Training Example: Agria Pet Insurance – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Best of care and peace of mind
[H1] Agria Pet Insurance
Which? Best Buy 2026Get a quote
[IMG: Telegraph Best Buy logo]
[IMG: Eco Offset - Carbon positive company logo]
[H2] Our lifetime pet insurance is a
Which? Best Buy 2026
Since 1890 we have helped millions of pets live long and healthy lives giving owners peace of mind and leaving
a legacy of love. Relax, your pet is in good hands when they're insured with Agria Pet Insurance.
[IMG: British Equestrian Official Partner]
[H3] Dog 
insurance
Third party liability and up to £20,000 vet fees every year.
[H3] Cat insurance
Quality cover for your cat, indoors or out, with 24/7 vet video calls.
[H3] Rabbit 
insurance
Specialist cover for your rabbit, with up to £2,500 vet fees every year.
[IMG: British Equestrian Official Partner]
[H3] Horse 
insurance
The only lifetime horse insurance in the UK, with up to £10,000 vet fees cover every year.Agria's Lifetime Premium £20,000 dog and cat policies have been the highest-scoring Best Buy for 3 years. We are also a Which? Best Buy for our Lifetime and Lifetime Plus dog and cat insurance products.
* Which? policy score ratings are based on an analysis of policy cover levels conducted in November 2025. Best Buy providers have a high policy score and a good track record for paying claims. Read the Which? article.
[H3] Lifetime, every time
Lifetime cover means the best care, with no time limits on individual conditions. Your benefits renew each year with your insurance, along with cover for ongoing conditions.Learn more
[H2] Proud to be premium
Since 1890 we have helped millions of pets live long and healthy lives giving owners
peace of mind and leaving a legacy of love.
[H3] Up to £20,000 towards vet bills every year
So your pet can get the care they need.
[H3] We pay 98% of claims*
And we can pay your vet directly, so you can focus on your pet.
[H3] 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.
[H3] Free vet video 
calls, 24/7
Which means help
is always on hand if
you’re worried.Get a quoteAbout AgriaGet a 5% multi-pet discount when you insure more than one pet with us.*Based on all Agria Pet Insurance and Royal Kennel Club Pet Insurance claims received between January 2025 and December 2025.
[H2] The UK's most trusted pet insurer*
“We have a 5 month old puppy who developed a serious condition that needs specialist Vet treatment and surgery. Agria took all the worry and stress away from us and dealt with our Vet directly. 5 * experience from a 5 * company”Kevin5 December, 2025
[IMG: Kevin]
Trustpilot reviewsGet a quote*Based on Agria Pet Insurance's number 1 Trustpilot ranking in the category Pet Insurance, correct as of Feb 2026.
[H2] Pet insurance with purpose
We are the world’s first pet insurer and have been providing pet healthcare since 1890.
[IMG: A brown and black cat sits next to a black and white dog on a light wooden floor.]
[H4] Eco-friendly
In fact, we’re the UK’s first carbon positive insurer.
More about our sustainability
[H4] Ethical
We work closely with animal welfare, vets, breeders and rehoming organisations. We’ve donated over £1.2 million
to support animal welfare in the UK.
More about animal welfare
[H4] Specialist
We’re the only pet insurer endorsed by Crufts and we're a major sponsor of the event.Find out more
[IMG: The Kennel Club Charitable Trust Home Page]
[IMG: Crufts Home Page]
[IMG: Vet Compass - Your Knowledge Hub]
[H3] If only they could talk, fortunately we can.
Have questions about lifetime insurance? We’re here to help!Our team is ready to explain simply and clearly – because your pet's care is worth understanding.03330 301 000*Average speed of answering calls between October 2024 – March 2025, once details have been obtained. ​Phone operating hours vary.
[H2] Already an Agria customer?
Log in to manage your account and access your rewards.
[H2] My Account
With free, 24/7 access to My Account, Agria customers can manage their policy on their terms.
Start or track a claim
Change your payment date or how you pay
View and amend your personal or pet details
Login to My Account
[H2] Rewards
Access new and improved exclusive discounts and offers across a range of loved brands.
