The UK’s only lifetime horse insurance

Horse Insurance

Name: Agria Lifetime Horse Insurance
Brand: Agria Pet Insurance
Author: Agria Pet Insurance

Complete cover for peace of mind

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Up to £10,000 towards vet bills every year

Cover for common conditions, like laminitis

Free vet video calls

White horse in a stable - Agria Pet Insurance

The original equine insurance

We’ve been helping horses through illness and injury for over 130 years. Still today, all our equine team are specialists, so you know you’re in the right hands if the unexpected happens.

Agria is the only provider in the UK offering lifetime equine insurance; our cover can support you for the rest of your horse's life.

Our lifelong policies, with up to £10,000 vet fees cover every year, provide insurance that can keep pace with advances in veterinary diagnostics and treatments, ensuring the very best care for horses and peace of mind for their owners.

In addition, should you sell your horse, you can easily transfer your cover to the new owner. Our lifetime equine insurance can stay with your horse for their lifetime.

Give your horse the very best care

Up to £10,000 towards vet bills every year

So your horse can get the care they need.

We pay 98% of claims*

And we can pay your vet directly, so you can focus on your horse.

No increase in your premiums when you claim

So you don’t have to worry about the cost of insurance when you go to the vet.

Insuring horses since 1890

Agria has been insuring horses since 1890; the first company in the world to do so. †

5% multi horse discount

When you insure two or three horses with us, you will save with our 5% multi-horse discount. ††

Free vet video calls

Which means help is always on hand if you’re worried.

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Get a 5% discount when you insure more than one horse with us (maximum of 3 horses) or any other pets.

* Based on all Agria Pet Insurance claims received between May 2023 and October 2023.
† Agria has been insuring horses in Sweden since 1890; the first company in the world to do so.
†† There is a maximum of 3 horses per equine multi-pet policy.

What’s covered

Vet fees
Up to £10,000 each year, renewed in full every year.
Complementary treatment
Up to £1,000 each year towards therapies like physiotherapy and hydrotherapy.
Free vet video calls
The Agria app gives you free access to expert advice from a vet.
Euthanasia
Up to £500 to cover the costs of euthanasia, if they are euthanised due to an illness or injury covered by the insurance.
MRI and CT scans
We will pay the cost of Magnetic Resonance Imaging (MRI) and Computerised Tomography (CT) scans as long as it’s approved by us before it’s carried out.
Medication
Medication that your vet orders, sells or prescribes for examining or treating your horse.

Common conditions
As long as there were no symptoms or signs before the start of the policy, your policy will cover a wide range of common conditions, including:

Dental
- Tooth fracture up to £450 per period of insurance for a tooth fracture involving the tooth root.
- Cost of root tip abscess (up to the maximum benefit).
Farriery and remedial shoes
- If the treatment is for laminitis, a coffin bone fracture, a coffin bone fissure, hoof wall separation, abscess, perforation, hoof cracks/keratoma, or traumatic hoof injuries.

Brown horse with two vets - Agria Pet Insurance

For a summary of what is covered, you can read the Insurance Product Information Document for the Equine Lifetime Lite, Equine Lifetime and Equine Lifetime Plus.

Please also read our Important Updates document to view important policy changes.

Optional extras

Death or loss from theft or straying

We will pay up to the sum insured or market value (whichever is less). Death cover can be added on its own without the loss of use cover, and you can add the Death cover as long as your horse is under 20 years old at the start of the policy.

Loss of use

Up to £25,000 if your horse gets ill or is injured so seriously  that it needs to be put out to pasture or retired. Loss of Use can be added to a new policy as long as your horse is under 17 years old at the start of the policy.

What's not covered

Cover for pre-existing conditions that started before your policy
Conditions that began or showed symptoms before your policy started are considered pre-existing. Conditions that arise after your policy exclusion period ends are covered as long as the policy remains active.
Any costs for veterinary treatment for an illness or injury that has been ongoing for more than 12 months from the first clinical signs without diagnosis
The cost of routine care, such as vaccinations and check-ups

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 contact us.

Trusted by horse owners

That’s why 96% of our customers would recommend us and 90% renew every year.

Verified
I’ve used Agria for both of my horses…
I’ve used Agria for both of my horses and they are easy to contact and deal with and have paid out for all 3 of my claims made within a week, and they work directly with the vets so there no back and forth, very happy to use them going forward
Customer
01 October
Verified
As a fairly new customer my experience…
As a fairly new customer my experience with Agria pet insurance (horse and dog) has been positive. The customer service agents have been helpful and informative, I had occasion to submit a claim.. this was dealt with in a timely way with no chasing up needed from me.
Ms Kelly
01 July
Verified
Really excellent horse insurance
Really excellent horse insurance! This was my first ever claim and there were no quibbles. They did want a lot of documentation but I didn’t see a problem in that. Once I had provided it they paid my claim quickly!
Katie
14 June

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Horse insurance explained

Insurance can be confusing – we want to help. Here are some explanations of important areas of insurance you need to know about.

Fixed excess

This is the amount that you must pay towards veterinary treatment and complementary treatment received during each period of insurance. The fixed amount is applied once per period of insurance for the veterinary treatment your horse receives. You may only increase your excess at time of renewal.

Co-insurance

This is the percentage that you must pay towards the cost of veterinary treatment and complementary treatment received during each period of insurance and is applied per claim. The percentage amount is calculated on the amount left after the fixed excess is deducted. The co-insurance percentage cannot be changed.

The requirements for a vetting certificate depend on the value of the horse and whether you wish to take out additional cover for loss of use and death. We will let you know whether this is required when taking out a policy with us.

Our equine claims team conduct a review of the requested documentation. Additional exclusions may then be placed on your policy depending on the findings.

If additional exclusions are placed on the policy, you will be informed and an additional 14-day cooling-off period will be added.

View our table to see the vetting certificate requirements visually explained.

The cost of horse insurance can vary based on the horse's age, breed, location, activity group, and the type of policy you choose. Lifetime horse insurance is often considered the best option as it provides cover for ongoing and chronic conditions throughout your horse's life. Note that we do not cover conditions that started before your policy, or within your first 14 days of cover.

Although the cost of lifetime insurance may be slightly higher, the peace of mind of knowing your horse is covered for life can outweigh the increased cost. The average price Agria customers paid for horse insurance was £43.17 per month. This is based on all new Agria Horse Insurance policies sold in Q1 of 2024 at all Lifetime cover levels. This includes Insurance Premium Tax and excludes policies sold where a discount or special offer was available.

A horse and rider walking together into a field

“Our dogs are insured with Agria and we’ve always been so pleased with the level of service. When Agria launched its equine insurance, we immediately insured our two horses so they, too, could be in Agria’s safe hands and enjoy the same level of care our dogs have experienced.”

Ian

Equine policyholder