Pet insurance that can pay your vet direct. Get your quote now.

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.
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Rated 4.6 · 2696 reviews

We've got tails wagging!

Pet insurance that can pay your vet directly, plus:

Free vet video calls

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 £99 per condition, per year. No matter your policy.

Does pet insurance pay vets directly?

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 payments 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 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 £99 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 send us your claim, and we’ll refund you the costs, (minus your excess.). If you would prefer us to pay 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.

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).

What customers think about Napo

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Rated 4.6 · 2696 reviews

Frequently asked questions

Which pet insurance pays the vet directly?

Many pet insurance companies pay vets directly, including Napo! We can provide cat insurance and dog insurance that pays vets directly. However, not all vets will accept 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.

Does Napo pet insurance pay direct to vet?

We’re happy to pay you or your vet. But not every vet takes direct payments. 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 send all payments straight to them.

What pet insurance do most vets accept?

Many 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. Or they might take direct payment for small claims, but not big ones.
If you want to know if your vet accepts direct pet insurance payments, it’s best to ask them. If they’re happy to take direct payments, we can pay them!

Does pet insurance pay everything?

It depends on your provider and the kind of pet insurance cover you've 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 lifetime cover. That means we’ll cover any approved conditions your pet develops while insured with us for the rest of their life. As long as your policy is active.
Our insurance is also super comprehensive. So we'll pay for a lot! As well as paying vet fees, we also cover things like dental cover and travel cover.
To find out more about what we cover, check out our policy document. If you’re not sure, feel free to chat to one of our customer champions. We’re always here to help! 💙