Questions we hear
Short educational answers on excess, pre-existing conditions, lifetime cover and claims. Not personal advice.
Is this an insurance company?
No. See about.
Does lifetime mean unlimited?
No. It usually means a refreshing annual cap if you keep renewing. Read lifetime cover.
Will a new policy cover an old limp?
Often not. That is the pre-existing problem. See pre-existing conditions.
Can you recommend a brand?
No. We publish a comparison method, not a ranking.
How to use this page on Questions we hear
agria.org.uk is an independent educational project. Questions we hear should leave you with questions for a regulated firm or your veterinary practice, not with a bindable quote. If you hold a policy with a company whose trading name is similar, use the details on your own schedule.
| If you need… | Open | Bring |
|---|---|---|
| The contract in ordinary language | How it works | Last year’s invoices |
| A species that is not a dog or cat | Animals | The vet who will actually treat it |
| A switching decision | Switching | Clinical history |
| A complaint path | Regulation | The written decision |
Corrections: contact. We will not intervene in a live claim.
Frequently asked questions
Is this Questions we hear page selling pet insurance?
No. Questions we hear is educational. We do not sell policies, handle premiums, or administer claims, and we are not affiliated with any commercial insurance brand.
Can I use Questions we hear as personal advice for my animal?
No. Questions we hear is general information. Decisions sit with you, your veterinary practice, and — if you choose — a regulated insurer or intermediary.
Does “lifetime” on a page like Questions we hear mean unlimited vet fees?
Usually not. In UK consumer language it often means a cap that can refresh at renewal if you keep the contract in force. Read the cap and the renewal terms.
Will you recommend a brand after I read Questions we hear?
No. We publish a comparison method, not a league table. Take the booklet questions from this site to a firm you choose.