Really good insurance for really good pets
Comprehensive lifetime cover, with free access to the best pet care services.
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It only takes 3 minutes
Napo is a top scorer in Which? research and Best Buy for 8K, 12K, and 16K policies.
Free video vet appointments
You can get free, unlimited, 24/7 video calls with UK vets and behaviourists. So you can always get expert help.
Fast, fuss-free claims
Our simple claims process is quick, easy and all online. Readhow to claim here
We have alow standard excess charge
of £75 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.
We’re one of the only insurers tocover dental illnesses
, including tartar removal and extractions.
Such as physiotherapy to help mend a torn muscle or treatment to relieve general aches, pains and stiffness.
To stop bad habits like excessive grooming, or helping pets feel less anxious when you’re not there.
Travel and holidays
We includetravel 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.
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.
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.
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 people say
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 anda low £75 excess
you only pay once a year, per condition claimed..
Can Napo pay my vet directly?
Can I speak to someone over the phone?
Yes, you can chat to us over the phone using our callback service.
To book a call, tell us what you'd like to talk about in a chat oremail
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.:calendar_spiral:😊
Just to make you aware, we cannot makes any changes to payments or Direct Debits over the phone. We don’t have an inbound phone line, so if you want to chat to us over the phone, please book a callback.
But thequickest 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?
How can the excess be only £75 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 know claiming always comes at tough times, and believe our free pet services will help prevent the need to claim in the first place.
That way, we don’t need to wriggle out of paying when you need us the most. Thelow £75 excess
is our proof to you that we mean it.
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 small dog, the PDSA estimates you’ll pay up to £25,000 over its lifetime, unless you have insurance.
Ourcomprehensive lifetime cover
makes sure that if you ever need expensive help, you can afford the very best!
How often does Napo reject claims?
We just launched in October 2021, so we haven’t got an approval rate to share yet. What we can say is that we’ll always pay your claim if it’s covered in our generous policy.
Remember, we’re not here to wriggle out of paying when you need us the most. We’re here to help keep your pet happy and healthy in the first place.
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 and 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.