Agria Pet Insurance Review: Is the UK's Top-Rated Insurer Worth It?
Our Agria review: lifetime-only cover up to £20,000 a year, no upper age limit to join, dental illness covered with conditions, five weeks free for rescue dogs, and what we found in the full policy booklet.
Updated 28 October 2026
Agria is the best all-round pet insurance in the UK on the facts we have. It only sells lifetime cover, its top policy pays up to £20,000 of vet fees a year, dogs can join at any age, and it has the strongest customer ratings in the market. The catches are a price that is rarely the cheapest, a percentage excess on some policies, and limits for extras such as special diets that never refill. It ranks first in our guide to the best pet insurance providers in the UK.
Agria at a glance
| Agria lifetime cover | |
|---|---|
| Best for | Owners who want high lifetime limits and the best claims record, at any age |
| Skip it if | You want the cheapest quote, or accident-only cover |
| Vet fees | £3,000, £6,500, £12,500 or £20,000 a year, reset every renewal |
| Excess | A fixed excess per condition each year, plus a percentage excess on some policies, shown on your schedule |
| Joining age | From 8 weeks, no upper age limit |
| Dental | Injury and illness, with a dental check in the previous 15 months |
| Claims record | Says it paid 98% of claims in 2025 |
| Multi-pet discount | 5% |
| Trustpilot | 4.8 out of 5 from more than 13,000 reviews |
| Also sold as | Royal Kennel Club Pet Insurance, same wording, limits up to £25,000 |
Checked against Agria's website and full policy booklet on 6 October 2026.
Our verdict
Agria is the insurer to beat if you want lifetime cover and nothing else. It does not sell time-limited or per-condition policies at all, its top plan now covers £20,000 of vet fees a year, and there is no upper age limit to join. Its customer ratings are the strongest in the market, with 4.8 out of 5 on Trustpilot from more than 13,000 reviews and the top customer score in Which?'s latest pet insurance ratings. It is rarely the cheapest quote, but it is one of the safest places to put your dog's cover.
What you get
Four lifetime policies, each with an annual vet fee limit that resets in full every year you renew:
| Policy | Vet fees per year |
|---|---|
| Lifetime Premium | £20,000 |
| Lifetime Plus | £12,500 |
| Lifetime | £6,500 |
| Lifetime Lite | £3,000 |
Lifetime, Lifetime Plus and Lifetime Premium are all Which? Best Buys. Lifetime Lite is not.
Every policy includes free 24/7 video calls with a vet through the Agria app, and Agria can pay your vet directly. Dental illness is covered as well as dental accidents, which sets it apart from much of the market. Puppies can be covered from 8 weeks, and there is a 5% multi-pet discount.
Agria also runs one of the best perks in UK pet insurance. If you adopt from a participating rescue centre, your dog gets five weeks of free cover with up to £5,000 of vet fees, whatever their age.
Also sold as Royal Kennel Club insurance. The Royal Kennel Club's policies are underwritten and run by Agria, and the policy booklet is Agria's, word for word. Only the limits are different, with the top Royal Kennel Club plan going to £25,000 a year, so it is worth a quote on both.
What it costs
Agria sits in the middle to upper part of the market. You are paying for high limits and a strong claims record rather than a low headline price, and the £20,000 Premium plan costs noticeably more than the £3,000 Lite plan. As with every insurer, your dog's breed and age and your postcode move the price more than anything else, so get a quote on at least two cover levels to see where the value lands.
The catches
- Check the excess on your schedule. Every policy has a fixed excess per condition each year, and some also carry a percentage excess on every claim. It will be shown on your policy schedule, so read it before you buy, not when you claim. Our guide to pet insurance co-payments explains what a percentage excess adds to a claim.
- Dental illness comes with a condition. You need a dental check within the previous 15 months, with any recommended treatment done, or gum and tooth problems will not be covered.
- Pre-existing conditions are excluded, as they are with almost every insurer.
- It only does lifetime cover. For most owners that is a strength, but if you only want cheap accident cover, you will need to look elsewhere.
The small print, in short
We read Agria's full lifetime policy booklet (March 2025 edition). These are the points that are easy to miss.
- Some limits never refill. The limits for clinical diets, complementary treatment, behaviour, stem cell and PRP therapy are per condition for life. Unlike the main vet fee limit, they do not reset when you renew.
- Two excesses on many claims. You pay the fixed excess and, where your schedule shows one, a percentage excess on every claim. If treatment runs across your renewal date, the fixed excess is charged again.
- Six months to claim. You must claim by the end of the policy year or within 6 months of the first treatment, whichever is later. Petplan and Waggel give you 12 months.
- Keep a short lead near livestock. If your dog is hurt while off a short lead near livestock, including horses, the vet bills are not covered, not just the liability.
- No refund after a claim. If you cancel after claiming in the same policy year, you get nothing back.
- Hidden perks: titre tests are accepted instead of boosters (except for leptospirosis), and the booklet covers glucose monitors, joint replacements, stem cell treatment up to £1,500, PRP up to £750, £150 towards cremation with no excess, boarding fees if you are in hospital for 3 days or more, and 21 days of cover in Ireland.
Should you buy it?
If you want a lifetime policy from an insurer with a proven claims record and some of the highest limits on the market, Agria is the easiest recommendation in UK pet insurance. It is especially strong for rescue dogs and older dogs. If you want claiming never to raise your price, look at Petplan. If your dog already has a condition, ManyPets is one of the few that may cover it. If price matters more than anything, Animal Friends is the cheaper lifetime option, and our full UK pet insurance guide compares all ten.
Sources
- Agria: dog insurance and older pets
- Agria: rehoming cover
- Agria: lifetime dog policy booklet (AGTCLDOGv2, March 2025)
- Agria Lifetime Premium policy summary (IPID)
- Trustpilot: Agria
- Which?: best and worst pet insurance
Details and the full policy document checked on 6 October 2026. Insurers change their policies often, so always read the policy documents before you buy.
Common questions
Is Agria good pet insurance?
It is one of the strongest insurers in the UK. It only sells lifetime cover, three of its four policies are Which? Best Buys, it holds a Defaqto 5 star rating, and it says it paid 98% of claims in 2025. It has the highest customer score of any insurer in Which?'s current pet insurance ratings.
Does Agria have an upper age limit?
No. Agria says there is no upper age limit for starting a lifetime policy, so older dogs can join. Puppies can be insured from 8 weeks old.
Does Agria cover dental treatment?
Yes, both dental injury and dental illness, which many insurers exclude. For gum and dental illness your dog must have had a dental check in the previous 15 months, and any treatment recommended at that check must have been done.
Who is behind Kennel Club pet insurance?
The Royal Kennel Club's pet insurance is underwritten and administered by Agria. We compared the two policy booklets and the wording is the same, word for word. Only the limits differ, with Royal Kennel Club cover going up to £25,000 a year, so quote on both.
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