Agria vs Animal Friends
Which Pet Insurance Is Better?
Agria offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Agria
Editor's ChoiceAnimal Friends
Price & Cover Comparison
| Metric | Agria | Animal Friends |
|---|---|---|
| Editor Rating | 4.7/5 | 3.8/5 |
| Dog Price From | £20.00/mo | £3.00/mo |
| Cat Price From | £12.00/mo | £2.00/mo |
| Max Vet Fee Limit | £12,500 | £12,000 |
| Excess From | £95 | £69 |
| Trustpilot Score | 4.7/5 | 4.5/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Agria | Animal Friends |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Agria
Pros
- Which? Best Buy winner for three consecutive years
- Official insurance partner of The Kennel Club
- Highest Trustpilot score among major UK pet insurers (4.7)
- Direct vet payment and cover up to £12,500/year
Cons
- Most expensive option — premiums start at £20/month for dogs
- No budget or accident-only policies available
- No mobile app for claims or policy management
- Relatively small UK customer base compared to Petplan
Animal Friends
Pros
- Extremely affordable — dog cover from just £3/month
- Donates millions to animal welfare charities
- Excellent Trustpilot score of 4.5 from 38,000+ reviews
- Full range from accident-only to lifetime cover
Cons
- No dental or behavioural cover on standard plans
- No app — claims process is web-based or phone only
- Defaqto 3-star rated — cover is less comprehensive than top-tier providers
- Maximum enrolment age of 9 is lower than most competitors
Editor's Verdict
Agria earns a higher editor rating (4.7 vs 3.8), reflecting stronger overall value. Agria provides higher maximum vet fee cover (up to £12,500), which may suit owners who want comprehensive protection. On price, Animal Friends starts from just £2/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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