Is Ageas Pet Insurance Worth It? Our 2025 Review

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies on the UK market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us each month to guide them in making their most important financial decisions.

Ageas warranties

Ageas Pet Insurance offers four distinct formulas—Essentials (time-limited per condition), Classic, Extra, and Ultra (all lifetime)—with annual veterinary fee limits ranging from £1,500 to £10,000, and a fixed excess starting at £80-£90 per condition plus a 20% co-insurance for older pets. The Essential plan is budget-friendly but restricts cover to 12 months per condition, while the Ultra formula stands out for its high annual limits (£10,000), extended overseas cover (90 days), and enhanced benefits like higher compensation for death, loss, or kennelling.

All formulas protect against accident and illness, offer 24/7 vet helpline access, and deliver a solid framework for pet owners, although preventive care (vaccines, routine dental, neutering, etc.) and dental treatments (unless following an accident) are systematically excluded.

Major strengths include lifetime renewability in advanced formulas, inclusion of public liability for dogs, and broad travel coverage; the lack of comprehensive preventive packages and limited dental/alternative therapies could be a drawback for some.

Strict breed and usage exclusions, plus standard waiting periods (48h accident, 14d illness) and no coverage for pre-existing or non-vaccinated conditions, also apply.

Good to know

• Vet fee reimbursement is per policy year and resets at renewal, except Essentials (limited to 12 months per condition, then excluded).
• Pre-existing conditions, routine/preventative care, and non-accident dental procedures are always excluded.
• No upper age limit at entry; but restrictions (e.g. death by illness cover) after dog age 8/cat age 11.
• Breed restrictions and non-domestic pets excluded, no cover for commercial use or more than 2 breeding litters in the pet’s life.
• Hydrotherapy is the only alternative therapy covered (limit: 5 or 10 sessions per year depending on formula).
• Vaccines not covered but must be up to date for claims eligibility.

Compare pet insurance options to ensure you choose the best value and most suitable cover for your needs.

Exclusions of Ageas

Ageas’ pet insurance policy imposes a clear set of exclusions that go beyond standard medical limitations, with some noteworthy points for UK consumers. Conditions pre-dating the policy, illnesses arising within 14 days of cover and accidents in the first 48 hours are excluded, as well as illness in dogs over 9 and cats over 11 for death benefit, which is more restrictive compared to some competitors.

All preventative, routine, or dental care (unless accident-related), as well as elective and cosmetic treatments, are systematically excluded. High attention should be paid to strict breed/risk restrictions—most notably, all dogs listed under the UK Dangerous Dogs Act and any breeds Ageas specifically excludes have no liability or vet fee cover.

No cover is available where the animal is used for commercial/professional activities or for more than two litters in its lifetime, and cover is voided if vaccinations or owner obligations are not met.

Additionally, Ageas enforces territorial restrictions: treatment outside the UK/EEA is not covered and time abroad is strictly limited per year.

Finally, claims arising from neglect, willful misconduct, administrative euthanasia, pandemic events, and relinquishing or selling the pet are also systematically excluded.

Ageas rates

Ageas positions itself in the UK pet insurance market as a competitively priced, flexible provider offering a full spectrum of cover options from limited-time to high-limit lifetime plans.

Although their Ultra formula features above-average annual benefit ceilings and enhanced overseas cover, the bulk of policies deliver standard excess levels (£80–£90 fixed plus a 20% share on ageing pets) and typical exclusions, resulting in a solid but not top-tier comprehensiveness compared to high-premium, no-limit rivals.

Their product is marketed and serviced primarily through digital and phone channels, which enables leaner operational costs and contributes to premiums consistently at or just below the national median for the sector.

Ageas stands out for its reliable customer support and straightforward claims experience, but its price advantage diminishes in the most premium tiers where higher annual limits do not match those of the most inclusive specialist providers.

Overall, Ageas is best described as competitive, offering broad yet rationalised cover at attractive rates for owners seeking lasting value without unnecessary expense.

To secure the best value, always compare Ageas with other providers for your pet’s breed and age, as rates and coverage can vary significantly across the UK insurance market.

Ageas promo codes

Note: Promo codes are subject to change. For the latest codes, please visit our comparison of the best pet insurance.

How much will I be reimbursed with Ageas?

