Lifetime Pet Insurance

Dog Friendly chose the Agria policy specifically with members in mind, congenital and hereditary problems are included as long as they hadn’t been diagnosed or weren’t showing signs before the policy started.

Most policies in the market don’t cover breeding risks at all. We have an optional benefit that can be added when you decide whether you will breed from a bitch. It covers gestation, whelping, puppies’ vet fees pre-sale and even includes Caesarean sections for the vast majority of breeds.

As with most things, you get what you pay for and the cheaper the policy the less it’s likely to cover. Your policy offers lifetime vet’s fees cover ensuring that chronic, on-going conditions can be covered for the life of your dog.

Many policies in the market will only pay for an illness for 12 months from when it starts or is diagnosed, after which the condition is excluded and further claims will not be paid. Even if you change to a different policy that condition will be treated as pre-existing on the new policy and excluded. The policy offers on-going cover for on-going conditions - as long as the policy is renewed each year and premiums are kept up to date.

Your policy will include vets’ fees cover, help to find a lost dog, essential third party liability cover and travel and expenses if your vet refers your dog to a specialist. All the other benefits such as death or loss cover, breeding risks, boarding fees, holiday cancellation and overseas travel are optional, allowing you to choose the protection you need without paying for cover you don’t want.

Some policies in the market charge more if you are unlucky and your dog is ill or injured. We do not penalise members who need to make claims – however large those claims may be.

Out of preference and with agreement from your vet we will pay the practice directly by bank transfer. Alternatively, if you prefer, we can pay you.

The cost of drugs purchased over the internet can be claimed provided your vet has prescribed the drug to treat your dog.