Is Agria Pet Insurance Worth It? Review 2025
Our Expert's Opinion on Agria
Agria holds a unique position in the UK pet insurance market with its exclusive 'Premier Pas' policy, designed specifically for purebred kittens registered with LOOF, offering a short-term, free coverage at the transition between breeder and new owner. The policy stands out for providing 85% reimbursement on eligible veterinary expenses beyond a £60 deductible and clear benefit caps—€300 for vets’ fees, €200 for life insurance, and €100 for euthanasia, cremation, or autopsy. This temporary 15-day cover ensures peace of mind during the most vulnerable early days of adoption but must be activated within five days of transfer. Pricing is positioned in a segment of its own, as this policy is free, targeting responsible breeders and new owners seeking reassurance during the first weeks, especially for high-value, purebred kittens or those imported from reputable catteries. Agria, a long-established Swedish insurer and major European specialist, shows strong financial security—its 2022 turnover surpassed €300M globally and it insures over 1.5 million pets. Trustpilot reviews for Agria UK indicate an average score around 4.5/5 from more than 1,500 users, while claims are typically settled within 5–15 working days, competitive by UK standards.
- Free cover for up to 15 days, no upfront payment
- High 85% reimbursement rate on vet fees
- Includes life insurance and euthanasia expenses for kittens
- Applies from eight weeks old, covers purebred LOOF kittens
- Immediate effect with no waiting period
- Trusted European insurer, excellent reputation and Trustpilot score
- Efficient claims process and fast reimbursements
- Strictly limited to 15 days' cover
- Only for purebred kittens registered with LOOF
- Low monetary caps on all guarantees
- No coverage for preventive or alternative treatments
- Extensive list of exclusions
- Agria guarantees
- Exclusions of Agria
- Agria rates
- Agria Support
- Customer feedback about Agria
- How to contact Agria?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and conditions and prices of 34 insurance policies on the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users in the UK trust us each month to help them make their most important financial decisions. undefined
Agria guarantees
Agria’s “Premier Pas” insurance is a free, short-term (15 days) solution primarily designed to accompany pedigree kitten (LOOF) adoptions, with no premium nor health questionnaire, operating as a transitional cover. The product stands out by providing immediate 85% reimbursement up to €300 for veterinary care after a €60 total-claim deductible, as well as lump-sum life cover up to €200 in case of death (illness or accident) and €100 for euthanasia, cremation, or autopsy, all with very rapid activation and no waiting period. Key strengths include the absence of a waiting period, surgical coverage (when medically necessary), and re-education support where prescribed, all within a strict veterinary framework. Nonetheless, significant limitations include its brief duration (15 days), very restricted reimbursement ceiling, lack of preventive care, dentistry, chronic/hereditary diseases, and no support for long-term or non-cat customers, with numerous exclusions for preventive, alternative, or non-essential treatments. This makes Agria “Premier Pas” particularly relevant as a free, initial safety net for new kitten owners, but not a replacement for a classic annual health insurance policy.
