim was simple and easy to complete online and was very swiftly dealt with.”Karen Greenwood on 05/18/2020

“When Mitch eat a bottle top and it got stuck in his intestine track, thanks to a good vet for spotting the trouble and prompt action, Mitch is now fully recovered and a bundle of fun. Without the health cover and the peace of mind that your vet bill will not be as big as it could be, we can all recover better.”Mark Weatherly on 04/29/2020

Negative Reviews

“Our dog had a broken paw. Before all his treatment was completed the policy was renewed. It was not a new policy just a renewal. This meant that under the ‘renewed policy’ the treatment for the broken paw was treated as a different injury and the last two treatments were deemed to be under the excess so we had to pay hundreds of pounds. This is so unfair as it was all just a continuation of treatment for the original injury.”– Stephanie Hirst on 08/20/2020

“Had my springer covered for 5 years with them, never claimed once. Renewal this year went from £27 to £57. Cancelled it and got a better deal and better cover cheaper elsewhere.”– Katy on 08/11/2020

How Do You Sign Up?

Signing up for pet insurance is generally pretty easy and you can receive a detailed quote without having to provide any payment information. To sign up for Agria, you’ll need to fill in some details about yourself and about your pet.

Here’s the information you’ll need to provide:

  • Your name, address, phone number, and email
  • Your pet’s name and age
  • Your pet’s species (dog or cat) and sex
  • The amount you paid for your pet

In addition to this basic information, Agria will ask you whether your pet has ever suffered from illness or injury and whether you or anyone else has been found legally liable for damage or injury caused by your pet. If you have multiple pets, you may receive a multi-pet discount.

Once you’ve provided this information, you will be asked to choose between the Agria Lifetime or the Agria Lifetime Plus plan. From there, you’ll choose your fixed excess (deductible) – the options are £105 or £170. You’ll also be required to pay 10% of the bill once the fixed excess has been deducted.

Is Agria Pet Insurance Worth It?

It’s difficult to say whether pet insurance is worth it no matter the company because it depends on your pet and their health. If your pet is young and healthy, you may end up spending more on your monthly premium than you get back in reimbursement. If your pet requires a lot of care, however, you could end up saving a lot. It’s a good idea to talk to your vet about your pet’s current health and to discuss potential future health issues based on breed or size to determine whether pet insurance is worth it.

In terms of Agria in particular, this company appears to offer good value and their plans are fairly straightforward. There are only two options to choose from, but their coverage seems very comprehensive. Like most companies, they don’t include coverage for preventive care, but if you choose the Plus plan you’ll receive a $25 voucher toward your pet’s annual checkup.

Click Here to Get A Quote on Agria Pet Insurance

Frequently Asked Questions

Who owns Agria pet insurance?

Agria Pet Insurnace Ltd is an insurance intermediary acting for the insurers Agria Försäkring and Ecclesiastical Insurance Office.

How to cancel Agria pet insurance?

You can access your Agria account online or contact their customer service by phone at any time. To cancel, you’ll need to contact the company.

Does Agria pet insurance cover cremation?

Yes, Agria covers the cost of euthanasia along with the cost of cremation and burial up to £150.

Does Agria pet insurance cover hip dysplasia?

Yes, Agria covers hip dysplasia as long as it isn’t a pre-existing condition.

Does Agria pet insurance cover allergy testing?

Yes, Agria covers allergy testing as long as it isn’t a pre-existing condition.

Does Agria pet insurance cover blood work?

Yes, Agria covers bloodwork for accidents and illnesses (as long as they are not pre-existing).

Does Agria pet insurance cover dental?

Yes, Agria covers dental illness and injury, though there are some restrictions. They don’t cover routine check-ups or elective and cosmetic treatments.

Does Agria pet insurance cover emergency visits?

Yes, Agria covers emergency visits for accidents and illnesses (as long as they are not pre-existing).

Does Agria pet insurance cover neutering?

No, Agria doesn’t cover preventive care such as neutering and spaying surgery.

Does Agria pet insurance cover medication?

Yes, Agria covers prescribed medication for covered treatments.

Does Agria pet insurance cover prescription food?

Yes, Agria offers 50% coverage for prescription diets up to the maximum amount for each illness or injury detailed in your Schedule of Insurance. This does not apply to formulas for weight loss.

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Kate Barrington is avid pet lover and adoring owner of three cats and one dog, her love for animals has led her to a successful career as a freelance writer specializing in pet care and nutrition. She has been writing about pet care and pet products since 2010
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