Discounts on brands you and your pets will love
More giveaways; from event tickets to staycations
Freebies for you and your pets to enjoy
Find out more
[H2] Pet help and advice
Read expert advice on keeping your pet healthy and happy.Pet Owners
[H3] The top 10 best dog walking cities in the UK
DogThe top 10 best dog walking cities in the UK Welfare
[H3] The importance of sleep for dogs’ wellbeing
DogThe importance of sleep for dogs’ wellbeing Behaviour
[H3] Why does my doodle or poo follow me everywhere?
DogWhy does my doodle or poo follow me everywhere?Welfare
[H3] Walking safely in the summer season
DogWalking safely in the summer seasonBreeders
[H3] Breeder basics - what to expect when you're expecting
DogCatBreeder basics - what to expect when you're expectingPet Owners
[H3] How to care for your doodle or poo’s coat
DogHow to care for your doodle or poo’s coatPet Owners
[H3] Coat types in doodles and poos - what to expect
DogCoat types in doodles and poos - what to expectPet Owners
[H3] How to help your doodle or poo feel comfortable with grooming
DogHow to help your doodle or poo feel comfortable with groomingWelfare
[H3] How to choose a good doodle or poo breeder
DogHow to choose a good doodle or poo breederSee all guides
[H2] Why should I choose lifetime pet insurance cover?
[IMG: Girl and her dog on an adventure]
There’s no NHS for pets.
If your four-legged family member falls ill, has an accident or develops a lifetime condition, the cost of their care is down to you.
Unless they have lifetime pet insurance.
Unlike other policies, lifetime cover is there for your pet, for life. So, should they need veterinary treatment, we’ll take care of the cost, and you can be there for them.
At Agria, we believe pet insurance should last your pet’s lifetime. Our policies provide lifelong vet fees for illnesses and injuries!
[H2] Frequently asked questions
[H3] What is lifetime pet insurance?
Lifetime pet insurance is a policy that covers veterinary expenses for your pet throughout its life, with no annual or per-condition limits, as long as you renew the policy and pay premiums. It provides ongoing coverage for illnesses, accidents, and chronic conditions.
[H3] Is a lifetime policy worth it?
Whether a lifetime policy is worth it depends on your pet's health, breed, age, and your budget. It's generally considered as the highest level of comprehensive cover for your pet's entire life, but it often comes with a higher price. Consider if the higher price is worth it for peace of mind.
[H3] Does lifetime pet insurance cover accidents?
Yes, lifetime policies typically cover accidents, along with illnesses and chronic conditions, providing comprehensive cover for your pet's veterinary expenses throughout its life.
[H3] Does the cost of lifetime pet insurance increase every year?
The cost of a lifetime policy can vary depending on factors such as your pet's age, breed, location and also the inflation of veterinary costs. While some policies may adjust premiums annually, others may stay at a fixed rate. It's important to review the terms of your policy to understand how prices may change at the time of renewal.
[H3] Does Agria Pet Insurance have a multi-pet discount?
Yes, you get a 5% multi-pet discount if you insure more than one pet with us. This means you can manage all your pets in one My Account login, choose from different levels of cover for each pet, and save money.
[H3] Do Agria Pet Insurance cover older pets?
There is no upper age limit on our insurance, so you can start your cover at any point of your pet ownership journey.
[H3] Why should I choose Agria Pet Insurance to cover my pet?
At Agria Pet Insurance, we do protection for pets differently. Maybe it's our Swedish heritage, or the fact we have been providing pets with healthcare since 1890. Since then, we have continued to grow across Europe and came to the UK in 2009.
As pet insurance specialists, we work closely with animal welfare organisations, vets and breeders to ensure pets and their owners are provided with the best healthcare.
Our Lifetime Premium dog £20,000 dog and cat policies have been the highest-scoring Which Best Buy for 3 years. We are also a Which? Best Buy for out Lifetime and Lifetime Plus dog and cat insurance products. We’re Defaqto 5-star rated, a Telegraph Best Buy, and have been officially awarded Ethical Accreditation by The Good Shopping Guide.
Find out more about Agria Pet Insurance.

The UK’s only lifetime horse insurance
[H1] Horse Insurance
Complete cover for peace of mindGet a quote
[IMG: White horse in stable]
[H2] 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 lifetime insurance 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.
