Save 15% with multi-pet discount. Get your quote now.

Really good insurance for really good pets

Comprehensive lifetime cover, with free access to the best pet care services.
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Rated 4.6 · 2696 reviews

We’ve got tails wagging!

Fast fuss-free claims

Our simple claims process is quick, easy and all online. Read how to claim here.

Free vet video calls

Unlimited 24/7 video calls with UK vets and behaviourists. So you can always get expert help.

Low excess

We have a low standard excess charge of £99 per condition, per year. No matter your policy.

We've got you covered for:

Accident and illness

If your pet gets poorly, we’ll cover vet treatment. That includes tests, surgeries, hospitalisation, medication, and more.

Dental work

We’re one of the only insurers to cover dental illnesses, including tartar removal and extractions.

Complementary treatment

Such as physiotherapy to help mend a torn muscle, or treatment to relieve general aches, pains, and stiffness.

Behavioural treatment

To stop bad habits like excessive grooming, or helping pets feel less anxious when you’re not there.

Travel and holidays

We include travel cover in case your pet needs to see a vet abroad, or you have to extend or cut a trip short because of your pet.

Emergency boarding

Covering the cost of putting your pet into a kennel or cattery if you need to go into hospital and can’t look after them.

Finding a missing pet

If your pet goes missing, we’ll pay advertising costs and the reward.

Third party liability

If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).

Stress-free puppy parenting with Puppy Academy

Live classes from pet experts

Expert advice on first aid, toilet training, walking, being home alone, and more.

Personal advice

Ask questions from the comfort of your sofa, with other new puppy owners just like you.

Free for Napo customers

There’s nothing more to pay, simply get insurance with us.

What customers think about Napo

Rated 4.6 · 2696 reviews

Frequently asked questions

Why is Napo different?

We don’t want to make money by wriggling out of claims. Instead, we want to prevent vet bills in the first place by giving you free access to some of the best pet care services, so that your pet stays happy and healthy. In fact, we’re so confident, we offer a comprehensive policy and a low £99 excess you only pay once a year, per condition claimed.

Can Napo pay my vet directly?

Yes. We can pay you or the vets, whichever you prefer. If you want us to pay your vets directly, it's up to the vet practice whether they would be happy to do this.

Can I speak to someone over the phone?

Yes, you can chat with us over the phone using our callback service. To book a call, tell us what you'd like to talk about in a chat or email to us. So we can help you as best we can on the call, please give as much detail about your query as you can in your message. Then one of our customer champions will send you a calendar where you can book a call at a time that suits you. 😊
We don’t have an inbound phone line. So if you want to chat with us over the phone, please book a callback.
Just a heads up, we can not make any changes to payments or Direct Debits over the phone.
But, the quickest and easiest way to speak to us is through our chat. Customer champions are available 10am-5:30pm on weekdays. 💬

Does Napo do multipet discounts?

Yes, Napo offers multipet discount of 15% when you insure more than one pet with us. To get your multipet discount, just get a quote and add another pet during the quote.
If you’re already a customer and want to add another pet, please contact us.

How can the excess be only £99 per year?

High excesses make claiming difficult and stressful. Insurers set them high to avoid paying up. We want to make claiming as stress-free as possible.
We don’t need to wriggle out of paying when you need us the most. The low £99 excess is our proof to you that we mean it.
We know claiming always comes at tough times, and think our free pet services will help you to prevent the need to claim in the first place.

How does Napo make money?

We earn a commission from your monthly payments, which we use to fund our free pet services and pay our small team. The rest of your payments are pooled and used to pay out claims.
If the amount we’ve got pooled is ever less than the amount we need to pay out in claims, don’t worry. We’ve got what’s called an ‘underwriter’ who will keep paying out claims so we’ll never go back on our word in our policy.

Why do I need pet insurance?

Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance. 
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!

Will my policy price increase if I claim?

Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth...
Pet insurance policies, including Napo’s, go up slightly each year as your pet gets older and less healthy.
When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.