Agria vs Petplan pet insurance
Last updated
Agria and Petplan are the two heritage UK pet insurers that share the rare combination of no upper age limit at sign-up, broad lifetime cover and deep vet-practice familiarity. The choice between them is more often about pedigree fit and price on the specific pet than about which brand is "better" in the abstract.
Quick verdict
For owners of pedigree dogs and cats with hereditary risk, Agria has the structural fit and the breeder-route history. For owners who want the broadest direct-pay vet network in the UK, Petplan wins on operational depth. Both write new policies on senior pets that other insurers will not touch. Quote both for your pet \u2014 the price gap can swing either way.
Side-by-side
| Brand | Agria | Petplan |
|---|---|---|
| PetCoverPro score | 4.5 / 5 | 4.4 / 5 |
| Cover style | Lifetime | Lifetime |
| Plan tiers | Lifetime | Essential, Classic, Ultimate |
| Vet-fee limit | Up to £12,500 per year | Up to £12,000 per year on Ultimate |
| Excess from | From £99 | From £99 |
| Dental cover | Yes | Yes |
| Behavioural cover | Yes | Yes |
| Mobile app | Yes | Yes |
| Direct vet payment | Yes | Yes |
| Multi-pet discount | Up to 10% multi-pet discount | 10% off each additional pet |
| Max new-policy age | No upper age limit at sign-up | No upper age limit at sign-up |
| Underwriter | Agria Försäkring (UK branch) | Allianz Insurance plc |
| Get a quote | Visit Agria → | Visit Petplan → |
Limits and prices change. Confirm current figures on each brand\u2019s site before buying. We last refreshed this table at the date stamped on the page.
Winner by criterion
Vet-fee limit headroom
AgriaAgria reaches £12,500 per year versus Petplan’s £12,000.
Vet practice familiarity
PetplanMost UK practices have direct-pay relationships with Petplan and recognise it as the default.
No upper age limit
TieBoth will write a new policy at any age — the only two heritage UK insurers that do.
Breeder-route entry
AgriaFree four-week cover via Kennel Club accredited breeders is unique to Agria.
Cover breadth
Petplan (slight)Petplan’s Ultimate tier is one of the broadest in the UK on dental, behavioural and complementary.
Underwriter scale
PetplanAllianz globally is one of the largest insurers in the world; Agria is a specialist Swedish group.