Agria
Specialist insurer. We haven't yet published verified evidence for this insurer — this page will update once source documents are reviewed.
Not yet researched11 of 11 comparison topics researchedReviewed 9 July 2026
At a glance
- Vet-fee limit
- Agria’s official dog lifetime range publicly shows up to £20,000 towards vet bills every year. The dog product page links four lifetime products: Lifetime Lite £3,000, Lifetime £6,500, Lifetime Plus £12,500 and Lifetime Premium £20,000
- Excess and co-payment
- Excess: Agria uses both a fixed excess and a percentage excess. The fixed excess applies to each separate illness or injury in each period of insurance; if treatment carries into the next policy year, the fixed excess is payable again · Co-payment: Yes. Agria’s co-payment mechanism is the percentage excess, which is applied after the fixed excess and is payable on all relevant claims. Exact percentage depends on the policy schedule
- Waiting periods
- Illnesses are excluded if they first show clinical signs in the first 10 days after policy start. Accident waiting period for the core dog lifetime product was not clearly stated in the official sources reviewed
- Pre-existing conditions
- Agria will insure pets that already have pre-existing conditions, but it does not cover the pre-existing condition itself or related conditions. Behavioural issues before inception are also treated as pre-existing under the dog policy wording reviewed
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Things to check before choosing
What you may pay
ExcessAgria uses both a fixed excess and a percentage excess. The fixed excess applies to each separate illness or injury in each period of insurance; if treatment carries into the next policy year, the fixed excess is payable again
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- Details
- Agria uses both a fixed excess and a percentage excess. The fixed excess applies to each separate illness or injury in each period of insurance; if treatment carries into the next policy year, the fixed excess is payable again
“The excess is the amount that you must pay towards each claim that you make.”
Official source: How to claim; Agria Lifetime Premium IPID; policy booklet · reviewed 2026-07-09
Compare all insurersCo-paymentYes. Agria’s co-payment mechanism is the percentage excess, which is applied after the fixed excess and is payable on all relevant claims. Exact percentage depends on the policy schedule
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- Details
- Yes. Agria’s co-payment mechanism is the percentage excess, which is applied after the fixed excess and is payable on all relevant claims. Exact percentage depends on the policy schedule
“The percentage excess is applied to all claims.”
Official source: How to claim; Agria Lifetime Premium IPID; policy booklet · reviewed 2026-07-09
Compare all insurersWhat the policy may limit
Vet Fee LimitsAgria’s official dog lifetime range publicly shows up to £20,000 towards vet bills every year. The dog product page links four lifetime products: Lifetime Lite £3,000, Lifetime £6,500, Lifetime Plus £12,500 and Lifetime Premium £20,000
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- Details
- Agria’s official dog lifetime range publicly shows up to £20,000 towards vet bills every year. The dog product page links four lifetime products: Lifetime Lite £3,000, Lifetime £6,500, Lifetime Plus £12,500 and Lifetime Premium £20,000
“Up to £20,000 each year, renewed in full every year.”
Official source: Lifetime dog insurance page; Agria Lifetime Premium IPID · reviewed 2026-07-09
Compare all insurersDental CoverDental illness and injury are covered on Agria lifetime dog cover, but subject to restrictions. Dental or gum illness is not covered if the dog has not had a vet dental check within the previous 15 months and any recommended treatment within 12 months. Routine check-ups, descaling/polishing, elective treatment, crowns and root canal procedures are excluded or restricted
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- Details
- Dental illness and injury are covered on Agria lifetime dog cover, but subject to restrictions. Dental or gum illness is not covered if the dog has not had a vet dental check within the previous 15 months and any recommended treatment within 12 months. Routine check-ups, descaling/polishing, elective treatment, crowns and root canal procedures are excluded or restricted
“Cover for dental or gum illness if your dog has not had a dental health check in the 15 months prior...” is listed as a restriction
Official source: Lifetime dog insurance page; How to claim; Agria Lifetime Premium IPID; policy booklet · reviewed 2026-07-09
Compare all insurersBehavioural TreatmentCovered on Agria lifetime dog cover if referred by the vet and delivered by an approved behavioural specialist. The linked official dog policy/IPID sources show a £750 cap within the overall veterinary benefit
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- Covered on Agria lifetime dog cover if referred by the vet and delivered by an approved behavioural specialist. The linked official dog policy/IPID sources show a £750 cap within the overall veterinary benefit
“Up to £750 towards the cost of behavioural therapy.”