| Guarantee name | Premier Pas (LOOF kittens) |
|---|---|
| Formula positioning | Free, short-term transitional cover for LOOF kittens only |
| Type of cover | Accidents and illness only, no preventive care |
| Covered animals | Kittens registered LOOF, 8 weeks to 6 months old |
| Reimbursement rate (%) | 85% on vet care (after deductible), 100% life-loss benefits |
| Annual reimbursement limit | €300 for vet care, €200 for life, €100 for euthanasia/cremation/autopsy |
| Deductible (per claim or annual) | €60 per claim (cumulated for all vet costs per period) |
| Minimum and maximum enrolment age | - Kittens: 8 weeks min, 6 months max - Dogs: not eligible |
| Health questionnaire required? | No |
| Illness waiting period | None, immediate effect from midnight activation |
| Accident waiting period | None, immediate effect from midnight activation |
| Lifetime guarantee once enrolled? | No, stops at 6 months or after 15 days |
| Average claim processing time | Not specified, immediate coverage effect |
| Vet consultations (standard, emergency...) | Covered for eligible illness/accident by registered vet |
| Medications | Covered if prescribed by registered vet |
| Hospitalization | Covered within €300 cap if related to eligible claim |
| Ambulance costs | Not covered |
| Surgery, anaesthesia | Covered if required for accident/illness within €300 cap |
| Imaging: scans, MRI, ultrasound | Covered within €300 max, if linked to insured event |
| Laboratory tests | Covered if prescribed for insured accident/illness |
| Radiotherapy | Not covered |
| Dentistry | Not covered |
| Scale removal (détartrage) | Not covered |
| Vaccinations (compulsory or not) | Not covered, exclusion for non-vaccinated in case of vaccine-preventable disease |
| Antiparasitic, worming treatment | Not covered |
| Neutering/spaying (cat/dog distinction) | Not covered |
| Identification/microchipping costs | Not covered |
| Hygiene products | Not covered |
| Complementary/alternative medicine (osteo...) | Not covered |
| Geographical scope / travel | France only, no travel cover |
| Death cover / cremation | Up to €200 for death, €100 euthanasia/cremation/autopsy |
| Euthanasia | Up to €100, within total cap |
| Theft or loss of animal | Not covered |
| Kennel/custody costs | Not covered |
- Dogs: not eligible
All preventive, alternative, non-medically necessary, or non-prescribed treatments excluded. Chronic, hereditary, dental, behavioural, or pre-existing conditions not covered. Veterinary prescription/approval required for all covered treatments.
Exclusions of Agria
The exclusions of the Agria Premier Pas contract stand out due to their comprehensiveness and certain specific points, such as the systematic refusal to cover treatments for umbilical hernia, cryptorchidism, or deformity of the sternum, whereas other providers may be more flexible. The insurance does not cover complications related to illnesses, injuries, or treatments that are themselves excluded, nor does it cover any congenital, hereditary, or pre-existing conditions prior to enrollment, which restricts coverage for early pathologies. Also excluded are acts related to behavior, mood, or learning disorders, as well as any alternative care (osteopathy, acupuncture, laser, etc.), a domain that some competitors are starting to include. Finally, note a very restrictive point regarding major infectious diseases (Typhus, Coryza, FeLV, Rabies): only vaccination carried out and certified by a licensed veterinarian guarantees coverage, requiring documentary vigilance rarely imposed elsewhere.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Preventive and alternative treatments (acupuncture, osteopathy, homeopathy, laser, etc.) - Treatments for umbilical hernia, cryptorchidism, sternum deformity - Behavioral disorders, mood disorders, bad habits - Congenital, hereditary, or pre-existing diseases, defects, or lesions prior to effective date - Dental treatments - Antibody analyses and Borreliosis PCR - Hemodialysis, gold implants - External body prostheses (except orthotics), inhalers, insulin syringes - Complications arising from an excluded disease, injury, or treatment, except for vaccine complications |
| Administrative and additional fee exclusions | - Administrative costs, certificates, veterinary opinions - Boarding or similar fees without medical justification - Veterinary travel, transportation, other travel expenses |
| Pharmaceutical and nutritional exclusions | - Non-prescribed medications - Veterinary food, shampoos, other veterinary products prescribed or sold |
| Vaccination-related exclusions | - The following diseases if not vaccinated against by a licensed veterinarian: Typhus (parvovirosis/panleukopenia), Coryza (herpes/calici), FeLV (feline leukemia), Rabies |
| Identification or procedural condition exclusions | - Refusal of coverage if autopsy is impossible (animal frozen, buried, or not preserved as per procedure) - Procedures carried out outside mainland France (implicit due to territorial validity) |
- Treatments for umbilical hernia, cryptorchidism, sternum deformity
- Behavioral disorders, mood disorders, bad habits
- Congenital, hereditary, or pre-existing diseases, defects, or lesions prior to effective date
- Dental treatments
- Antibody analyses and Borreliosis PCR
- Hemodialysis, gold implants
- External body prostheses (except orthotics), inhalers, insulin syringes
- Complications arising from an excluded disease, injury, or treatment, except for vaccine complications
- Boarding or similar fees without medical justification
- Veterinary travel, transportation, other travel expenses
- Veterinary food, shampoos, other veterinary products prescribed or sold
- Procedures carried out outside mainland France (implicit due to territorial validity)
Agria rates
Overall, Agria positions itself around the market average with formulas offering balanced coverage/price ratios for most animal profiles, without venturing into the high-end segment. Its reimbursement ceilings are standard, and deductibles are reasonable (€60 for the basic plan), all while maintaining a competitive reimbursement rate (up to 85%) against sector benchmarks. The Premier Pas offer, dedicated to LOOF kittens, is essentially a free, temporary solution with very limited coverage in both amount and duration, mainly aimed at supporting the owner's experience at no extra cost. For its paid contracts, Agria operates as a pure digital player, optimizing operating costs to stay affordable without compromising service quality. As such, Agria stands out as a provider that's neither expensive nor low cost, offering a median and rational plan adapted to most needs without excess.
