Lifetime horse insurance

The UK’s only lifetime horse insurance

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Up to £10,000 towards vet bills every year

Cover for common conditions, like diabetes

Free vet video calls

The original equine insurance

We’ve been helping horses through illness and injury
for over 130 years. Still today, all our equine team are specialists, so you know you’re in the right hands if the unexpected happens.

As the UK’s only provider of lifetime horse insurance, our cover can support you for the rest of your horse's life.

In addition, should you sell your horse, you can easily transfer your cover as it stays with horse with lifetime cover.

Give your horse the very best care

Up to £10000 towards vet bills every year

So your horse can get the care they need.

We pay 97% of claims, within 5 working days*

And we can pay your vet directly, so you can focus on your horse.

No increase in your premiums when you claim

So you don’t have to worry about the cost of insurance when you go to the vet.

Free vet video calls

Which means help is always on hand if you’re worried.

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Get a 5% discount when you insure more than one horse with us (maximum of 3 horses) or any other pets

What’s covered

Vet fees
Up to £10,000 each year, renewed in full every year.
Complementary treatment
Up to £1,000 each year towards therapies like physiotherapy and hydrotherapy.
Free vet video calls
The Agria Vet Guide app gives you free access to expert advice from a vet.
Euthanasia
Up to £500 to cover the costs of euthanasia, if they are euthanised due to an illness or injury covered by the insurance.
MRI and CT scans
We will pay the cost of Magnetic Resonance Imaging (MRI) and Computerised Tomography (CT) scans as long as it’s approved by us before it’s carried out.
Medication
Medication that your vet orders, sells or prescribes for examining or treating your horse.

Common conditions
As long as there were no symptoms or signs before the start of the policy, your policy will cover a wide range of common conditions, including:

Dental
- Tooth fracture up to £450 per period of insurance for a tooth fracture involving the tooth root.
- Cost of root tip abscess (up to the maximum benefit).
Farriery and remedial shoes
- If the treatment is for laminitis, a coffin bone fracture, a coffin bone fissure, hoof wall separation, abscess, perforation, hoof cracks/keratoma, or traumatic hoof injuries.

Optional extras

Death or loss from theft or straying

We will pay up to the sum insured or market value (whichever is less).

Loss of use

Up to £25,000 if your horse gets ill or is injured so seriously that it needs to be put out to pasture or retired.

What's not covered

Cover for pre-existing conditions that started before your policy
Any costs for veterinary treatment for an illness or injury that has been ongoing for more than 12 months from the first clinical signs without diagnosis
The cost of routine pet care, such as vaccinations and check-ups