Agria Lifetime Premium dog insurance
Agria Lifetime Premium dog insurance is a 2026 Which? Best Buy
Lifetime Premium insurance
Lifetime Premium Dog Insurance is a Which? Best Buy, and offers our highest vet fee cover for ultimate peace of mind.
We're a Which? Best Buy for Dog Insurance 2026
You can trust us with your Dog
Agria's Lifetime Premium £20,000 dog policy has been the highest-scoring Best Buy for 3 years. We are also a Which? Best Buy for our Lifetime and Lifetime Plus dog insurance products. **
** 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.
Giving your dog the best care
£20,000 towards vet bills every year
So your dog can get the care they need.
We pay 98% of claims**
And we can pay your vet directly, so you can focus on your dog.
No increase in your premiums when you claim
So you don’t have to worry about the cost of insurance when you go to the vet.
Free vet video calls, 24/7
Which means help is always on hand if you’re worried.
Dotty about dogs? Get a 5% discount when you insure more than one pet with us.
**Based on all Agria Pet Insurance and Royal Kennel Club Pet Insurance claims received between January 2025 and December 2025.
What’s covered
Vet fees
Up to £20,000 each year, renewed in full every year.
Third-party liability
Up to £3 million, so you’re covered if your dog injures a third party or someone takes legal action against your dog.
Free vet video calls, 24/7
The Agria app gives you free 24/7 access to expert advice from a vet.
Behavioural treatment
If your dog needs to see a certified behavioural specialist for common problems like noise phobia or separation anxiety and you’re referred by your vet.
Lost or stolen pets
Up to £1,500 of help towards finding your dog, including advertising and offering a reward.
Pet 24 Reunite Service
The fastest way to be reunited with your dog if it is lost or strays, free for the first 12 months with your new pet insurance.
Common conditions
As long as there were no symptoms or signs before the start of the policy, your policy will cover a wide range of common conditions, including:
- Dental illness and injury (excluding routine check-ups, elective treatments, crowns and root canal procedures).
- Diabetes.
- Skin conditions.
Travel and accommodation
Up to £300 for the cost of travel and accommodation expenses if your usual vet refers you to another vet.
For a summary of what is covered, you can read the Insurance Product Information Document (IPID) for Agria Lifetime Premium and Third-Party Liability.
Free vet video calls, 24/7
With the Agria app
All our policies come with access to the Agria app. Get expert advice from a vet whenever you have a question or concern about your pet's health, save on unnecessary vet trips, and get appointments the same day.
Optional extras
Death or loss from theft or straying
We will refund your pet’s purchase price up to £2,500 if they are lost or stolen and not recovered within 45 days. Or if they die due to an insured illness or injury.
Boarding fees and holiday cancellation costs
Up to £2,000 towards holiday cancellation and boarding fees.
Breeding Risks Cover
Up to £2,500 towards death as a result of complications of pregnancy or giving birth. Up to £1,000 towards fertility examinations and treatment, complications from pregnancy and giving birth, and veterinary fees for puppies.
Overseas travel cover
Including up to £2,000 quarantine kennel costs, £500 emergency expenses, and £250 towards replacing a pet passport.
What's not covered
Cover for pre-existing conditions that started before your policy
Conditions that began or showed symptoms before your policy started are considered pre-existing. Conditions that arise after your policy exclusion period ends are covered as long as the policy remains active.
The cost of routine pet care, such as vaccinations and check-ups
But, if you choose our most extensive cover, we’ll give you a £100 voucher every year to help with the cost.
For further information please refer to the Policy Terms and Conditions booklet or if you are unsure whether your pet’s treatment will be covered please contact us.
How to make a claim
We know it's stressful when your dog is unwell, or gets injured. So we've made making a claim simple. The easiest and fastest way to make a claim is for your vet to do it on your behalf.
Your vet can simply fill out our online form, and we pay them directly. So you don't have to worry about managing their claims, or waiting for payments.
The UK's Most Trusted Pet Insurer*
*Based on Agria Pet Insurance's number 1 Trustpilot ranking in the category Pet Insurance, correct as of July 2026.
Looking for different cover?
Explore our other dog insurance products
Lifetime Plus
Up to £12,500 in vet fee cover, and third party liability up to £3million.
Lifetime
Up to £6,500 in vet fee cover, and third party liability up to £2million.
Lifetime Lite
Up to £3,000 in vet fee cover, and third party liability up to £1million.
Learn more about lifetime pet insurance
Is lifetime insurance worth it for older pets?
What are the different types of pet insurance?
Should I choose lifetime pet insurance?
