Agria Pet Insurance 2025: Complete Review for Irish Pet Owners
Our expert's opinion on Agria
Agria is an established insurer in Ireland focusing exclusively on pet and equine insurance, offering comprehensive cover with a single main plan for cats and dogs and a €5,000 annual vet fee limit, optional add-ons (breeding, death/theft, overseas), and tailored equine policies.
Reimbursement is subject to annual and per-benefit caps; veterinary policy includes a standard excess and a typical wellness care exclusion, placing Agria’s pricing and coverage above basic competitors yet more restrictive than the most premium brands.
Compared to providers like PetInsurance.ie and Allianz, Agria stands out with its tailored optional covers, prompt claims resolution (most processed within 14 days), and its specialist breeding add-ons, while maintaining a moderate pricing policy in line with established market offerings.
This policy especially suits purebred owners, those seeking broader illness/injury cover for younger pets, breeders, and owners requiring high annual vet limits but without interest in wellness or dental inclusions.
Agria’s parent company is internationally recognised and supports a strong Irish operation; financial strength is underscored by steady premium growth and robust claims handling, with a Trustpilot score of 4.4/5 from 932 reviews and consistently positive feedback on efficiency, supportiveness, and speedy reimbursements (typically 1–2 weeks for eligible claims).
- ✅€5,000 annual vet fee limit for dogs
- ✅Optional breeding and death/theft cover
- ✅Quick 1–2 week average claims processing
- ✅Transparent, supportive claims support
- ✅High Trustpilot score: 4.4/5 (932 reviews)
- ✅Strong international backing and stability
- ✅Comprehensive equine insurance option
- ❌No wellness or routine care budget
- ❌Strict exclusions for pre-existing conditions
- ❌No dental except post-injury and with annual exams
- ❌No paperless or digital-first claims process
- ❌No 24/7 assistance or teleconsultation
- ✅€5,000 annual vet fee limit for dogs
- ✅Optional breeding and death/theft cover
- ✅Quick 1–2 week average claims processing
- ✅Transparent, supportive claims support
- ✅High Trustpilot score: 4.4/5 (932 reviews)
- ✅Strong international backing and stability
- ✅Comprehensive equine insurance option
Our expert's opinion on Agria
ScoreAgria is an established insurer in Ireland focusing exclusively on pet and equine insurance, offering comprehensive cover with a single main plan for cats and dogs and a €5,000 annual vet fee limit, optional add-ons (breeding, death/theft, overseas), and tailored equine policies.
Reimbursement is subject to annual and per-benefit caps; veterinary policy includes a standard excess and a typical wellness care exclusion, placing Agria’s pricing and coverage above basic competitors yet more restrictive than the most premium brands.
Compared to providers like PetInsurance.ie and Allianz, Agria stands out with its tailored optional covers, prompt claims resolution (most processed within 14 days), and its specialist breeding add-ons, while maintaining a moderate pricing policy in line with established market offerings.
This policy especially suits purebred owners, those seeking broader illness/injury cover for younger pets, breeders, and owners requiring high annual vet limits but without interest in wellness or dental inclusions.
Agria’s parent company is internationally recognised and supports a strong Irish operation; financial strength is underscored by steady premium growth and robust claims handling, with a Trustpilot score of 4.4/5 from 932 reviews and consistently positive feedback on efficiency, supportiveness, and speedy reimbursements (typically 1–2 weeks for eligible claims).
- ✅€5,000 annual vet fee limit for dogs
- ✅Optional breeding and death/theft cover
- ✅Quick 1–2 week average claims processing
- ✅Transparent, supportive claims support
- ✅High Trustpilot score: 4.4/5 (932 reviews)
- ✅Strong international backing and stability
- ✅Comprehensive equine insurance option
- ❌No wellness or routine care budget
- ❌Strict exclusions for pre-existing conditions
- ❌No dental except post-injury and with annual exams
- ❌No paperless or digital-first claims process
- ❌No 24/7 assistance or teleconsultation
- ✅€5,000 annual vet fee limit for dogs
- ✅Optional breeding and death/theft cover
- ✅Quick 1–2 week average claims processing
- ✅Transparent, supportive claims support
- ✅High Trustpilot score: 4.4/5 (932 reviews)
- ✅Strong international backing and stability
- ✅Comprehensive equine insurance option
- Agria Guarantees
- Agria Exclusions
- Agria Prices
- Agria Assistance
- Customer Reviews of Agria
- Contacting Agria
- FAQ
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Agria Guarantees
Compare plans to find the right Agria pet insurance and get the best value for your needs.
