ManyPets is positioned for lifetime cover without age penalties; Agria is positioned for puppies and pedigree dogs. Neither is cheaper in every case — the deciding factors are your cat's breed risk, whether you want routine care included, and the payout cap. Run both quotes on the same reimbursement percentage and deductible before comparing prices.
Independent · not an insurer| ManyPets | Agria | |
|---|---|---|
| Best for | Lifetime cover without age penalties | Puppies and pedigree dogs |
| In their words | Lifetime cover up to £15,000 a year, no co-payments for older dogs on core plans. | Lifetime policies with high vet-fee limits and free 5-week puppy cover through breeders. |
| Stands out for | lifetime cover, older pets accepted | lifetime cover |
| Market | 🇬🇧 United Kingdom | 🇬🇧 United Kingdom |
Positioning is taken from each company's own public description. We do not hold either insurer's rate cards, so this page compares cover and fit, not quoted premiums.
Whichever you pick, this is the shape of a serious claim year in United Kingdom.
| Big claim | Worst-case bill | You pay at 80% | You pay at 90% |
|---|---|---|---|
| Foreign Body Surgery | £2,900 | £810 | £550 |
| Cancer Treatment | £5,800 | £1,390 | £840 |
| Dental Extractions | £695 | £370 | £330 |
Assumes a £290 annual deductible, one claim year, GBP. Every insurer prices and excludes differently — check the policy wording.
1. What can you absorb in cash? If a £2,380 bill would go on a credit card, the payout cap matters more than the monthly saving.
2. What is your breed prone to? Breed-specific conditions drive most claims. Our breed pages list the ones to expect.
3. How old is your cat today? Both insurers exclude pre-existing conditions, so the value of any policy peaks the week you bring the cat home.
Lifetime cover up to £15,000 a year, no co-payments for older dogs on core plans.
Get a quote →Lifetime policies with high vet-fee limits and free 5-week puppy cover through breeders.
Get a quote →ManyPets suits owners who want lifetime cover without age penalties. Agria suits owners who want puppies and pedigree dogs. For a high-risk breed the payout cap matters more than the monthly price.
Neither publishes a fixed price. Premiums in United Kingdom move with breed, age, postcode and the reimbursement level you pick, so the only fair comparison is two quotes taken on the same day with the same settings.
The worst urinary blockage (male cat) bill we model is £2,380. At 80% reimbursement after a £290 deductible you would still be out roughly £710.
No. Every mainstream pet insurer in every market we track excludes conditions that showed symptoms before the policy started or during the waiting period. This is the single biggest reason to insure early.
You can, but anything treated under the first policy usually becomes pre-existing under the new one. Switching is cheap for a healthy young pet and expensive for an older one.
Some insurer links are referral links, which never change your price. We are not paid to rank one insurer above another, and we do not have access to either company's internal pricing.