The UK’s only lifetime horse insurance
Up to £10,000 towards vet bills every year
Cover for common conditions, like laminitis
Free vet video calls
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 as it stays with the horse with lifetime cover.
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 97% of claims, within 5 working days*
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.
Get a 5% discount when you insure any other pets with us.
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 Vet Guide 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, it will cover a wide range of common conditions, including:
Dental
- Up to £450 each year for a tooth fracture involving tooth rot.
- 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.
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.
Optional extras
Death or loss from theft or straying
We will pay up to the sum insured or market value (whichever is less).
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.
What's not covered
-
Cover for pre-existing conditions that started before your policy
-
Any costs of 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.
Agria are the best by far!
Having owned and insured cats, dogs and a horse at various times over the past 30 years we have had various insurers. We have also unfortunately had to make substantial claims. Even in this modern cost cutting environment Agria have given us excellent and efficient service. By far the most understanding and customer friendly company with whom we have had to deal. I would recommend them to anyone particularly the breeding risks cover which I feel is unsurpassed.
Mrs Stone
11 January
Verified
Friendly staff really helpful and very…
Friendly staff really helpful and very honest with advice had a great time Took out two equestrian policies and a puppy policy
Hayley Swallow
29 June
Verified
Fantastic service from beginning to end…
Fantastic service from beginning to end - Sean was helpful, professional and made me feel valued and listened to throughout. Definitely a very different insurance experience to any other company I have used. Will recommend to other horse friends without doubt or hesitation.
Nikki
03 October
Lifetime 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.
“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.”
Ian
Equine policyholder
Meet the Agria equine team
Get to know our friendly and experienced team of equine experts.
Caring for your horse
Read expert advice on keeping your horse healthy and happy.
The benefits of giving your horse some time off
- Horse
