Get comprehensive dog insurance coverage

Vet treatments

, 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.

A Napo dog insurance policy 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

with every policy. That helps 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,

.

Whether you think getting older dog insurance is worth it is down to you, and will depend on your situation. For many people, covering an unexpected vet bill can be stressful, and they might not have the savings to cover it.

Sadly as dogs get older, they're more likely to suffer from ill health. Plus, any conditions they already have are likely to get worse, and they don't recover from ill health as quickly as a young dog. That means they're more likely to need some extra care. Having pet insurance means you can worry less about covering vet bills, as they'll cover it for you.

The average cost of dog insurance will vary depending on the policy you buy, 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.

There are other costs to factor in too, other than your monthly premiums. You'll usually have to pay excess whenever you claim. Excess varies between each policy and provider. Napo offers a low excess of £75 per condition, per year. (So if you've got a continued condition, you'll only pay it once that year rather than every claim.)

Another cost to keep in mind is co-pay. Some providers may request co-pay for all claims, but many introduce it as a pet gets older. At Napo, you only need to pay 20% co-pay if your pet is older than 9 years old.

You can find out how much dog insurance would cost you by getting

.

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. To find out which Napo policy is right for you, take

.

If you want to compare dog insurance from different providers, you can check online.

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

Napo can offer pet insurance for senior dogs, because all of our policies offer

. We'll protect your pooch no matter how old they get, as long as you start the policy before they're 15 years old, and keep the policy active.

If your dog is older than 9 years old, you’ll need to pay co-pay as well as excess. (Co-pay is a 20% contribution towards claims.)

Yes, all Napo policies include

. All policies get at least £2000 towards dental treatment, and we'll cover the cost of dental treatments caused by accidents or illnesses. To be eligible for cover, there’s no extra cost. We just ask that your dog should have an annual dental check up. This can be done anytime your pup sees the vet, and helps to spot any problems early.

We don’t cover a pre-existing condition your dog’s had in the last 24 months.

If your dog hasn’t had symptoms, treatment, medication, or advice for the condition in the last 24 months, we can cover it!

Yes, you can insure more than one dog with us, and you'll get a

. Each dog will have to have a separate policy, which means they have their own individual cover limit.

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.

We can cover accidents that happen after 24 hours from your policy start date. We’ll also cover any other condition that first shows signs or symptoms after the first 10 days.

There are 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,

. We believe it offers your pooch the most comprehensive protection, and gives you peace of mind that any conditions they develop will be covered for life.