Agria Pet Insurance

The best pet insurance is one that meets you and your pet’s needs. You may want to consider things like the level of cover, excess, limits, and whether ongoing conditions are included. Customer reviews can also be helpful when choosing a provider. Agria is rated “Excellent” on Trustpilot, with 4.8 out of 5 stars from thousands of reviews. Customers often highlight the helpful, professional, and compassionate support they receive. Agria was also awarded a Which? Best Buy for dog insurance in 2026*. Agria's Lifetime Premium £20,000 dog and cat policies have been the highest-scoring Best Buy for 3 years. We are also a Which? Best Buy for our Lifetime and Lifetime Plus dog and cat insurance products.

We offer lifetime pet insurance, helping protect your pet year after year, as long as you renew your policy.

*Which? policy score ratings are based on an analysis of policy cover levels conducted in November 2025. Best Buy providers have a high policy score and a good track record for paying claims. Read the Which? article.

Pet insurance helps cover the cost of veterinary treatment if your pet becomes ill or is injured. This can include consultations, tests, surgery, and medication, up to your policy limits. Some policies may also include additional benefits, such as dental treatment or end-of-life care. This can include contributions towards cremation, burial, or a home visit for euthanasia.

Routine or preventative care isn’t usually covered, such as check-ups, vaccinations, and flea or worming treatments. Pre-existing conditions and general care, such as grooming or nail clipping, aren’t usually included either.

Checking your policy details carefully will help you understand exactly what is and isn’t covered.

Pet insurance can help you manage the cost of unexpected vet treatment if your pet becomes ill or is injured. Most UK insurers let you choose monthly or annual payments to help spread the cost.

If you need to make a claim, your policy can then help pay towards the treatment your pet needs. In many cases, the insurer can pay the vet directly once your claim is approved, so you don’t always have to pay the full bill yourself. 

Pet insurance isn’t a legal requirement, but it’s strongly recommended.

Veterinary treatment can be expensive, and costs can quickly add up when your pet is unwell or injured. Insurance can help you manage these bills so you can focus on your pet’s care.

Some treatments can be particularly costly. For example, our data shows that dog treatments such as spinal surgery for an abscess or an intestinal perforation can average over £11,000*. Even less serious conditions can still lead to bills worth hundreds or even thousands of pounds.

Having insurance in place can help protect you from these unexpected costs and give you extra peace of mind when your pet needs treatment.

*The average cost per claim for dog spinal surgery for an abscess was £11,418.91, based on all Agria Pet Insurance claims received between November 2023 and May 2024.

Lifetime pet insurance covers your pet for ongoing and new conditions each year. There are no time limits on conditions, as long as you renew your policy. It can help with the cost of chronic or recurring illnesses throughout your pet’s life.