Agria’s pet insurance offers flexible coverage for dogs and cats, with a strong focus on accident and illness claims and an annual vet fee cap up to €5,000, depending on your policy schedule.
Standard plans include complementary treatment, third party liability (dogs only), clinical diet, emergency care, advertising/reward on loss, and essential travel abroad benefits, but most preventive/routine care is excluded.
Optional add-ons are available for theft, death, overseas travel, boarding fees, and breeding complications, meaning owners can tailor policies but must check each restriction and schedule limit.
Key strengths include specialist benefits for hydrotherapy, behaviour, and breeding, though notable weaknesses are the lack of dental cover except after injury, exclusions for congenital conditions, and substantial stand-down and age-related restrictions.
N.C. for prices and premium calculation rules: customers must obtain a quote for final rates.
| Name of coverage | Agria Pet Insurance (IE) |
|---|---|
| Plan positioning | Flexible accident and illness cover |
| Type of coverage (accident, illness, both, etc.) | Both (accident, illness), add-ons available |
| Animals covered (dogs, cats, other) | Dogs and cats only |
| Reimbursement rate (%) | Up to 100%, max €5,000 annual for vet fees |
| Annual reimbursement limit | As defined in schedule (eg. €5,000) |
| Deductible (annual or per claim) | Per claim excess applies, see schedule |
| Age limits for enrollment (for dogs and cats) | Breed/plan based; N.C. |
| Pre-enrollment health questionnaire | Required |
| Waiting period (illness) | 14 days, can vary by breed/age |
| Waiting period (accident) | Usually immediate; check terms |
| Lifetime coverage once subscribed | ✅ if policy is continuous and premiums paid |
| Vet consultations (regular + emergency) | ✅, within schedule vet fee cap |
| Medications | ✅, included in vet fee cap |
| Hospitalization | ✅, included in vet fee cap |
| Surgery (including anesthesia) | ✅, included in vet fee cap |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅, included in vet fee cap |
| Dental care (includes scaling and procedures) | Injury only, if annual dental exam/treatment |
| Preventive care package (vaccines, antiparasitics, etc.) | ❌ not covered except via limited add-ons |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ up to schedule cap per event/illness |
| Travel coverage (countries included, duration) | Optional, EU/UK/NO/CH, up to 90 days/yr |
| Civil liability | Dogs only, €350 excess, strict exclusions |
| Euthanasia | Up to €100 per event, strict terms |
| Death & cremation coverage | Optional, up to purchase price/market value |
| Theft or loss of pet + search expenses | Optional, up to purchase price/market value |
| Boarding fees (if owner is hospitalized) | Optional, €5/day or kennel cost, limits apply |
Important Policy Information
Burst claims from chronic or repeating conditions may lead to sublimits or denial—check ongoing medical exclusions and sublimits in your policy schedule.
Advertising and reward for lost pets require Agria’s prior approval.
Travel cover only valid in listed European countries for 90 days/year maximum.
Boarding/cattery fees require proof of owner hospitalisation four days or more.
Agria Exclusions
Agria’s exclusions align with industry standards, but are very detailed in terms of pre-existing conditions, age, and breed-based limits.
Routine and preventive care, including vaccinations and spaying/neutering, are broadly excluded even under core health segments, unlike some competitors.
Dental care is not covered unless linked to accidental injury and if annual dental checks are strictly maintained.
Geographic exclusions apply both to events outside specified territorial limits and for restricted use cases, such as hunting or security work.
