Agria Pet Insurance

Agria Pet Insurance: lifetime pet insurance in the UK

Agria Pet Insurance is a UK-based insurer dedicated to pet healthcare. The company describes itself as the world's oldest pet insurer, operating since 1890, and offers lifetime policies, meaning they renew annually with no time limit for each illness or injury. Its range covers dogs, cats, rabbits and horses, and includes specific products for puppies, kittens and service dogs.

Key products and cover

The main offering centres on lifetime insurance. For dogs and cats, the company offers a Premium option with up to £20,000 a year for veterinary fees, plus third-party liability for dogs. For cats, the policy includes 24/7 vet video calls. For horses, Agria presents itself as the only lifetime horse insurer in the UK, with cover of up to £10,000 a year in veterinary fees.

The company states it pays 98% of claims received and offers the option to pay the vet directly, so the customer does not have to pay upfront. According to its communications, premiums do not increase as a result of making a claim. It also applies a 5% discount for those insuring more than one pet.

Awards and ratings

The insurer has been named a Which? Best Buy 2026 in the dog and cat insurance categories, an award based on an analysis of cover levels conducted in November 2025. Its Lifetime Premium dog and cat policies have received the highest Best Buy score for three consecutive years. It also holds a five-star rating from Defaqto and The Good Shopping Guide's ethical business accreditation. On Trustpilot it maintains a rating of 4.8 out of 5, with thousands of reviews highlighting, according to the company itself, helpful, professional and friendly service.

Commitment to animal welfare

Agria describes itself as the first carbon positive pet insurer in the UK. It works with animal welfare organisations, vets, breeders and rehoming organisations, and states it has donated over £1.2 million to animal welfare causes in the country. It is the only pet insurer to be an official sponsor of Crufts, one of the event's main sponsors.

Digital services and customer care

Customers have access to an online account area, My Account, with free 24-hour access, where they can start or track a claim, change the date or method of payment and update their personal details or their pet's details. The company also runs a rewards programme with discounts on brands, prize draws and gifts for policyholders. In addition, it publishes guides and tips on pet health and care, with content on topics such as indoor plant toxicity, lymphoma and cataracts in dogs, among others.

Customer profile and scope

The company operates in the UK market and serves both individual owners and breeders, rehoming organisations and veterinary professionals. Its lifetime insurance model is designed for those seeking continuity of cover for chronic or long-term illnesses, with annual renewal of benefits and no time limits per condition.