[H2] Give your horse the very best care
Agria has been insuring horses since 1890; the first company in the world to do so.†
[H3] Up to £10,000 towards vet bills every year
So your horse can get the care they need.
[H3] No upper age limit
Cover for life, from 30 days old with no upper age limit.
[H3] 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.
[H3] Policy transferable to a new owner
So your horse’s lifetime cover can continue.
[H3] 5% multi horse discount
When you insure two or three horses with us, you will save with our 5% multi-horse discount. ††
[H3] Free vet video calls
Which means help is always on hand if you’re worried.Get a quoteGet a 5% discount when you insure more than one horse with us (maximum of 3 horses) or any other pets.
† 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.
[H2] What’s covered
[H4] Vet fees
Up to £10,000 each year, renewed in full every year.
[H4] Complementary treatment
Up to £1,000 each year towards therapies like physiotherapy and hydrotherapy.
[H4] Free vet video calls
The Agria app gives you free access to expert advice from a vet.
[H4] Euthanasia
Up to £500 to cover the costs of euthanasia, if they are euthanised due to an illness or injury covered by the insurance.
[H4] 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.
[H4] Medication
Medication that your vet orders, sells or prescribes for examining or treating your horse.
[H4] 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:
[H3] 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).
[H3] 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.
[IMG: Brown horse with two vets - Agria Pet Insurance]
For a summary of what is covered, you can read the Insurance Product Information Document (IPID) for Equine Lifetime Lite, Equine Lifetime and Equine Lifetime Plus.
[H2] Optional extras
[H3] 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.
[H3] 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.
[H2] What's not covered
[H4] Cover for pre-existing conditions that started before your policy
Conditions that began or showed symptoms before your policy started are considered pre-existing. Conditions that arise after your policy exclusion period ends are covered as long as the policy remains active.
[H4] 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
[H4] 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.
[H3] If only they could talk, fortunately we can.
Have questions about lifetime insurance? We’re here to help!Our team is ready to explain simply and clearly – because your horse's care is worth understanding.03330 301 000
[H2] The UK's Most Trusted Pet Insurer*
Trustpilot reviewsGet a quote*Based on Agria Pet Insurance's number 1 Trustpilot ranking in the category Pet Insurance, correct as of Feb 2026.

[H2] 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.
[H3] Excess explained
Fixed excess
This is the amount that you must pay towards veterinary treatment and complementary treatment received during each period of insurance. The fixed amount is applied once per period of insurance for the veterinary treatment your horse receives. You may only increase your excess at time of renewal.

Co-insurance
This is the percentage that you must pay towards the cost of veterinary treatment and complementary treatment received during each period of insurance and is applied per claim. The percentage amount is calculated on the amount left after the fixed excess is deducted. The co-insurance percentage cannot be changed.
[H3] Is microchipping required?
It is a legal requirement to have your horse microchipped. To support any claims assessments for your horse, we will need to take their microchip number.
[H3] Transferring my horse’s lifetime cover to a new owner
If there is a change in ownership of your horse, please contact our Customer Services team on 03330 308377 who will be happy to help with this.
[H3] What is sum insured, purchase price and market value?
‘Sum insured’ is the amount selected by you that we accepted as the most we will pay. ‘Purchase price’ is what you declared as paying when buying your horse. ‘Market value' is the price generally paid for a horse of the same age, breed, sex and ability as your horse just before the injury happened or the illness first showed clinical signs.
[H3] Is dental treatment covered?
In some cases dental treatment is covered. We will pay the cost of root tip abscess up to the maximum benefit for the examination and treatment of root abscess. We also cover tooth fracture up to £450 per period of insurance for a tooth fracture involving the tooth root. Please refer to T&Cs for more information
[H3] Can you insure a horse without a vetting certificate?
The requirements for a vetting certificate depend on the value of the horse and whether you wish to take out additional cover for loss of use and death. We will let you know whether this is required when taking out a policy with us.
Our equine claims team conduct a review of the requested documentation. Additional exclusions may then be placed on your policy depending on the findings.
If additional exclusions are placed on the policy, you will be informed and an additional 14-day cooling-off period will be added.
View our table to see the vetting certificate requirements visually explained.
[H3] How much is horse insurance?