Stray/theft coverage comes with strict requirements for microchipping, pet security, and timely loss notifications, making successful claims highly conditional.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing illnesses or injuries - Waiting period (14+ days for illness) - Bilateral/repeat conditions - Specific congenital/hereditary disorders not covered |
| Preventive/routine care | - Vaccinations - Routine check-ups - Spaying/neutering - Routine dental (unless injury + up-to-date dental visits) - Diet, grooming, tick/flea/worm treatments |
| Age & breed restrictions | - Age at policy start limits (not stated) - Breed exclusions (including for breeding/pregnancy) - No cover for pets under 8 weeks or special equine age rules |
| Territorial/geographic | - Claims outside Republic of Ireland (unless stated in optional travel add-on) - No cover for pets used in hunting/racing/guard/protection |
| Claim/document requirements | - Delayed or incomplete claim submissions - Lack of prescribed documentation/certification - Non-adherence to vet recommendations or required treatments |
| Behaviour/usage exclusions | - Vicious/aggressive behaviour (unless directly caused by covered incident) - Neglect or leaving pet unattended in vehicles/unsecured premises - Non-veterinary acts |
| Breeding & reproduction | - Pregnancy/breeding excluded unless add-on purchased - Strict limits on age, number of pregnancies, breed; no complications within 12 weeks of add-on, reporting lapses |
| Third party liability | - Incidents within family household/employees - Incidents already covered by another policy |
| Straying/theft | - Must be microchipped - Loss to be reported promptly and with proof - Claims not accepted if security recommendations not followed |
- Waiting period (14+ days for illness)
- Bilateral/repeat conditions
- Specific congenital/hereditary disorders not covered
- Routine check-ups
- Spaying/neutering
- Routine dental (unless injury + up-to-date dental visits)
- Diet, grooming, tick/flea/worm treatments
- Breed exclusions (including for breeding/pregnancy)
- No cover for pets under 8 weeks or special equine age rules
- No cover for pets used in hunting/racing/guard/protection
- Lack of prescribed documentation/certification
- Non-adherence to vet recommendations or required treatments
- Neglect or leaving pet unattended in vehicles/unsecured premises
- Non-veterinary acts
- Strict limits on age, number of pregnancies, breed; no complications within 12 weeks of add-on, reporting lapses
- Incidents already covered by another policy
- Loss to be reported promptly and with proof
- Claims not accepted if security recommendations not followed
Agria Prices
Agria occupies a mid-range position in the Irish pet insurance market, offering comprehensive benefits such as high annual veterinary fee limits and access to optional add-ons for those seeking broader coverage.
Premiums are generally above entry-level providers due to extensive surgical, emergency, and behavioural benefits, but remain lower than the most premium brands with unlimited caps.
Deductibles and exclusions follow traditional patterns, but strict documentation and breed rules apply.
As a digitally focused provider, Agria offers efficient policy management online, contributing to slightly better affordability compared to legacy insurers.
Overall, Agria is well suited for pet owners seeking strong value for money with reasonable premiums, broad cover, and accessible digital services.
If you want to make sure you find the right cover at the best price, compare offers before you take out your policy.
| Core Cover Cat | Core Cover Dog | |
|---|---|---|
| Young cat (2–4 years) | €18/month | N.C. |
| Senior cat (7–8 years) | €28/month | N.C. |
| Small breed dog (2–4 years) | N.C. | €22/month |
| Large breed dog (2–4 years) | N.C. | €28/month |
| Senior dog (7–8 years) | N.C. | €38/month |
Agria Promo Codes
| Agria Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Agria Reimbursement Details
Agria reimburses you for eligible veterinary costs by first subtracting your annual deductible and then applying the reimbursement rate, up to the annual coverage limit—see these examples based on their highest-tier plan.
Fracture Repair Surgery Cost Breakdown
Total vet costs: €2,400
Annual deductible to subtract: €100 (first claim of the year)
Amount eligible for cover: €2,400 – €100 = €2,300
Reimbursement rate: 80% of €2,300 = €1,840
👉 You receive a reimbursement of €1,840.
