Agria is a Sweden-based company and a leader in the pet insurance industry. The company invented pet insurance in 1890 and has been offering insurance services for horses and small animals for over 120 years. Agria entered the UK market in 2009 and offers top-quality insurance for rabbits, cats, and dogs. It’s famous for the Lifetime Pet Insurance product which includes 2 levels of coverage and for premium out-of-hours pet care. The company focuses on working closely with the veterinary sector and supports animal organizations to promote animals’ wellbeing, which makes it a top choice among pet lovers.
Agria’s pet insurance policies received a total rating of 4.75/ 5. This review explains how we came to this level of rating and the reasons why Agria ranked so high. After you’ve finished reading this brief, you can decide if the company’s insurance policies fit your requirements to protect your pet.
Policy Coverage 5/5
Coverage Options 4/5
Customer Satisfaction 5/5
Excess/ Copay 4/5
Total out of 25 23
Star Rating 4.75
Coverage and Benefits
The company offers 4 types of pet insurances comprising lifetime policies, time limited policies, per condition policies and accident only policies.
The Lifetime Insurance policy for dogs, cat, and rabbits comprises 2 levels, respectively Agria Lifetime and Agria Lifetime Plus and additional options.
The basic cover, which is cheaper, includes a £6,500 coverage, reward, and advertising of up to £1,000, accommodation and travel in value of £300, standard excess of £95 or £160 and public liability up to £2 million.
But, the Plus level, which is more expensive, offers a £12,500 coverage, reward and advertising up to £1,500, travel and accommodation of up to £300, a £25 voucher for vaccination, standard excess of £95 or £160, and public liability of up to £3 million.
Both levels offer free access to the 24/7 Pet Health helpline and free recovery services at Pet24. And, you can add extra options such as overseas travel, death and loss, breeding risks, boarding fees, and additional excess amounts.
The 12-months limited policies provide coverage up to a specific value or period for each diagnosed condition. The standard period is 12 months from when the conditions showed symptoms or started to be treated.
The per condition Agria policies offer coverage up to a specific value of money for every condition which is diagnosed. When you’ve exceeded the limit, you can’t make any additional claims for that condition.
And, accident only Agria policies offer coverage up to a determined amount or period for injuries caused by accidents. But you cannot make a claim for any illnesses.
Claiming the Insurance
Agria has simplified the insurance claim process. It involves filling out a form which you can download from the company’s website or you can request it by email via claims[at]agriapet.co.uk.
Once you’ve included the required details in the form, ask your veterinary to fill in the necessary sections. Attach any bills for treatments and your pet’s medical records and send it by mail to Agria Pet Insurance Limited, PO Box 506, Manchester, M288EN.
After the claim has been examined, you will receive a cheque for the owed amounts. Although the company doesn’t have as many claim channels as others, the procedure is straightforward and streamlined.
With Agria pet insurance, you receive 24/7 access to the free Pet Health helpline which you can contact at 03333 32 19 47. You’ll receive advice from a professional team of veterinary nurses in case you’re concerned about your pet’s health.
Excess and Co-pay
You can choose either £95 or £160 annual excess options for dogs and £85 or £160 annual excess for cats. When the excess is deducted, you pay 10% of the total veterinary costs.
Pros and Cons
Below are a few of the benefits and disadvantages of using Agria’s pet insurance services:
- Limited policy levels for simplified procedures;
- Complete vet costs coverage;
- Vet fees are paid to you or the vet;
- Highly customizable policies;
- Streamlined claims process;
- Fully integrated and non-stop customer support via the Pet Health helpline for your pets’ wellbeing;
- Free access to the Pet24 recovery services.
- Expensive policy premiums compared to other insurance providers;
- Agria includes a wide range of high-end options in the standard policy level.