The cost of horse insurance can vary based on the horse's age, breed, location, activity group, and the type of policy you choose. Lifetime horse insurance is often considered the best option as it provides cover for ongoing and chronic conditions throughout your horse's life. Note that we do not cover conditions that started before your policy, or within your first 14 days of cover.
Although the cost of lifetime insurance may be slightly higher, the peace of mind of knowing your horse is covered for life can outweigh the increased cost. The average price Agria customers paid for horse insurance was £43.17 per month. This is based on all new Agria Horse Insurance policies sold in Q1 of 2024 at all Lifetime cover levels. This includes Insurance Premium Tax and excludes policies sold where a discount or special offer was available.
[H3] Are race horses insured?
Agria does not insure any horses that race under British Horse Racing Authority rules but we do cover horses for point to point racing.
[H3] Do horse trailers need separate insurance?
There is no legal requirement for specific trailer insurance. However horse trailers are targeted by thieves so many insure against this. Agria does not currently offer specific horse trailer insurance.
[IMG: Horse owner walking with horse]
“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.”IanEquine policyholder
[H2] Join our Social Community
Join our private group today for access to exclusive photo competitions, prize draws, or just to show off pictures of your prized horses.FacebookInstagram
[H2] Caring for your horse
Read expert advice on keeping your horse healthy and happy.Health
[H3] Euthanasia for horses — all you need to know
HorseEuthanasia for horses — all you need to knowWelfare
[H3] The most expensive horse insurance claims
HorseThe most expensive horse insurance claimsPet Owners
[H3] Most common horse health conditions claimed on pet insurance
HorseMost common horse health conditions claimed on pet insurance
[H3] The Icelandic horse - a versatile and unique horse breed
HorseThe Icelandic horse - a versatile and unique horse breedHealth
[H3] Alsike clover toxicity in horses
HorseAlsike clover toxicity in horsesPet Owners
[H3] How to buy a horse - essential reading
HorseHow to buy a horse - essential readingHealth
[H3] Laminitis in horses: how to feed a horse with laminitis
HorseLaminitis in horses: how to feed a horse with laminitisHealth
[H3] Laminitis in horses: how farriery can help laminitic horses
HorseLaminitis in horses: how farriery can help laminitic horsesHealth
[H3] Laminitis in horses: causes, prevention and treatment
HorseLaminitis in horses: causes, prevention and treatmentSee all our equine guides and advice

About Agria
[H1] Caring for pets and their owners since 1890
[IMG: Telegraph Best Buy logo]
[IMG: Eco Offset - Carbon positive company logo]
[H2] We do pet insurance differently
At Agria we understand that a pet is for life, and your insurance should be too. That’s why we only offer lifetime pet insurance to our customers, ensuring pets get the best healthcare, for life. We work closely with animal welfare organisations, vets and breeders to make sure pets and owners get the best healthcare and support. Our mission is to provide the best of care for pets and peace of mind for their owners.
[H3] If only they could talk, fortunately we can.
Protecting pets is personal – and so is our service.We know sometimes only a chat will do, especially when it comes to your pets. Agria makes it easy to speak to our UK-based team about all your pet insurance needs, with calls answered in under 2 minutes* 03330 301 000*Average speed of answering calls between October 2024 – March 2025, once details have been obtained. ​Phone operating hours vary.
[H2] The Agria Story
At Agria Pet Insurance, we do protection for pets differently. Maybe it's our Swedish heritage, or the fact we have been providing pets with healthcare since 1890! Since then, we have continued to grow across Europe and came to the UK in 2009.As pet insurance specialists, we work closely with animal welfare organisations, vets and breeders to ensure pets and their owners are provided with the best healthcare.
[IMG: Agria Pet Insurance event stand]
[IMG: A grey rabbit is being fed a green piece of vegetable by a person sitting on a sofa.]
[H2] What sets us apart
We shape our products by working with vets, breeders and rehoming organisations. We believe in a tailored approach to pet insurance, which is why our policies offer a flexible range of options so our customers only pay for what they need.
Our staff love animals and are committed to ensuring pet owners receive the best service.
Our claims handling team consists of veterinary-trained nurses and all our staff are based here in the UK.
As pet insurance specialists, innovation, research and working with animal health and welfare partners is at the heart of what we do.
