What is equine lifetime cover — and how is it so different?

Agria’s lifetime equine insurance exploded onto the scene in Britain three years ago, and we hope it’s now a name you’re familiar with. Founded in 1890, Agria is a Swedish-owned insurance firm with more than 130 years of experience, insuring hundreds of thousands of pets and horses across Europe.

Agria is proud to work with top names including Rosalind Canter, Gareth Hughes, Joe Stockdale, Natasha Baker, Kirsty Chabert, and Mark Edwards — all of whom have become committed Agria supporters after looking closely at our cover and commitment to the wider horse world.

Equine welfare and excellence are at the heart of everything we do, which is why we are the principal partner of the BEF’s World Class Programme and a lead centenary corporate partner of World Horse Welfare, amongst other initiatives.

We want to help all horses and riders live their happiest, healthiest lives — whether you’re a European Champion or a leisure rider. Agria is also proud title sponsor of the Agria Royal International Horse Show at Hickstead and the Agria Blenheim International Horse Trials, which this year hosts the Agria FEI European Eventing Championships.

But people often ask why Agria’s cover is different — and what ‘lifetime’ cover actually means.

Here are some key points:

• Lifetime cover doesn’t mean you must insure your horse for its whole life — you can keep it for as long as you wish, paying premiums annually or monthly. Once in place — excluding any conditions that pre-date your policy — your horse will be covered for veterinary issues for the rest of their life, if you choose. Even recurring problems like colic or arthritis are covered year after year, and there’s no reduction in cover as your horse ages. No other UK insurer offers this peace of mind*.

  
  

• You can insure for up to £10,000 towards veterinary cover each year.

  
  

• If you sell your horse, lifetime cover can be transferred to the new owner with full continuity, with no vet check required.

  
  

• Lifetime cover remains affordable because you can choose from three excess levels (one excess per year, not per claim). Agria’s lifetime equine policies also have 25% co-insurance — meaning Agria pays 75% of each claim — helping keep premiums manageable – while being there for you year after year.

  
  

• You can insure any horse or pony from 30 days of age, whether you own or loan them, with discounts for insuring more than one animal.

  
  

• No vetting is needed to switch to, or take out, Agria lifetime equine insurance — but your horse’s veterinary history will be reviewed if you make a claim.

  
  

• As long as your claim isn’t for a pre-existing condition, cover includes dental and complementary treatments, and will contribute towards the cost of euthanasia if necessary.

  
  

• We’re an award-winning insurer with a customer service team that understands horses and is always ready to help.

  
  

• Customers can book free online video consultations with a vet via the Agria Vet App if they’re unsure whether a call-out is necessary.

  
  

• Agria is the UK’s only carbon-positive pet insurer.

For these and many other reasons to choose Agria, visit our website for more information or for a quote.

Find out more at www.agriapet.co.uk

Terms, conditions and excesses apply. *With our Equine Lifetime Plus policy. Vet fees reinstated each year provided you renew your policy each year without a break in cover. Agria Pet Insurance Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. Our insurance policies are underwritten by Agria Försäkring who is authorised and regulated by the Prudential Regulatory Authority and Financial Conduct Authority.