| Premier Pas (cat) | Base (cat) | Intermediate (cat) | Premium (cat) | Base (dog) | Intermediate (dog) | Premium (dog) | |
|---|---|---|---|---|---|---|---|
| Young cat (2 - 4 years) | Free (15d) | €13/month | €21/month | €36/month | - | - | - |
| Senior cat (7 - 8 years) | - | €23/month | €33/month | €51/month | - | - | - |
| Small breed dog | - | - | - | - | €18/month | €29/month | €49/month |
| Small breed dog (2 - 4 years) | - | - | - | - | €21/month | €36/month | €62/month |
| Large breed dog (2 - 4 years) | - | - | - | - | €29/month | €48/month | €84/month |
| Senior dog (7 - 8 years) | - | - | - | - | €42/month | €69/month | €114/month |
Agria promo codes
| Agria promo codes | Details |
|---|---|
| HelloSafe promo code | -5% off your quote |
Note: Promo codes are subject to change. For the latest promo codes, please visit our pet insurance comparison.
How much will I be reimbursed with Agria?
| Soin | Prix moyen (£) | Agria Premier Pas (85% reimbursed, excess £52) |
|---|---|---|
| Vet consultation | £50 | Reimbursed £0 (cost < excess) Out-of-pocket: £50 |
| Neutering/Spaying | £120 | Not reimbursed (preventive care excluded) Out-of-pocket: £120 |
| Vaccines | £55 | Not reimbursed (preventive care excluded) Out-of-pocket: £55 |
| Fracture - Routine care | £250 | Reimbursed £169 ([£250–£52]=£198 x 85% = £168.30) Out-of-pocket: £81 |
| Foreign body ingestion | £400 | Reimbursed £255 (max limit £255; contract limit £300 and excess considered) Out-of-pocket: £145 |
Out-of-pocket: £50
Out-of-pocket: £120
Out-of-pocket: £55
([£250–£52]=£198 x 85% = £168.30)
Out-of-pocket: £81
Out-of-pocket: £145
- Legend:
- Excess: £52 (approximate conversion from 60 €, rate 1 € ≈ £0.87)
- Maximum reimbursement limit for “Premier Pas”: £255 (conversion from 300 €)
- Only non-excluded procedures (accidents/illnesses) are eligible.
- Some routine procedures (neutering, vaccines) are excluded from reimbursement.
- The reimbursed amount cannot exceed the coverage limit and/or is calculated after subtracting the excess.
Agria Support
Agria Premier Pas assistance focuses on essential coverage, centering on initial veterinary needs, life insurance, and euthanasia costs, but does not provide any additional guarantees or specific support services.
There is no Payvet-type advance funding, no payment facilities, and no dedicated mobile application, which greatly limits simplified or digitized process management for the customer.
There is a total absence of emergency veterinary assistance systems (dedicated hotline, teleconsultation) and no partner network is mentioned, which could leave the insured isolated in critical situations.
Coverage is strictly limited to mainland France and to the adoption of LOOF kittens, with no support abroad or continuity after the free period.