We believe pet insurance should be simple and uncomplicated.
[H2] Pet insurance with purpose
We are the world’s first pet insurer and have been providing pet healthcare since 1890.
[H4] Sustainable
In fact, we’re the UK’s first carbon positive insurer.
More about sustainability
[H4] Ethical
We work closely with vets, breeders and rehoming organisations. We’ve donated over £2 million
to support animal welfare organisations in the UK.
More about animal welfare
[H4] Premium
We’re the only pet insurer endorsed by Crufts and a major sponsor of the event.
[IMG: Tabby cat sitting down outside - Agria Pet Insurance]
[IMG: The Kennel Club Charitable Trust Home Page]
[IMG: Crufts Home Page]
[IMG: Vet Compass - Your Knowledge Hub]
[H2] The UK's most trusted pet insurer
Based on Agria Pet Insurance's number 1 Trustpilot ranking in the category Pet Insurance, correct as of Feb 2026.“If you have any doubts about this company, don't. Every interaction with them has been outstanding and their customer advisors are without exception, amazing. Sadly, our beloved dog died a few weeks ago and their response was sensitive, efficient and exemplary and a few days later, we received a condolences card in the post. If, and when we get another pet, this will be the one and only company we'll go with. Thank you Agria and thank you to all of your team.”LorperMarch 9, 2026
[IMG: Lorper]
Trustpilot reviews
[H2] Our Awards
[IMG: December 2025 Which? Best Buy logo for Cat Insurance]
[IMG: December 2025 Which? Best Buy logo for Dog Insurance]
[IMG: A yellow speech bubble graphic displays]
[IMG: Five orange stars on a purple background with text stating]
[IMG: Good Shopping Guide logo indicating an ethical business.]
[H4] Which? - Highest scoring Pet Insurance Best Buy for our Lifetime Premium Cat & Dog
Agria's Lifetime Premium £20,000 dog and cat policies have been the highest-scoring Best Buy for 3 years. We are also a Which? Best Buy for our Lifetime and Lifetime Plus dog and cat insurance products.
Which? policy score ratings are based on an analysis of policy cover levels conducted in November 2025. Best Buy providers have a high policy score and a good track record for paying claims. Read the Which? article.
[H4] The Good Shopping Guide Ethical Accreditation - top of the table with 100%
Agria Pet Insurance has officially been awarded Ethical Accreditation by The Good Shopping Guide, a trusted organisation that independently verifies the ethical standards of businesses across the UK and beyond.
This achievement is a meaningful milestone for Agria Pet Insurance, as we scored maximum points across the criteria of environmental impact, animal welfare, human rights, supply chain ethics and corporate transparency - placing us at position one in the Pet Insurance category.
"We are pleased to endorse Agria Pet Insurance with Ethical Accreditation, following a detailed analysis of the company's ethical policies and practices. Agria receives a top-ranking GSG Score of 100 in our Ethical Pet Insurance Table, reflecting its commitment to responsible finance, environmental sustainability, and animal welfare. Agria’s carbon-positive approach and commitment to funding planet-positive sectors prove that pet insurance can be both protective and progressive."
Editor, The GOOD Shopping Guide
[H4] Defaqto - expert rated 5-star
Our lifetime cat and dog policies are rated 5-star.
“★★★★★ An excellent product with a comprehensive range of features and benefits.”
[H4] The Telegraph Best Buy 2024
“Agria works hard to listen to stakeholders in the pet care world, and the claim that Agria is trusted and recommended by over 50,000 vets, animal rescues and breeders carries a lot of weight.”
[H2] Find out more about our insurance
[IMG: British Equestrian Official Partner]
[H3] Dog
insurance
Third party liability and
up to £20,000 vet fees every year.

[H3] Cat
insurance
Quality cover for your cat, indoors or out, with 24/7 vet video calls.

[H3] Rabbit
insurance
Specialist cover for your rabbit, with up to £2,500 vet fees every year.

[IMG: British Equestrian Official Partner]
[H3] Horse
insurance
The only lifetime horse insurance in the UK with up to £10,000 vet fees every year.Get a quote

[H3] Customer login
For pet owners with an Agria Pet Insurance policy
[H3] Partner login
For breeders, vets, rehoming organisations or Agria partners