Agria vs Napo
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 ChoiceNapo
Price & Cover Comparison
| Metric | Agria | Napo |
|---|---|---|
| Editor Rating | 4.7/5 | 4.0/5 |
| Dog Price From | £20.00/mo | £7.00/mo |
| Cat Price From | £12.00/mo | £5.00/mo |
| Max Vet Fee Limit | £12,500 | £10,000 |
| Excess From | £95 | £70 |
| Trustpilot Score | 4.7/5 | 4.4/5 |
| 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 | Napo |
|---|---|---|
| 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
Napo
Pros
- Excellent mobile app with health diary and vet advice
- Fast claims — most paid within 3-5 working days
- Competitive pricing from £7/month for dogs
- Covers dental, behavioural, and hereditary conditions as standard
Cons
- Very new — only launched in 2022, limited track record
- No travel/abroad cover included
- No multi-pet discount available
- No direct vet payment option
Editor's Verdict
Agria earns a higher editor rating (4.7 vs 4.0), 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, Napo starts from just £5/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.
Affiliate disclosure: Some links on this page are affiliate links. If you purchase insurance through them, we may earn a commission at no extra cost to you. This does not influence our editorial ratings or rankings.