<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PK9D66" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Horse Insurance | Agria Lifetime Pet Insurance UK
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The UK’s only lifetime horse insurance

Horse Insurance

Complete cover for peace of mind

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Horse Insurance

Up to £10,000 towards vet bills every year

Cover for common conditions, like laminitis

Free vet video calls

White horse in a stable - Agria Pet Insurance

The original equine insurance

We’ve been helping horses through illness and injury for over 130 years. Still today, all our equine team are specialists, so you know you’re in the right hands if the unexpected happens.

Agria is the only provider in the UK offering lifetime equine insurance; our cover can support you for the rest of your horse's life.

Our lifelong policies, with up to £10,000 vet fees cover every year, provide insurance that can keep pace with advances in veterinary diagnostics and treatments, ensuring the very best care for horses and peace of mind for their owners.

In addition, should you sell your horse, you can easily transfer your cover to the new owner. Our lifetime equine insurance can stay with your horse for their lifetime.

Give your horse the very best care

Up to £10,000 towards vet bills every year

So your horse can get the care they need.

We pay 98% of claims*

And we can pay your vet directly, so you can focus on your horse.

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.

Insuring horses since 1890

Agria has been insuring horses since 1890; the first company in the world to do so. †

5% multi horse discount

When you insure two or three horses with us, you will save with our 5% multi-horse discount. ††

Free vet video calls

Which means help is always on hand if you’re worried.

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Get a 5% discount when you insure more than one horse with us (maximum of 3 horses) or any other pets.

* Based on all Agria Pet Insurance claims received between May 2023 and October 2023.
† Agria has been insuring horses in Sweden since 1890; the first company in the world to do so.
†† There is a maximum of 3 horses per equine multi-pet policy.

What’s covered

  • Vet fees

    Up to £10,000 each year, renewed in full every year.

  • Complementary treatment

    Up to £1,000 each year towards therapies like physiotherapy and hydrotherapy.

  • Free vet video calls

    The Agria app gives you free access to expert advice from a vet.

  • Euthanasia

    Up to £500 to cover the costs of euthanasia, if they are euthanised due to an illness or injury covered by the insurance.

  • MRI and CT scans

    We will pay the cost of Magnetic Resonance Imaging (MRI) and Computerised Tomography (CT) scans as long as it’s approved by us before it’s carried out.

  • Medication

    Medication that your vet orders, sells or prescribes for examining or treating your horse.

  • 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:


    • Tooth fracture up to £450 per period of insurance for a tooth fracture involving the tooth root.
    • Cost of root tip abscess (up to the maximum benefit).

    Farriery and remedial shoes

    • If the treatment is for laminitis, a coffin bone fracture, a coffin bone fissure, hoof wall separation, abscess, perforation, hoof cracks/keratoma, or traumatic hoof injuries.
Brown horse with two vets - Agria Pet Insurance

For a summary of what is covered, you can read the Insurance Product Information Document for the Equine Lifetime Lite, Equine Lifetime and Equine Lifetime Plus.

Please also read our Important Updates document to view important policy changes.

Optional extras

Death or loss from theft or straying

We will pay up to the sum insured or market value (whichever is less). Death cover can be added on its own without the loss of use cover, and you can add the Death cover as long as your horse is under 20 years old at the start of the policy.

Loss of use

Up to £25,000 if your horse gets ill or is injured so seriously 
that it needs to be put out to pasture or retired. Loss of Use can be added to a new policy as long as your horse is under 17 years old at the start of the policy.

What's not covered

  • Cover for pre-existing conditions that started before your policy

  • Any costs for veterinary treatment for an illness or injury that has been ongoing for more than 12 months from the first clinical signs without diagnosis

  • The cost of routine care, such as vaccinations and check-ups

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.

Trusted by horse owners

That’s why 96% of our customers would recommend us and 90% renew every year.


As a fairly new customer my experience…

As a fairly new customer my experience with Agria pet insurance (horse and dog) has been positive. The customer service agents have been helpful and informative, I had occasion to submit a claim.. this was dealt with in a timely way with no chasing up needed from me.

Ms Kelly

01 July


Really excellent horse insurance

Really excellent horse insurance! This was my first ever claim and there were no quibbles. They did want a lot of documentation but I didn’t see a problem in that. Once I had provided it they paid my claim quickly!


14 June


Very helpful people on the end of the phone

When I took out both my dog and horse insurance both Kayley and David were so patient and helpful on the phone, I was so impressed with the service I received.

Katie G.

13 May

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Horse insurance explained

Insurance can be confusing – we want to help. Here are some explanations of important areas of insurance you need to know about.

A horse and rider walking together into a field

Our dogs are insured with Agria and we’ve always been so pleased with the level of service. When Agria launched its equine insurance, we immediately insured our two horses so they, too, could be in Agria’s safe hands and enjoy the same level of care our dogs have experienced.


Equine policyholder

Meet the Agria equine team

Get to know our friendly and experienced team of equine experts.

Meet the equine team
The Agria Pet Insurance Equine team at an event stand

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Caring for your horse

Read expert advice on keeping your horse healthy and happy.

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For UK customers:
Agria Pet Insurance Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. Agria Pet Insurance Ltd is registered and incorporated in England and Wales with registered number 04258783. Registered office: First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW. Agria insurance policies are underwritten by Agria Försäkring who is authorised and regulated by the Prudential Regulatory Authority and Financial Conduct Authority.

For Jersey customers:
Agria Pet Insurance Ltd is regulated by the Jersey Financial Services Commission (JFSC). Ref: 0001498. Registered office: As detailed above.

For Guernsey customers:
Clegg Gifford Channel Islands Limited is licensed by the Guernsey Financial Services Commission. Ref: 2722221. Registered office: Admiral House, Place Du Commerce, St Peter Port, Guernsey GY1 2AT.

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