When you insure your pet with Ageas, you benefit from a high level of cover and generous annual limits — for example, with the Ultra formula, you can claim up to £10,000 per year for vet bills. After you pay the annual fixed excess (£80 per condition, per year), Ageas reimburses the rest of the eligible bill direct to you or your vet. For older pets (dogs 6+ or cats 8+), there's also a 20% co-payment applied to the amount remaining after the fixed excess. Here are some real-life example scenarios to help you see how costs are covered and how much you might have to pay yourself with — or without — insurance:

Example 1: Surgery following a road traffic accident (dog, under 6 years)

• Total veterinary bill: £2,100 (emergency consultation, X-rays, operation, meds, hospitalisation)
• Fixed excess to be paid: £80 (applied once per condition per year)
• Calculation of reimbursable amount: £2,100 – £80 = £2,020
• Ultra formula annual limit: £10,000 per year
• You receive a reimbursement of £2,020 from Ageas — you only pay the £80 excess and nothing more.

With no insurance, you would be responsible for the full £2,100 vet bill. With Ultra cover, your out-of-pocket cost is just the annual fixed excess. No percentage co-payment applies as your dog is under 6 years old.

Example 2: Cat over 8 years old — diagnosis and treatment of kidney disease

• Total veterinary bill: £950 (consultation, blood tests, hospital stay, medication)
• Fixed excess: £80 (once per condition per year)
• Balance after excess: £950 – £80 = £870
• Co-payment for older pets (20%): £870 × 20% = £174
• Amount covered by insurance: £870 – £174 = £696
• You receive £696 back from Ageas. Your remaining expense is £254 (£80 excess + £174 co-payment).

If your cat is 8 or older, both the fixed excess and the 20% co-payment apply to each new condition/treatment year. Without insurance, you would pay the full £950.

Example 3: Cruciate ligament surgery (dog, 4 years old) — high-cost operation fully covered

• Total vet bill: £3,700 (consultation, imaging, cruciate ligament operation, hospitalisation, specialist rehab)
• Annual fixed excess: £80
• Reimbursable amount after excess: £3,700 – £80 = £3,620
• Ultra formula covers up to £4,000 per cruciate ligament claim, and up to £10,000 per year in total
• You receive £3,620 from Ageas and only have to pay £80.

If your dog had already reached the annual limit for cruciate injuries, reimbursement would be capped at £4,000. Here, you are fully covered. For pets over 6, a 20% co-pay would also apply.

These examples show how Ageas Ultra can save you thousands of pounds each year and protect your budget from the unexpected.

Ageas Assistance

Ageas provides a robust set of assistance features including a 24/7 veterinary helpline (Vet Connection) with qualified nurses available by phone and video call, as well as a pet loss bereavement line and legal advice for pet-related issues—valuable for owners seeking real-time support and everyday guidance.

There is no advance vet bill payment service such as Payvet or Petcard, meaning clients must settle treatment costs up front and reclaim, which could be limiting for those with cash flow constraints.

Ageas does not offer a mobile app or online insured area, so claims and policy management are handled by email, post or phone; this absence of digital tools is a notable shortfall versus peers with seamless app-based claims.

Overseas cover is available for treatment in the EU, Switzerland, Ireland and Norway; stay length is capped (30–90 days/year by plan) and not suited for permanent relocations.

Emergency vet location assistance is included by phone, but there is no partnered clinic or veterinary care network, potentially reducing negotiated rates or direct settlement options in clinic.

Customer reviews on Ageas

We have analysed the reviews from the site mentioned above. Among the positive points, policyholders who have taken out pet insurance with Ageas most often mention:

• A competitive and transparent pricing policy: many customers note that the premiums and renewal prices are fair compared to competitors, and sometimes even decrease at renewal.
• An efficient customer service: the helpfulness, friendliness and responsiveness of the support teams, both by phone and online chat, are frequently highlighted.
• The simplicity of subscribing and managing policies: the clarity of information and the ease of carrying out procedures (quotes, changes, renewals) are considered to be major assets.
• Transparent communication on policy documents: renewal reminders, payment schedules and contract details are found reliable and accessible.
• Access to value-added services: policyholders appreciate features such as the 24/7 veterinary helpline for urgent care or questions.

Among the negative points:

• The lack of an online client area for pet insurance: some customers regret not being able to manage or follow their policies and claims independently online.
• Occasional administrative errors: a few reviews cite problems with the accuracy of information given by telephone or chat, particularly at renewal, or speak of occasional delays in sending documents.
• Telephone access sometimes complicated: some customers report that calls are redirected to the claims department when they wish to deal with other administrative matters.
• Perceptions of premium increases: some owners note significant premium rises at renewal, especially for older pets or after a claim, sometimes considered insufficiently justified.
• Coverage exclusions and waiting periods: exclusions for pre-existing conditions, age restrictions for death from illness, and waiting periods for new policies can create frustration for some policyholders.

How to contact Ageas?

FAQ

Charlotte Green

Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.