Agria Insurance

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Molly22

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I'm with NFU at the moment but it is becoming more expensive and the excess is now £250 despite not having any claims. I was thinking of trying Agria and putting the difference of the amount into a savings account each month. I like the idea of having life time insurance. I realise it is an excess paid once a year and them 25% co insurance. It is a bit of a gamble. Does anyone use them? Good or bad reviews. Thanks
 
I'm with Agria, they paid out promptly when I claimed last year. I also liked the lifetime cover. However, I am still undecided in terms of value. The premiums are less but my excess is £400 so by the time I had paid the 25% I paid out just under 1K, and then you are paying the premium as well.

You do only pay the excess once a year so if you have more than one claim it would work out better. I still renewed as if you had something major it would be beneficial. However, if you think about how much the premiums add up to over 15 years I do sometimes think about self insuring.
 
Agria have been very good to me. My boy fractured sidebone six months after I got him and following that had a mystery lameness issue which we have yet to get to the bottom of. They have paid our thousands in imaging and treatment costs without a quibble and didn't even raise my premium.
 
jkitten said:
Agria have been very good to me. My boy fractured sidebone six months after I got him and following that had a mystery lameness issue which we have yet to get to the bottom of. They have paid our thousands in imaging and treatment costs without a quibble and didn't even raise my premium.
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That’s really good to know. I’m glad they paid out.
 
I had my Gundogs with them and they were always excellent. I only stopped when I had so many it was cheaper to self insure. 🤞
 
Last time I got a quote they wanted a vetting but that was for lifetime policy. Or I did something wrong with the form’!
 
TheBigPony said:
I'm with Agria, they paid out promptly when I claimed last year. I also liked the lifetime cover. However, I am still undecided in terms of value. The premiums are less but my excess is £400 so by the time I had paid the 25% I paid out just under 1K, and then you are paying the premium as well.

You do only pay the excess once a year so if you have more than one claim it would work out better. I still renewed as if you had something major it would be beneficial. However, if you think about how much the premiums add up to over 15 years I do sometimes think about self insuring.
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It does seem more but at least they will cover a lot of a big bill it seems. The premium is for me is around £60 cheaper a month than what i am paying now. It is a gamble what ever you do.
 
Just to note someone I know has just been told by agria they will only deal with 1 claim at a time.
So just bare that in mind/ question them if taking out a policy
 
HorsesRule2009 said:
Just to note someone I know has just been told by agria they will only deal with 1 claim at a time.
So just bare that in mind/ question them if taking out a policy
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How does that work, do you know?

You can have two claims running but they will process one before the other? Or they will refuse to cover a second illness or injury at all which occurred while the first claim is in progress?
 
Tiddlypom said:
How does that work, do you know?

You can have two claims running but they will process one before the other? Or they will refuse to cover a second illness or injury at all which occurred while the first claim is in progress?
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I'm unsure of the details as it wasn't myself.
I know other companies cover claims/pay out simultaneously.
Don't know if agria are different because it's lifetime and one excess for the year.

Just thought it worth mentioning so anyone thinking of using them can question this as I know some horses have multiple claims at the same time
 
NFU have always been very good in my experience and always pay direct to the vet which is not common nowadays! I know the excess is £250 but I can’t fault them personally x
 
Bobthecob15 said:
NFU have always been very good in my experience and always pay direct to the vet which is not common nowadays! I know the excess is £250 but I can’t fault them personally x
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NFU are good. I changed from them with one of my other horses as she had a claim on her right fore 9 yrs ago. They didn’t make it obvious that her left was was excluded as well. It wasn’t until i went to claim for her left fore last year they said it was excluded as i had claimed for her right fore 9 yrs previous. It was in any of the paper work that they sent me so i complained. Apparently 8 yrs before they sent me the policy book which states on there that if you make a claim on one leg the other one was excluded. Strangely enough they sent me a policy book for my one that i kept insured with them this year on renewed.
 
I am with Agria and whilst the excess is high, I only pay £24 a month for £3k a year cover so all things considered the monthly amount is really neither here nor there - whilst it wouldn't touch the sides of a bigger claim, it has been a huge help toward the surgery mine has just had which is currently at £3600. I do have access to high limit credit cards and have some savings that I could use should something bigger happen. I am also thrilled that even though he's now had stifle surgery, it means they won't exclude the stifle moving forward, so if/when it needs injecting or if it needs any further review, they will pay out.