Administrative and follow-up services are very limited: everything depends on documents sent to Agria with no advanced digital interaction for users.
| Assistance Agria | Available? | Details |
|---|---|---|
| Advance Funding | ❌ | No advance funding service offered. The owner pays first, then claims reimbursement. |
| Payment Facilities | ❌ | No payment needed, as the offer is free and temporary. |
| Mobile Application | ❌ | There is no dedicated mobile app for Premier Pas management. |
| Digitized Claims Management | ❌ | Claims are submitted by sending documents; there is no dedicated client portal or automated interface for this offer. |
| Veterinary Emergency | ❌ | No access to a 24/7 hotline or included teleconsultation service. |
| Clinic and Veterinary Network | ❌ | The offer does not include a partner clinic or veterinary network. |
| International Coverage | ❌ | Guarantee applies exclusively within mainland France. |
Customer feedback about Agria
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.6 / 5 (over 1600 reviews) |
| Google Reviews | 4.5 / 5 (about 450 reviews) |
| Opinion Assurances | 4.3 / 5 (about 200 reviews) |
We have analyzed the reviews from the above sites. Positive points frequently cited by policyholders who have insured their pets with Agria include:
- A very responsive and caring customer service: owners appreciate the friendliness and professionalism of the support team, who are considered attentive and available in the event of a problem.
- Fast and straightforward reimbursement procedures: the reimbursement times are often described as short, and the processes for submitting claims are considered simple and well explained.
- Clear contract terms: many customers highlight the transparency of the guarantees, the clarity of the contract, and the absence of unpleasant surprises when a claim arises.
- A tailored offer with adequate coverage: users find the formulas suitable for the needs of young animals, appreciate the inclusion of specific guarantees like “life insurance,” and mention good value for money.
- Quick coverage start: policyholders are satisfied with the immediate effectiveness of the insurance coverage, especially in emergency situations.
Negative points identified by customers are:
- Certain exclusion clauses are deemed too strict, with several users surprised by the long list of non-covered treatments or medications not prescribed directly by a veterinarian.
- The maximum reimbursement ceilings are judged low for major accidents or serious illnesses, leading some to regret the lack of more extensive protection.
- The fixed deductible to be paid before reimbursement is considered high for a short-term and limited-amount policy.
- Some customers report administrative delays in complex or less common claims (such as autopsies or euthanasia requiring prior approval) and regret a lack of flexibility in a few specific situations.
- The restriction to kittens registered with certain organizations (e.g., LOOF for cats) is seen as limiting by adopters of animals not meeting these criteria.
How to contact Agria?
| Agria customer service | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our animal insurance comparison tool, select the Agria offer you are interested in and request a quote. |
| To request and track a reimbursement | 1. Download the reimbursement claim form from www.agria.fr or request it at [email protected]. 2. Attach all original veterinary invoices, prescription, medical report, completed care form, and any other supporting document required by Agria. 3. Send the complete file by email to [email protected] or by mail to: Agria Assurance, 16 rue Martel, 75010 Paris. 4. Average reimbursement timeframe: within 15 working days after receipt of a complete and accepted file. Reimbursement is made by bank transfer. |
| To obtain an insurance certificate | Submit your request: - by email to [email protected] - or by phone at 01 88 32 24 00. Please specify your identity, the contract references, and the insured animal. The certificate will be sent by email (or by mail upon request). |
| To contact assistance | - Phone: 01 88 32 24 00 (Monday to Friday, hours according to the Agria website) - Email: [email protected] Please provide your contract number and your request (accident, illness, death, need for information on the procedures). In case of death/autopsy, call Agria at 01 88 32 24 00 to report the situation and find out the exact procedure. |
| To cancel your contract | Send a written cancellation request by registered mail with acknowledgement of receipt to: Agria Assurance, 16 rue Martel, 75010 Paris. Include your contact details, contract number, and reason for cancellation. Attach a copy of your ID. Notice period required: 2 months before the main renewal date (see general conditions on www.agria.fr). You can also send the request to [email protected] for rapid processing (but the registered letter is still recommended). |
2. Attach all original veterinary invoices, prescription, medical report, completed care form, and any other supporting document required by Agria.