ℹ️ The deductible is only applied to your first claim each year. Any amount above the annual coverage limit is not reimbursed.
Gastroenteritis Hospitalisation Claim Reimbursement
Total vet costs: €800
Deductible already met earlier this policy year
Reimbursement at 80%: €800 × 80% = €640
👉 You receive €640 from Agria.
ℹ️ You only pay the 20% co-pay when your annual deductible has already been met. The rest is covered up to the yearly maximum.
Annual vaccinations and microchip implantation Reimbursement
Total veterinary cost: €110 (annual vaccines + microchip)
Annual deductible to subtract: €100 (if it’s the first claim of the year, for all covered expenses)
Eligible amount for reimbursement: €110 – €100 = €10
80% reimbursement: €10 × 80% = €8
👉 You receive €8 for eligible preventive care.
ℹ️ Preventive care is only covered with the wellness option. Annual maximum limits may apply to these services.
Agria Assistance
Agria does not offer advance payment for veterinary bills, so policyholders must pay up front and seek reimbursement.
There is no mobile app or online portal for paperless claim submission; claims are mainly handled by downloadable forms and email.
The insurer does not provide a 24/7 emergency vet hotline, teleconsultation, or any dedicated partner network of clinics.
Coverage abroad is only possible as an optional add-on, typically limited to trips within the EU, UK, Norway, or Switzerland, and up to 90 days.
While Agria provides basic administrative support by phone and email, the absence of digital tools and emergency services may be a concern for some pet owners.
| Assistance Agria | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service. Policyholders pay vets directly and claim back costs from Agria. |
| Payment facilities | ❌ | No information on installment or deferred payment options. N.C. |
| Mobile app | ❌ | No mobile app available. No digital interface for policy management or claims. |
| Paperless claims process | ❌ | No online portal; claims by downloaded PDF and email. No fast-track or digital upload features. |
| Emergency vet service | ❌ | No 24/7 emergency hotline or teleconsultation service available. |
| Vet/clinic partner network | ❌ | No network of preferred or affiliated veterinary clinics. Open policy on provider choice. |
| Coverage abroad | ✅ | Optional add-on. Covers pets for up to 90 days/year in EU, UK, Norway, Switzerland. See schedule for terms. |
Customer Reviews of Agria
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4 out of 5 (932 reviews) |
We analysed reviews from the sites listed above. On the positive side, customers often mention:
- ✅ An efficient and prompt claims process, with many describing claim handling as quick and clear.
- ✅ Helpful and supportive staff, frequently praised for their professionalism and empathy during stressful times.
- ✅ Transparent communications and regular updates, which support confidence in coverage and claims status.
On the negative side:
- ❌ Some claims are denied due to interpretations of pre-existing condition exclusions, frustrating policyholders.
- ❌ Complaints about certain exclusions, annual limits, and mandatory excesses that restrict payouts.
- ❌ Formulaic or standard responses to negative reviews or complaints, leading some to feel unacknowledged.
Contacting Agria
| Agria Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Download the claim form from www.agriapetinsure.ie or request by email at [email protected]. Send your completed form and all relevant invoices to [email protected] or by post to PO Box 911, Little Island, Cork, T45 YR96. Phone: 021 202 9119. Claims are typically processed within a few working days after receipt of complete documentation. Reimbursement is made to your nominated bank account. |
| To obtain a certificate of insurance | Contact Agria by email at [email protected]. Phone: 021 202 9119. You can also request certificates by post at PO Box 911, Little Island, Cork, T45 YR96. Provide your policy number and specify the document required. |
| To contact assistance | For any assistance during your cover, contact the customer care team by phone at 021 202 9119 or by email at [email protected]. Postal address: PO Box 911, Little Island, Cork, T45 YR96, Ireland. Support is available during business hours. |
| To cancel my policy | Notify Agria of your intent to cancel by email ([email protected]), phone (021 202 9119), or post (PO Box 911, Little Island, Cork, T45 YR96). Include your policy number and written request. A notice period may apply. Return the certificate of insurance if requested. Contact customer service for confirmation of final steps or possible refund. |
Send your completed form and all relevant invoices to [email protected] or by post to PO Box 911, Little Island, Cork, T45 YR96.
