Agria vs Petplan
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 ChoicePetplan
Editor's ChoicePrice & Cover Comparison
| Metric | Agria | Petplan |
|---|---|---|
| Editor Rating | 4.7/5 | 4.5/5 |
| Dog Price From | £20.00/mo | £12.00/mo |
| Cat Price From | £12.00/mo | £8.00/mo |
| Max Vet Fee Limit | £12,500 | £12,000 |
| Excess From | £95 | £60 |
| Trustpilot Score | 4.7/5 | 4.0/5 |
| 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 | Petplan |
|---|---|---|
| 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
Petplan
Pros
- UK's most established pet insurer with 45+ years experience
- Defaqto 5-star rated — comprehensive lifetime cover up to £12,000/year
- Direct vet payment available — no large upfront costs
- No upper age limit for policy renewals
Cons
- Premium pricing — more expensive than budget alternatives
- Excess includes a percentage co-payment for older pets
- Online portal can feel dated compared to newer insurtech competitors
Editor's Verdict
Agria earns a higher editor rating (4.7 vs 4.5), 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, Petplan starts from just £8/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.