3. Send the complete file by email to [email protected] or by mail to: Agria Assurance, 16 rue Martel, 75010 Paris.
4. Average reimbursement timeframe: within 15 working days after receipt of a complete and accepted file. Reimbursement is made by bank transfer.
- by email to [email protected]
- or by phone at 01 88 32 24 00.
Please specify your identity, the contract references, and the insured animal.
The certificate will be sent by email (or by mail upon request).
- Email: [email protected]
Please provide your contract number and your request (accident, illness, death, need for information on the procedures).
In case of death/autopsy, call Agria at 01 88 32 24 00 to report the situation and find out the exact procedure.
Agria Assurance, 16 rue Martel, 75010 Paris.
Include your contact details, contract number, and reason for cancellation. Attach a copy of your ID.
Notice period required: 2 months before the main renewal date (see general conditions on www.agria.fr).
You can also send the request to [email protected] for rapid processing (but the registered letter is still recommended).
FAQ
Do I need to pay vet bills upfront with Agria?
With Agria’s Premier Pas contract, you must pay the veterinary expenses yourself first. Agria does not offer a direct payment or third-party payment system (like Payvet); instead, after paying the vet, you submit your invoices for reimbursement according to the policy’s terms and limits.
How can I cancel my Agria pet insurance contract?
To cancel your Agria pet insurance, you should send a written request (email or mail) to Agria’s customer service. Make sure to observe any notice periods specified in your policy and provide supporting documents, such as your contract details and your ID. Contact Agria for confirmation and detailed instructions.
What animals are covered by Agria Premier Pas insurance?
Agria Premier Pas insurance exclusively covers kittens registered with the LOOF (the French Official Book of Feline Origins) at the time they are transferred from breeder to new owner. Coverage applies only to kittens between 8 weeks and 6 months old, provided they are microchipped or tattooed.
Which veterinary treatments and risks are excluded from coverage?
The contract excludes preventive or alternative treatments, behaviour issues, congenital or pre-existing conditions, and certain illnesses if vaccines are not up to date. Also excluded are dental treatments, transportation fees, and care not prescribed by a vet. Only medical acts specifically listed in the contract are eligible for reimbursement.
How much will I be reimbursed, and are there deductibles?
For covered veterinary care, reimbursement is at 85% after a €60 deductible per claim, up to a maximum payout of €300 during the contract period. Life coverage (in case of death or euthanasia) is up to €200 with no deductible, and cremation or autopsy expenses are reimbursed up to €100.
Do I need to pay vet bills upfront with Agria?
With Agria’s Premier Pas contract, you must pay the veterinary expenses yourself first. Agria does not offer a direct payment or third-party payment system (like Payvet); instead, after paying the vet, you submit your invoices for reimbursement according to the policy’s terms and limits.
How can I cancel my Agria pet insurance contract?
To cancel your Agria pet insurance, you should send a written request (email or mail) to Agria’s customer service. Make sure to observe any notice periods specified in your policy and provide supporting documents, such as your contract details and your ID. Contact Agria for confirmation and detailed instructions.
What animals are covered by Agria Premier Pas insurance?
Agria Premier Pas insurance exclusively covers kittens registered with the LOOF (the French Official Book of Feline Origins) at the time they are transferred from breeder to new owner. Coverage applies only to kittens between 8 weeks and 6 months old, provided they are microchipped or tattooed.
Which veterinary treatments and risks are excluded from coverage?
The contract excludes preventive or alternative treatments, behaviour issues, congenital or pre-existing conditions, and certain illnesses if vaccines are not up to date. Also excluded are dental treatments, transportation fees, and care not prescribed by a vet. Only medical acts specifically listed in the contract are eligible for reimbursement.
How much will I be reimbursed, and are there deductibles?
For covered veterinary care, reimbursement is at 85% after a €60 deductible per claim, up to a maximum payout of €300 during the contract period. Life coverage (in case of death or euthanasia) is up to €200 with no deductible, and cremation or autopsy expenses are reimbursed up to €100.
