We pay 98% of claims*

Please call us on 03330 30 10 00 should you require a paper claim form.

To get your pet’s treatment pre-authorised, please ask your veterinary practice to complete the online form at https://www.agriapet.co.uk/preauthorisation/

We can only pre-authorise treatment that is going to be over £750 and must have a full clinical history and itemised estimate.

• Please note to comply with our dental terms and conditions for Dogs, Cats and Rabbits, the pet must have had their teeth checked in the 15 months prior to the illness being noted. Any veterinary treatment recommended as a result of this health check must be carried out within 12 months of the recommendation. *Please contact us if treatment was delayed outside of this time frame due to the pets health.
• For Horses, dentistry is only covered under the following terms – ‘Root tip abscess: up to the maximum benefit for the examination and treatment of root abscess. Tooth Fracture – up to £450 per period of insurance for a tooth fracture  involving the tooth root.  The damaged or affected tooth must not be affected by caries, chronic infection of the oral cavity or by feed packing’

Claims can be submitted online via our claim form. You must submit your claim by the end of the period of insurance or within six months from the first date of treatment, whichever is the latter.

The excess on your pet insurance policy is your contribution towards the cost of your claim. The excess is chosen by you at the start of your policy and as with any insurance provider, allows us to ensure that premiums remain affordable for our policyholders.

A fixed excess is the amount you will pay every policy year for each condition. 

The variable or percentage excess is calculated after the fixed excess is deducted along with any other deductions applied to your claim.

Your fixed and variable excess can be found on your Policy Schedule.

You can only claim for treatment that has already taken place. All claims need to be submitted with a supporting invoice by the vet who has seen your pet, confirming what has been charged for.

Claiming for ongoing treatment

A claim can be submitted via our website for ongoing conditions.

Any sign of illness, disease or injury that your pet has before the policy starts.

For example, if your pet has a sore front leg before the policy starts that turns out to be elbow dysplasia then the first clinical sign of that illness is pre-existing to the policy.

Claiming for medication bought online 

To comply with our dental terms and conditions for Dogs, Cats and Rabbits, the pet must have had their teeth checked in the 15 months prior to the illness being noted. Any veterinary treatment recommended as a result of this health check must be carried out within 12 months of the recommendation. *Please contact us if treatment was delayed outside of this time frame due to the pets health.

For Horses, dentistry is only covered under the following terms – ‘Root tip abscess: up to the maximum benefit for the examination and treatment of root abscess. Tooth Fracture – up to £450 per period of insurance for a tooth fracture  involving the tooth root. The damaged or affected tooth must not be affected by caries, chronic infection of the oral cavity or by feed packing’

A dental health check is a veterinary check of the teeth and gums. We ask you to do this to ensure that any dental disease is treated as quickly as possible and shows us that you have taken steps to prevent severe dental disease for your pet.

Find out more

The Breeding Risk benefit has to be in force for a period of 12 weeks prior to mating.

Please note, we will not cover

• Any costs for veterinary treatment if your pet was pregnant at the start of this policy section, or became pregnant within the first 12 weeks of the start of this policy section.
• Anything over the maximum benefit of this section
• Any cost if your female pet is under 1 year or over 7 years
• Any cost if your female has had more than 4 pregnancies
• We will not cover any cost for the following breeds to have caesareans:
  • Bulldog
  • French Bulldog
  • Boston Terrier
  • Pekingese

Please refer to your policy Terms and Conditions for further information regarding this benefit.

Is breeding covered for horses?

There is no breeding cover or any cover for pregnancy related illness or injury.

If your pet has been referred to a specialist practice by your usual vet. You can claim up to 25p per mile to and from the specialist practice, toll road charges, standard ferry fees and accommodation if the specialist is too far away to travel to and back in one day.

The limit on the policy will be on your Policy Schedule.

Send us an email with your policy details clearly stated and include your itemised receipts for accommodation, toll charges, ferry fees and tell us how many miles you have travelled.

To claim under this section, you must have added it to your policy before you travelled.

To claim, please send us an email which includes your policy number, full name and address and pet details along with:

• Itemised receipts.
• Clinical history if you have it.
• The contact details for the treating practice.

Please see your Policy Booklet for the full details regarding this section of cover.

To claim under this section, you must have added it to your pet’s policy before you became unwell.

To claim, please send us an email which includes your policy number, full name and address and pet details along with:

• Your hospital admission and discharge note.
• The receipt showing each day your dog was in boarding kennels or looked after by a pet sitting service.

Please see your Policy Booklet for the full details regarding this section of cover.

Depending on your policy and level of cover, you can claim up to £250 in costs for trying to find your pet. This £250 includes any reward you pay the person who finds your pet.

You cannot claim if your pet goes missing within the first 10 days of your policy starting.

We do not cover the costs of any online company that offers to search for your pet for you.

Please see your Policy Booklet for the full details regarding this section of cover.

If your pet has gone missing we advise you could contact your local veterinary practice, rescue centres, local authorities and dog warden (if your pet is a dog) and tell them that your pet is missing.

To make a claim for the Death benefit we require confirmation from your vet of your pet’s death, along with the purchase receipt.

We must advise we are unable to pay your claim unless your vet certifies that your pet is dead.

Please visit our website to make your claim.

Please refer to your policy Terms and Conditions for further information regarding this benefit.

How is market value calculated for claims of death or loss of use for a horse?

We look at horses of the same age, breed, sex and ability as your horse. We also review any additional documentation that you have supplied in respect of bloodlines and competition placings prior to the injury or illness first showing clinical signs.

We are very sorry to hear of the loss of your pet. Depending on your policy and level of cover, you can claim up to £150 for the cost of cremation, burial and a house visit by a vet to put your pet to sleep.

For more information on your cover, please refer to your policy Terms and Conditions.

We are very sorry to hear of the loss of your pet. To claim for purchase price, you must have this benefit on your policy.

Please check your Schedule of insurance for the maximum age you can claim under this section.

Your vet must confirm that they have seen your pet and confirmed your pet has passed away. 

To claim please send us an email with your policy number, policyholder, and pet details along with your purchase receipt or proof of purchase.

What is preventative or routine treatment?

Vaccinations, preventative parasite control and routine neutering are some examples of routine treatment.

Preventative treatment would be treatment that your vet recommends to prevent an illness or disease for example removing a dew claw that is not injured but may lead to injury in the future. 

Why isn’t it covered?

Pet insurance is in place to provide peace of mind for unexpected illness, disease, or injury. 

For your first horse claim we require a full clinical history and horse passport (including ID pages, microchip number and all vaccination pages). If you do not have these documents to hand when you submit your claim, we will request them when we assess your claim which may delay the processing of your claim whilst we obtain them.