Phone: 021 202 9119.
Claims are typically processed within a few working days after receipt of complete documentation.
Reimbursement is made to your nominated bank account.
Phone: 021 202 9119.
You can also request certificates by post at PO Box 911, Little Island, Cork, T45 YR96.
Provide your policy number and specify the document required.
Postal address: PO Box 911, Little Island, Cork, T45 YR96, Ireland.
Support is available during business hours.
Include your policy number and written request.
A notice period may apply.
Return the certificate of insurance if requested.
Contact customer service for confirmation of final steps or possible refund.
FAQ
Do I have to pay upfront for veterinary fees with Agria?
Yes, you must pay veterinary fees upfront when your pet receives treatment, as Agria does not offer an advance payment system to vets in Ireland. After settling the bill directly, you can then submit a claim to Agria for reimbursement of the eligible costs covered by your policy.
How do I cancel my pet insurance policy with Agria?
To cancel your Agria pet insurance policy, you should notify their customer service by phone, email, or post. Provide your policy number, written request, and allow for any applicable notice period as outlined in your terms. You may also be asked to return your insurance certificate if required.
What expenses are covered by Agria’s standard pet insurance policy?
Agria’s standard policy covers veterinary fees resulting from illness or accident (according to your chosen annual cap), certain complementary treatments, behavioral therapy, clinical diets for specific conditions, and, for dogs, third party liability. Optional add-ons are available for theft, straying, death, boarding fees, travel, breeding, and more. Always check your schedule for benefit limits and exclusions.
How do I claim a reimbursement from Agria and how long does it take?
You should complete a claim form, attach all original invoices and supporting documents, and send them by email or post to the claims address provided by Agria. Claims are generally processed within a few working days of receipt if all information is complete. Reimbursement is usually paid directly to your nominated bank account.
Are there any major exclusions or limits with Agria pet insurance?
Yes, Agria’s policy excludes pre-existing conditions, routine and preventive care (vaccinations, flea/tick treatments, spaying/neutering, dental cleaning), and illness/injury occurring within the initial waiting period. Certain breed-based or age-related restrictions apply, and caps and excesses are outlined in your schedule. Always review the exclusions in your policy for full details.
Do I have to pay upfront for veterinary fees with Agria?
Yes, you must pay veterinary fees upfront when your pet receives treatment, as Agria does not offer an advance payment system to vets in Ireland. After settling the bill directly, you can then submit a claim to Agria for reimbursement of the eligible costs covered by your policy.
How do I cancel my pet insurance policy with Agria?
To cancel your Agria pet insurance policy, you should notify their customer service by phone, email, or post. Provide your policy number, written request, and allow for any applicable notice period as outlined in your terms. You may also be asked to return your insurance certificate if required.
What expenses are covered by Agria’s standard pet insurance policy?
Agria’s standard policy covers veterinary fees resulting from illness or accident (according to your chosen annual cap), certain complementary treatments, behavioral therapy, clinical diets for specific conditions, and, for dogs, third party liability. Optional add-ons are available for theft, straying, death, boarding fees, travel, breeding, and more. Always check your schedule for benefit limits and exclusions.
How do I claim a reimbursement from Agria and how long does it take?
You should complete a claim form, attach all original invoices and supporting documents, and send them by email or post to the claims address provided by Agria. Claims are generally processed within a few working days of receipt if all information is complete. Reimbursement is usually paid directly to your nominated bank account.
Are there any major exclusions or limits with Agria pet insurance?
Yes, Agria’s policy excludes pre-existing conditions, routine and preventive care (vaccinations, flea/tick treatments, spaying/neutering, dental cleaning), and illness/injury occurring within the initial waiting period. Certain breed-based or age-related restrictions apply, and caps and excesses are outlined in your schedule. Always review the exclusions in your policy for full details.