Don't know how they are at settling yet, but they have a portal with the vets which they have said is very user friendly and they were very prompt at pre-authing the claim, plus they're easy to get through to on the phone.
 
I’m with them and they’ve been helpful and prompt with payments. I had a couple of minor issues when I had multiple claims (for the same issue) going on at the same time with invoices being attached to the wrong claim but was sorted quickly and efficiently with a phone call. They’ve paid for several thousand pounds worth of treatment over the last 12mo. I still had to pay about £1500, but without insurance that would have been a lot more!

Yes, I pay more of the bill, and vet fee cover is per year not per condition, but I’m also saving £100 a month on premiums. Plus since I work in veterinary, I’m only likely to be claiming for big bills and not small things. I did weigh up all my options and decided it was worth it. He’s not insured for LOU with them, but it’s notoriously hard to prove to the point they’ll pay out anyway. I know they now do loss of horse if you want it, but weren’t when I took out my policy so he’s insured for that separately.

Just be aware that the excess is per policy year, so if your claim goes over your renewal date you’ll have to pay the excess again! (I don’t know how flexible this is if you open a claim just before renewal etc.)
 
iknowmyvalue said:
I’m with them and they’ve been helpful and prompt with payments. I had a couple of minor issues when I had multiple claims (for the same issue) going on at the same time with invoices being attached to the wrong claim but was sorted quickly and efficiently with a phone call. They’ve paid for several thousand pounds worth of treatment over the last 12mo. I still had to pay about £1500, but without insurance that would have been a lot more!

Yes, I pay more of the bill, and vet fee cover is per year not per condition, but I’m also saving £100 a month on premiums. Plus since I work in veterinary, I’m only likely to be claiming for big bills and not small things. I did weigh up all my options and decided it was worth it. He’s not insured for LOU with them, but it’s notoriously hard to prove to the point they’ll pay out anyway. I know they now do loss of horse if you want it, but weren’t when I took out my policy so he’s insured for that separately.

Just be aware that the excess is per policy year, so if your claim goes over your renewal date you’ll have to pay the excess again! (I don’t know how flexible this is if you open a claim just before renewal etc.)
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Thank you for the information. As you say the premiums are a lot cheaper so if you don't claim you are not paying out as much each month. I was planning to save the difference just in case I need it. I wasn't looking for loss of use, it makes the premiums too high and the chance of using it will be minimal.
 
AShetlandBitMeOnce said:
I am with Agria and whilst the excess is high, I only pay £24 a month for £3k a year cover so all things considered the monthly amount is really neither here nor there - whilst it wouldn't touch the sides of a bigger claim, it has been a huge help toward the surgery mine has just had which is currently at £3600. I do have access to high limit credit cards and have some savings that I could use should something bigger happen. I am also thrilled that even though he's now had stifle surgery, it means they won't exclude the stifle moving forward, so if/when it needs injecting or if it needs any further review, they will pay out.

Don't know how they are at settling yet, but they have a portal with the vets which they have said is very user friendly and they were very prompt at pre-authing the claim, plus they're easy to get through to on the phone.
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This is what I am thinking, no exclusions in the future.
 
Molly22 said:
Thanks for that. I shall add it to the list of questions that i have for them.
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HorsesRule2009 said:
Just to note someone I know has just been told by agria they will only deal with 1 claim at a time.
So just bare that in mind/ question them if taking out a policy
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I have spoken to Agria and you can have more than one claim for different aliments at the same time.
 
Hormonal Filly said:
What annual limit did you go for? They have £3,000, £6,000 or £10,000 and can't decide which is best.
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I have £3k
His surgery ran to about £4k in the end, including all visits to remove stitches, lameness checks etc so it's not always as bad as you think it will be.
I think when it adds up quick is when you do extensive investigations. £6k definitely would be safer than £3k but I chose to hedge my bets, and have access to £25k worth of credit card unused limit should I need it in a pinch
 
We have multiple horses with Agria and others we choose to 'self insure'. If using Agria, it is best to insure a horse before they have too many exclusions. Agria have always been excellent to deal with and we can get issues checked early but not feel pressured to jump to the most drastic treatment because exclusions will be applied at the next renewal.
 
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