Agria Pet Insurance UK 2025 – Lifetime Cover Explained

Last updated: October 8, 2025

Introduction

Founded in Sweden in 1890 and operating in the UK since 2009, Agria Pet Insurance is one of the oldest dedicated pet insurers in Europe. Unlike many competitors, Agria specialises exclusively in Lifetime policies, making it a strong choice for owners of pedigree pets, breeders, and those seeking comprehensive long-term protection.

In this review of Agria Pet Insurance UK 2025, we’ll explain what makes Agria different, the key features of its policies, typical costs, the claims process, and whether it’s the right option for your pet.

Key Policy Features

Policy type: Lifetime only (no accident-only, time-limited, or maximum benefit options)
Vet fee cover: from £1,500 up to £12,500 per year
Excess options: flexible, with co-payment options for older pets
Breeder cover: tailored policies for breeders and litters
Equine cover: also offers specialist horse insurance
Charity links: partners with rehoming centres, Kennel Club, and Cat Fanciers’ Association
Underwriter (2025): Agria Försäkring (Sweden-based specialist)

Agria Pet Insurance Policy Types

Unlike providers such as Animal Friends or Tesco Bank, Agria offers only Lifetime pet insurance.

Lifetime Policies

As the PDSA Pet Insurance Guide explains, lifetime cover ensures ongoing protection against illnesses and accidents year after year – something Agria specialises in.

Cover accidents, illnesses, and chronic conditions for the life of your pet.
Annual vet fee limits reset every policy year.
Choice of limits: £1,500, £4,000, £7,500, £12,500.
Dental illness and injury often included (with regular check-ups).
Complementary therapies (hydrotherapy, acupuncture, physiotherapy) on some tiers.
Specialist breeder and litter cover available.

Who it suits: Owners wanting long-term security, especially for pedigree pets more prone to hereditary conditions.

Who it may not suit: Owners on tight budgets who only want the cheapest monthly premium.

What Agria Covers (and Excludes)

Covered (varies by tier):

Vet fees for illness and injury
MRI, CT scans and diagnostic testing
Hospitalisation, surgery, medication
Dental illness and injury
Complementary therapies (on higher tiers)
Breeding risks (with specific breeder policies)
Death from accident/illness (age limits apply)
Third-party liability for dogs (up to £3m)

Exclusions:

Pre-existing conditions
Routine care (vaccinations, flea/worming, neutering)
Pregnancy (unless breeder cover taken)
Cosmetic/elective treatment
Behavioural therapy (on some tiers)

Agria Pricing 2025 (Estimates)

Agria is not the cheapest provider, reflecting its Lifetime-only approach. Prices vary by pet, age, breed and postcode, but here are examples:

Cats (young domestic shorthair): from ~£15–20/month (low limit) to £30+/month (high limit).
Dogs (young crossbreed): from ~£20–25/month to £50+/month.
Older pedigree dogs: £70–100+/month depending on breed and cover tier.

Agria also introduces co-payments for older pets (e.g., 10–20% of vet fees in addition to the fixed excess).

Claims Process & Customer Experience

Agria’s claims can be submitted online or by post, and many UK vets can bill the insurer directly.

Positives:

Straightforward claims with quick turnaround for many customers.
Strong relationships with vets and breeder communities.
Focused product range makes policy terms clear.

Negatives:

Premiums higher than budget competitors.
Limited to Lifetime cover only — no cheap alternatives.
Some customers report dissatisfaction with renewal increases.

On Trustpilot, Agria scores 4.4/5 (2025), praised for reliable cover but criticised for rising costs.

Pros and Cons of Agria Pet Insurance UK 2025

Pros

Lifetime-only specialist — strong for long-term security
High vet fee limits (up to £12,500)
Dental illness cover included on many policies
Trusted by breeders, Kennel Club and rescue centres
Strong customer reputation

Cons

No cheaper accident-only or time-limited options
Premiums higher than mainstream competitors
Renewal costs increase with age
Co-pays apply to older pets

Alternatives to Agria Pet Insurance UK 2025

Before deciding, compare with:

FAQ

Does Agria Pet Insurance only offer Lifetime cover?

Yes, Agria specialises in Lifetime policies and does not offer accident-only or time-limited options.

How much does Agria pet insurance cost?

Premiums typically start at £15–20/month for cats and £20–25/month for dogs, but can rise significantly with age and breed.

Does Agria cover dental treatment?

Yes, many policies include dental illness and injury, provided pets have regular check-ups. According to the British Veterinary Association, dental issues are one of the fastest-rising costs in veterinary care, making dental cover a valuable inclusion in policies like those offered by Agria.

Is Agria good for older pets?

Yes, many policies include dental illness and injury, provided pets have regular check-ups.

Is Agria pet insurance worth it?

For owners wanting comprehensive Lifetime protection, especially for pedigree pets, Agria is worth considering. For cheaper monthly cover, other providers may be better.

Does Agria pet insurance cover pre-existing conditions?

Agria does not usually cover pre-existing conditions, though they may provide cover for conditions that have been symptom-free and treatment-free for a set period before you take out the policy.

Can you get multi-pet discounts with Agria?

Yes, Agria offers a 5% discount when you insure more than one pet under their policies.

How does Agria compare with Petplan or ManyPets?

Agria is focused on lifetime cover and offers strong dental benefits, while Petplan is known for vet endorsements and higher annual limits, and ManyPets provides competitive pricing plus some pre-existing condition cover.

Conclusion

Agria Pet Insurance UK 2025 is an excellent option if you want comprehensive Lifetime cover and don’t mind paying a higher premium. Its focus on long-term protection makes it ideal for pedigree dogs and cats, breeders, and owners worried about hereditary or chronic conditions.

However, if you’re looking for the cheapest monthly premium, Agria won’t be for you. For budget-friendly options, see our guides to Cheap Pet Insurance UK 2025 or Animal Friends Pet Insurance UK 2025.