Get comprehensive dog insurance cover

Protect your pup and your peace of mind with tooth to tail cover that gets tails wagging.
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Rated 4.7 · 2463 reviews

We've got tails wagging!

We make dog insurance a doddle

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.

What do Napo insurance policies for dogs include?

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

Exclusive perks for puppy owners

As well as providing comprehensive dog insurance to protect your pup, you'll get access to Puppy Academy and our dog training hub for free.
With Puppy Academy, 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. Meanwhile the Dog Training Hub contains video lessons you can watch anytime, and group Q&As with a clinical animal behaviourist for personal advise.

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

Trustpilot
Rated 4.7 · 2463 reviews

Frequently asked questions

Why should I insure my dog?

Vet treatments can be very expensive, and 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 covers more than just 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 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, get an online quote.

Is it worth insuring an old dog?

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 dog insurance means you can worry less about covering vet bills, as your insurer will cover it for you.

How much does dog insurance cost?

The average cost of dog insurance will vary depending on the policy you buy, where you live, and 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 cheaper 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 £99 per condition, per year. So if your pet develops a long-term condition, you'll only pay excess once that year, rather than every claim.
Another cost to keep in mind is co-pay. Some providers may ask for co-pay for all claims. But many introduce it as a pet gets older. At Napo, you will be asked to pay 20% co-pay if your pet is older than 9 years old.To find out exactly how much dog insurance from Napo would cost, get a quick online quote.

Which is the best pet insurance for dogs?

Every situation and every dog is different. So the best pet insurance for your dog might not be the same as what another owner wants. It depends on your budget, the breed you own, how high vet fee cover you want, and how comprehensive you want your cover. For example, if you'd like dental or travel cover included.
At Napo, we offer four different policies. They offer the same types of cover, like dental, but the limits for each cover vary. 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 a quick 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 both 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 senior dogs. Because all of our policies offer lifetime cover, we'll protect your pooch no matter how old they get. Just 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. Napo's co-pay is a 20% contribution towards every claim.

Does dog insurance cover dental?

Whether your dog insurance covers dental depends on your insurance provider and the type of policy you buy.At Napo, all policies include dental cover. We'll cover the cost of dental treatments caused by accidents or illnesses that are not pre-existing.
To be eligible for cover, there’s no extra cost. We just ask that your dog has an annual dental checkup, and a vet gives treatments within 3 months of recommendation. The checkup can be done anytime your pup sees the vet, and helps to spot any problems early. We will not cover treatments for a pre-existing condition or crown.

Do you do dog insurance for pre existing conditions?

Sadly, we can not cover any pre-existing conditions your dog’s had in the last 24 months.
If your dog hasn’t had signs or symptoms, treatment, medication, or advice for the condition in the last 24 months, we can cover it!

Can I get multi dog insurance?

Yes, you can insure more than one dog with us. You can also insure multiple cats with Napo. Or insure loads of both! You'll get a 15% multipet discount no matter what kind of pet you insure.
Just remember each pet will have to have a separate policy. But that means they have their own individual cover limit!

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.
The length of the waiting period varies between different dog insurance companie. So remember to check their policy document to see what their waiting period is.
At Napo, 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 from 10 days from your policy start date.

What types of dog insurance are there?

There are a few types of dog insurance on the market. They include time-limited, maximum benefit, lifetime pet insurance, and accident-only pet insurance.
As the name suggests, accident-only will only 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 want 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've claimed 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 offers long term protection that lasts as long as the policy is active. It also protects your pet from accidents, illness, and injuries.
At Napo, all of our policies offer lifetime cover. 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.