I swapped to Agria from another well known insurance brand because I own three cocker spaniels and the cumulative cost from the other provider was high. I moved to Agria and found that my premiums were 50% approximately of what I had been paying, with no material difference in the level of cover I received. With a recent significant operation on my older dog (cruciate ligament injury) the insurance company paid out with no quibble. it was clear what excess I had to pay, I was very impressed.