Comparing your pet insurance options: Waggel and Agria.

Originally from Sweden, Agria Pet Insurance entered the UK market in 2009 and is the underwriter behind The Kennel Club. They provide Lifetime policies only, with cover limits ranging from £3,000 to £15,000. New policyholders are subject to a mandatory 10% co-payment, but can choose between two excess options.

When comparing policies, you’ll see that Waggel’s mission is all about taking the stress out of your pet’s medical care, so you can focus more time on giving your pet the love they deserve.

To achieve that mission, we set out to be the opposite of the stuffy, old-school insurance cliche and instead want to be the most human pet insurer in the UK by keeping things super simple and personalising our offering to you and your pet.

This page outlines our approach at Waggel, so you can see why hundreds of thousands of cats, dogs, and their humans choose to be part of our community.

Loki the Maine Coon scoffs a new houseplant and spends Sunday night at the emergency vet for toxic-plant treatment. While the nurse finishes the discharge notes, you tap ‘Start Claim’ on your Waggel dashboard.

You’re asked for your pet’s previous medical history from your vet, followed by a message from your Customer Champion with any progress updates or if further information is required.

Over the next few days you watch real-time claims tracking change and update, and your payment lands once the claim is approved.

Because you chose £12,000 Lifetime cover with a £0 excess, Waggel reimburses the full £1,050 bill.

Before beginning any claim or insurance plan, please read our pre-existing conditions guide and the full terms in our policy explainer. Other restrictions may apply.