Get comprehensive dog insurance coverage

Protect your pup and your peace of mind with tooth to tail cover that gets tails wagging.
The illustration is of a Golden Retriever sleeping on their back on a blue rug, with a blue ball in their mouth, and a rubber plant behind them..
Which? Best Buy Award for Dog Insurance for 2023 for 8k, 12k and 16k policies
Defaqto 5 star ratingFairer Finance 5 star rating for dog insuranceFairer Finance 5 star rating for cat insurance
Napo is a top scorer in Which? research and Best Buy for 8K, 12K, and 16K policies.

What do our insurance policies for dogs include?

The photo shows a Beagle yawning whilst lying on a comfy grey couch.
Here at Napo, we want to make sure you have everything you need to keep your dog happy and healthy. That's why we offer comprehensive dog insurance plans with
lifetime cover
, plus everything from
travel cover
to dental included.
Napo pet insurance plans for dogs include:
  • Up to 16k in vet fee cover.
  • Free 24/7 video calls with UK vets and behaviourists.
  • Dog insurance with
    dental cover
    for accidents and illness.
  • 15% multipet discount
    when you insure more than one pet with us

We make dog insurance a doddle

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.

Exclusive perks for puppy owners

The image shows a poodle crossbreed puppy bounding towards the camera, mouth wide like it's smiling and ears flapping in the breeze.
As well as providing comprehensive dog insurance to protect your pup, you'll get access to
Puppy Academy
for free.
You can book live online classes run by vets and behaviourists, at times that suit you. You'll learn everything you need to know to bring up a happy, healthy, well-behaved puppy.

What our customers think about Napo

Dog insurance FAQs

Why should I insure my dog?

Vet fees
can be very expensive
, and are often out of the blue. Although you might do all you can to protect your pooch, accidents and illness can still happen.
Having insurance for your dog means you don’t have to worry about paying all your vet fees yourself. Your insurer will pay the bill as long as it’s included within your policy.
Napo pet insurance doesn't just cover vet fees though. We'll help you cover the cost of other treatments like complementary therapy and behavioural therapy. If your pet ever goes missing, we'll help you pay for advertising costs and rewards. We also offer
travel cover
, which can help to pay vet fees if your pet gets sick on holiday, or can even cover travel or accommodation costs if you have to change your plans because of your pet.
To find out more about our cover,
get an online quote

How much does dog insurance cost?

The average cost of dog insurance will vary depending on the policy you purchase, where you live, and even factors like your dog’s age and breed. 
And just like home insurance or car insurance, you generally get more comprehensive cover, and higher fee limits, if you’re willing to pay a higher premium. 
Meanwhile, you can take out a lower-price policy, but this typically offers limited cover.
You can find out how much dog insurance would cost you by getting
an online quote

What dog insurance policy is best?

Every situation and every dog is different, so the cover you need might not be the same as what another owner wants. 
We offer several different policies with varying amounts of cover, so you can find one that best fits you and your pup’s needs. Find out which policy is right for you with
an online quote
If you want to compare dog insurance from different providers, you can check online.

Do you offer puppy insurance?

Yes, our dog insurance covers puppies and dogs. We can insure your puppy as long as they’re older than 4 weeks of age.

Do you offer senior dog insurance?

Napo can offer pet insurance for older dogs. We can offer
lifetime cover
for your dog as long as you take their policy out before they reach 15 years of age.

Does your dog insurance cover dental treatment?

Yes, all our policies provide
dental cover
. We cover the cost of dental treatments caused by accidents or illnesses.
We also cover tartar removal, professional cleaning, and extractions, as long as it is prescribed and carried out by a vet.

Do you cover pre-existing conditions?

We can cover any pre-existing conditions as long as your dog hasn’t had symptoms, treatment, medication, or advice for the condition in the last 24 months.

Can I get multi dog insurance?

Yes, you can insure more than one dog with us, but each dog will have to have a separate policy. That way, you can choose the cover that's right for each dog.
Plus when you protect more than one pet with us, you'll get a
15% multipet discount

How long does dog insurance take to kick in?

Most insurance policies have a waiting period. This is a set number of days between your policy start date, and when the cover comes into effect.
It varies between different dog insurance companies, so remember to check their policy document to see what their waiting period is.
At Napo, all accidents are covered after 24 hours of your policy start date. All other claims have a waiting period of 10 days.

What types of dog insurance are there?

There's a few types of dog insurance on the market including time-limited, maximum benefit, lifetime pet insurance, and accident-only pet insurance.
As the name suggests, accident-only just protects your pet in the case of accidents, it won't cover illness.
Meanwhile, time-limited offers a fixed amount of cover for accidents and illness. However, it only covers your pet for a set time period. (Normally 12 months.) After that time period, you won't be covered. And usually any conditions your dog developed during that time will become "pre-existing conditions" when you come to buy a new policy, even with the same provider.
Maximum benefit will protect your pet against accident and illness for any period of time, but only up to an agreed maximum cover amount. Once you claim for that benefit amount, your cover ends. Again, this can mean you lose cover for pre-existing conditions when you purchase a new policy.
Meanwhile, lifetime cover offers a certain value of cover that resets every year. It also protects your pet from accidents, illness, and injuries. Lifetime cover offers long term protection that lasts as long as the policy is active. 
At Napo, all of our policies offer
lifetime cover
. We believe it offers your pet the most comprehensive protection, and gives you peace of mind that any conditions they develop will be covered for life.

Need some more dog advice?

We have lots of dedicated dog advice on
our blog
and in our podcast, “
The Pet Perspective

Protect your pup from tooth to tail with comprehensive dog insurance

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