Official source: Lifetime dog insurance page; Agria Lifetime Premium IPID; policy booklet · reviewed 2026-07-09
Compare all insurersWhen and how cover applies
Waiting PeriodsIllnesses are excluded if they first show clinical signs in the first 10 days after policy start. Accident waiting period for the core dog lifetime product was not clearly stated in the official sources reviewed
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- Illnesses are excluded if they first show clinical signs in the first 10 days after policy start. Accident waiting period for the core dog lifetime product was not clearly stated in the official sources reviewed
“Costs for and resulting from an illness in the first 10 days of your policy.”
Official source: Lifetime dog insurance page; Agria Lifetime Premium IPID; Agria lifetime dog policy booklet · reviewed 2026-07-09
Compare all insurersPre-existing ConditionsAgria will insure pets that already have pre-existing conditions, but it does not cover the pre-existing condition itself or related conditions. Behavioural issues before inception are also treated as pre-existing under the dog policy wording reviewed
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- Details
- Agria will insure pets that already have pre-existing conditions, but it does not cover the pre-existing condition itself or related conditions. Behavioural issues before inception are also treated as pre-existing under the dog policy wording reviewed
“we do not cover the pre-existing condition or conditions related to the pre-existing condition.”
Official source: Pet insurance and pre-existing conditions; Agria lifetime dog policy booklet · reviewed 2026-07-09
Compare all insurersClaimsClaims can be made online by the pet owner or by the vet; Agria recommends the vet submits the claim. Claims must be submitted by the end of the period of insurance or within 6 months of first treatment, whichever is later. Agria can pay the vet directly if Agria, the vet and the customer all agree
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- Claims can be made online by the pet owner or by the vet; Agria recommends the vet submits the claim. Claims must be submitted by the end of the period of insurance or within 6 months of first treatment, whichever is later. Agria can pay the vet directly if Agria, the vet and the customer all agree
“Make a claim online, or ask your vet to do it for you!”
Official source: How to claim; Agria Lifetime Premium IPID; Agria lifetime dog policy booklet · reviewed 2026-07-09
Compare all insurersRenewalsAgria’s lifetime cover reinstates vet-fee cover each year if renewed without a break in cover. Renewal is not guaranteed, and if Agria offers renewal it may change premium, terms, fixed excess, percentage excess and monetary cover levels
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- Agria’s lifetime cover reinstates vet-fee cover each year if renewed without a break in cover. Renewal is not guaranteed, and if Agria offers renewal it may change premium, terms, fixed excess, percentage excess and monetary cover levels
“we may change your premium, policy terms, conditions, fixed excess, percentage excess and the monetary amount of cover.”
Official source: Terms & Conditions page; homepage; policy booklet · reviewed 2026-07-09
Compare all insurersProvider FeaturesLifetime cover range from Lite to Premium. Optional extras including third-party liability, overseas travel, boarding/holiday cancellation, theft/straying and breeding cover. 24/7 vet video calls through the Agria app. My Account allows claim start/track and policy-detail changes. Multi-pet discount publicly advertised
Being checked
- Details
- Lifetime cover range from Lite to Premium. Optional extras including third-party liability, overseas travel, boarding/holiday cancellation, theft/straying and breeding cover. 24/7 vet video calls through the Agria app. My Account allows claim start/track and policy-detail changes. Multi-pet discount publicly advertised
Not published in official documents reviewed
Official source: Not published in official documents reviewed · reviewed 2026-07-09
Compare all insurersPolicy change history
- Knowledge Platform updated2026-07-01
Framework updated to v1.4 — Evidence Layer expanded across every Knowledge Product.
- Guide refreshed2026-06-15
Claims and Pre-existing Conditions explainers updated with clearer plain-English wording.
Official information
Underwriter / administrator: Agria Pet Insurance
Knowledge Platform v1.4 · checked 2026-07-09. Every answer records the official information it came from, and many link straight to the insurer's own page or document. Where an answer names a document but we have not yet linked it, we say so on the answer instead of implying a direct link.