Lifetime Dog Insurance

This is the amount that you must pay towards each claim that you make. The excess is specified in your schedule of insurance and in addition to a fixed excess a percentage excess may also apply. When your pet’s treatment falls into two or more periods of insurance, you must pay the fixed excess for each period of insurance and also for each separate illness or injury. The excess will be deducted from the claim settlement. For full information on the excesses please refer to the Policy Terms and Conditions booklet.

No, we do not require your dog to be microchipped to use our insurance. However, certain sections of the policy such as loss due to theft or straying will be invalidated if the dog is not microchipped. You can read more about microchipping pets here.

Yes, we will pay up to a maximum amount for the cost of behavioural treatment for each separate illness or injury provided this has been carried out by a behaviourist acting under the direction of your vet. The behaviourist must be a certified clinical animal behaviourist or a member of one of the following organisations – the Association of Pet Behaviour Counsellors or the Canine and Feline Behaviour Association. This limit is included within the overall maximum veterinary benefit, which you have selected.

The policy includes cover for dental illness and injury but there are some restrictions to the cover provided and we will not pay for routine check-ups including descaling and polishing; elective or cosmetic treatment; any treatment for crowns and root canal procedures, though there are some exceptions to this. 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 call our claims helpline and talk to one of our pet insurance specialists.

We will provide cover for the cost of treating skin conditions, so long as there were no symptoms or clinical signs prior to the start of the policy. All claims are assessed in line with the policy terms so please refer to the policy booklet for more detail.

We will provide cover for the cost of treating diabetes, so long as there were no symptoms or clinical signs prior to the start of the policy. All claims are assessed in line with the policy terms so please refer to the policy booklet for more detail.

We will cover some working dogs such as gundogs, sheepdogs and search and rescue dogs. However, dogs used for security or racing will not be covered.

For dogs, lifetime pet insurance is often considered the best option. It provides cover throughout your pet's life. This often includes pre-existing conditions and comprehensive protection for peace of mind.

Lifetime dog insurance refers to an insurance policy that provides cover for your dog's entire life (as long as you continue to renew the policy and pay the renewal fee). This type of insurance often offers continuous cover for veterinary expenses, including illness, injury, and sometimes preventive care. You'll often be covered throughout the dog's life, without a cap on the total amount that can be claimed.

The cost of dog insurance depends on the age of your dog, your location and cover level chosen. Lifetime pet insurance, while it may have a higher initial cost, often works out to be more cost effective in the long run as it can save you money by avoiding high vet bills. The average price Agria customers paid was £55.03 per month. This is based on all new Agria Dog Insurance policies sold in Q1 of 2024 at all Lifetime cover levels. This includes third party liability, tax and any discounts made.