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Lifetime horse insurance

The UK’s only lifetime horse insurance

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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.

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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.

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, your policy will cover a wide range of common conditions, including:

    Dental

    • 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.

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). Death cover can be added on its own without the loss of use cover, and you can add the Death cover for any age horse on a new 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.

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

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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.

Meet the equine team

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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.


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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