Royal Kennel Club Pet Insurance

Royal Kennel Club dog veterinary insurance

Royal Kennel Club Pet Insurance is a specialist dog insurance provider for both owners and breeders. The policy covers up to £25,000 a year in vet fees, including injuries and ongoing illnesses, and adds third-party liability for the owner and the animal. The company states that it pays 98% of claims and does not increase premiums when a policyholder makes a claim.

Cover and key services

The main product is lifetime insurance that reinstates the vet fee limit each year, provided the policy is renewed without interruption. The insurer offers direct payment to the vet and access to a 24/7 vet video call service through the Agria app, available to new and existing customers. For breeders, the company offers specific cover designed to ensure puppies are protected.

Awards and ratings

The provider has been named a Which? Best Buy 2026 in the Lifetime, Lifetime Plus and Lifetime Premium categories, an award based on an analysis of cover levels carried out in November 2025. It also holds a five-star Defaqto rating when all optional add-ons are included, and maintains a score of 4.8 out of 5 on Trustpilot. The company says that more than 90% of its customers renew each year.

Management model and experience

Royal Kennel Club Pet Insurance is administered by Agria Pet Insurance, a firm with more than 125 years' experience in pet insurance. Royal Kennel Club Limited acts as an appointed representative of Agria Pet Insurance Ltd, authorised and regulated by the UK Financial Conduct Authority. Policies are underwritten by Agria Försäkring. The company presents itself as the UK's largest organisation dedicated to protecting and promoting the health and wellbeing of dogs.

Discounts and conditions

The company applies a 5% multi-pet discount when more than one pet is insured. Terms, conditions and excesses apply, and promotions may be withdrawn without notice. Paid claims are calculated on total claims received between January and December 2025.

Location and contact

First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW