Pet insurance that can pay your vet direct.
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Fuss-free pet insurance with direct to vet payments

We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using
our vet portal

Does pet insurance pay vets directly?

The photo shows a Labrador Retriever at the vets having their ears checked. Napo can pay your vet direct when you need to pay vet fees.
Some pet insurers can pay your vet directly, but it depends on your provider. Napo is able to pay vets directly when you make a claim. 
Your vet can also make claims on your behalf too using our
vet portal
. Ask your vet if they would be happy to try this.

Pet insurance can pay your vet directly, depending on your vet

Napo pet insurance can pay your vet directly. However, whether a vet will take direct payment depends on your vet and how they choose to handle payments.
Some vets will allow us to pay them, so you won’t need to pay for your vet fees upfront.
Even if we pay your vets. you might be asked by your vet to pay your excess upfront. (We offer a low excess of only £75 per condition, per year.) Meanwhile, other vets will allow you to settle the excess later.
Meanwhile, other vets will ask for all payments upfront from the owner. You can then send us your claim, and we’ll refund you the costs, (minus your excess.) If you would prefer us to pay you rather than your vet, we can.
So in short, Napo pet insurance can pay direct to your vets, but you’ll need to ask your vet if they accept direct payments.

Pet insurance that can pay your vet directly, plus…

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. Read
how to claim here

Low excess

We have a
low 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.

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.

Try the vet portal for speedier, easier claims

We also offer a new
vet portal
, which allows vets to make a claim on your behalf, and we can pay your vet that way too. If your vet is happy to use our vet portal, all you need to do is give them your Napo policy number. Your vet will then make a claim for you, and we’ll send the payments straight to them.

What our customers think about Napo

Frequently asked questions about direct vet payments

Which pet insurance pays the vet directly?

There are many pet insurance companies that pay vets directly. Napo included! We can provide cat insurance and dog insurance that pays vets directly.
However, not all vets will accept direct payments from insurers. 
If you’d like us to pay your vet directly, be sure to ask your vet if they’ll accept direct payments. You can also ask if they can use our
vet portal
, so they can claim on your behalf. 
Vet portal claims are an average of 3x faster than traditional claims. Plus, there’s no forms for you to fill in, you just need to give your vet your Napo policy number.
That means you can rest assured that we’ll pay your vet directly, and you can focus on helping your pet feel better.

Does Napo pet insurance pay direct to vet?

We’re happy to pay either you or your vet. Although it’s entirely up to the vet’s discretion how they prefer to receive payment.
If you want us to pay your vets directly, please ask your vet if they’re happy to take direct payments. If they are, we can arrange to send all payments straight to them.

What pet insurance do most vets accept?

Most vets will accept most pet insurance companies.
However, depending on their individual experience or preference, a vet may decide that they won’t accept direct payments from a certain insurer. It’s very individual, and varies between cases too.
For example, they might accept direct payments for smaller claims, but not larger ones. 
If you want to know if your vet accepts direct pet insurance payments, it’s best to ask. And if they’re happy to take direct payments, we can send it straight to them.
They might also be happy to use our
vet portal
and make claims on your behalf.

Does pet insurance pay everything?

It depends on your provider and the kind of pet insurance cover you have bought. The more comprehensive your policy, and the higher your cover limit, the more your insurer will pay for.
The kind of policy you buy can also affect whether your pet insurer will pay for conditions for their duration, or just for a set time limit.
Here at Napo, we only offer comprehensive, lifetime cover. That means as long as your policy is active, we’ll always cover any conditions your pet develops while insured with us.
Our insurance is also super comprehensive so we will pay for a lot, including things like dental and travel cover, as well as up to £16000 in vet fee cover.
To find out more about what we cover, please refer to our
policy document
. If you’re not sure, feel free to
reach out to us
, we’re always here to help.

Get pet insurance that can pay your vet direct

Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who is an appointed representative of City Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (ref: 831252). We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.
What we cover is subject to terms and conditions in our policy.
© Napo Limited 2023