Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything kind of cover your top dog deserves
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It only takes 3 minutes
Rated 4.5 · 3307 reviews
Six-star service?
(That’s more like it)
Fast + simple online claims
Let’s save the fuss for your pet. Read about our suuuper-quick process here.
Unlimited expert video calls
Ward off the worry with UK vets and behaviourists, on tap, for free, 24/7.
Low excess charge
Save your cash for spoiling with just £99 excess per condition per year, as standard.
You don't do basic.
(Neither should your pet insurance policy)
If you’re the kind of person who’d happily surrender your soul for your adorable little scamp, don’t worry. We get it. Good news is, it won’t have to come to that.
We’re Napo. The insurer built and run by pet parents, providing the comprehensive cover you need to keep every furry pal happy, healthy and treated like the VIPs they are.
3 THINGS EVERY PET OWNER SHOULD BE LOOKING FOR
(And why comprehensive is king)
No Medical Inner Limits
So you won’t get caught out.
More basic policies exclude important stuff through limited coverage with ‘inner limits’ (aka, a cap on specific conditions) on things like diagnostics, accidents and illness. Thankfully, we prefer to be inclusive, as standard.
High Cover
So you won’t be out of pocket.
Our highest cover is £16k, so we cover you for the big stuff. With speedy claims and the option to pay directly to your vet, there’s also no slow reimbursement process to worry about with us.
Lifetime Cover
So you’re protected for life.
With lifetime cover, your pup is insured for even ongoing and chronic conditions for as long as they live, for as long as you renew your annual policy. (No time limits or ‘accident-only’ cover around here.)Expect extra (as standard)
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
Accident and illness
Tests, surgeries, hospitalisation, medication… when we say we cover vet treatment, we mean it. (And naturally, it’s only the best.)
Dental work
Not many insurers cover dental as standard, but we do. Yes, even tartar removal and extractions to protect that smile.
Complementary treatment
It’s a pretty extra ‘extra’, but hey, they’re worth it. From muscular physio to treating stiffness, aches and pains, we’re here to help.
Behavioural treatment
In need of a helping paw? Our expert trainers can stop bad habits like excessive grooming or reduce anxiety when you’re not there.
Travel and holidays
Yes, your jet-setting pets are covered in case they need a vet abroad or if they unexpectedly cause you to extend or abandon your trip.
Emergency boarding
We cover kennel costs if you go to the hospital and can’t take care of them, so you know they’re safe.
Finding a missing pet
If your pet goes missing, we’ll pay advertising costs and rewards to help you find them as soon as you can.
Third party liability
If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).
We're not in it for glowing reviews
(but it's still kinda nice)
Rated 4.5 · 3307 reviews
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
Rebecca little
Decided to try Napo to insure my first dog!.. Early days but off to a perfect start with issues regarding alterations to my policy. Thankyou!
Mrs Katherine Blair
I had some problems when was signing up my pets. I spoke to the online customer service. The person was so friendly and patient. would asked me to see if the work he/she did was helpful. I felt very pleased.
shu
I was a little skeptical to insure my dogs with a new Company, however I am so pleased that I did. My dog encountered a problem which Napo dealt with in a very professional and efficient manner, always being extremely courteous and answering mail and questions very quickly, therefore I have no hesitation in recommending them, indeed I already have to two of my Canine Friends,.
Mrs J Gittins'Pop
Really good value for great level of cover, also like that you have access to an online vet 24/7 at no additional cost or detriment to your policy. So far so good.
Kirsty Ogden
Right, So when I took my policy out there was no reviews about claims so here is mine. My Mini Dachshund managed to hoover up some raisins in the woods on our walk. It looked like somebody had scattered trail mix on the floor and raisins being blended in with the mud I didn't see them! (Which is annoying when you do everything you can to make sure your dog is safe and well). Instantly googled for advice and called my vet who wanted him in within the hour for a sickness injection, they also gave him some activated charcoal and advised bloods in a couple of days. Obviously I agreed as I just wanted to make sure he was OK! The next day I put my claim in and heard back instantly saying they would request my vet notes. Annoyingly it took my vets over two weeks to send these but that is no fault of Napo. However what was excellent was during these two weeks I was emailed every two days and although there was no progress from my vet I was still informed. Finally my vets sent what they needed to, on 10th March I was notified Napo would now work on my claim. Today (25th March) I've woken up to my money back. I honestly couldn't fault the service especially being kept in the loop every two days when there was no progress from my vet. Much better than just submitting a claim and hearing nothing then having to chase it up myself. I gave 4 stars because I am unsure if my policy quote will rise next year with now claiming, time will tell, I will update on this when the time comes but incase anybody else is out there searching all corners of the Internet for decent pet insurance company! Definitely reccomend taking a policy out.
Emma
Basic is as basic does
(No, cheaper isn't always better)
Cheap harness
= uncomfyCheap food
= unhealthyCheap poo bags
= (…don’t even go there)For us pet parents, the false economy is real.
But when we’re talking insurance, that can also = COSTLY.
At Napo, we believe you should get what you paid for. And to us, that means insurance that, y’know, insures your dog…? That’s why we only do the full, comprehensive kind.
No medical inner limits. No finding out you only have £200 cover for an MRI scan that costs on average £2500. And to top it off, we cover breed specific issues too, like IVDD and BOAS, as standard.
Frequently asked questions
Why is Napo different?
We don’t want to make money by wriggling out of claims. Instead, we want to prevent vet bills in the first place by giving you free access to some of the best pet care services, so that your pet stays happy and healthy. In fact, we’re so confident, we offer a comprehensive policy and a low £99 excess you only pay once a year, per condition claimed.
Can Napo pay my vet directly?
Yes. We can pay you or the vets, whichever you prefer. If you want us to pay your vets directly, it's up to the vet practice whether they would be happy to do this.
Can I speak to someone over the phone?
Yes, you can chat with us over the phone using our callback service. To book a call, tell us what you'd like to talk about in a chat or email to us. So we can help you as best we can on the call, please give as much detail about your query as you can in your message. Then one of our customer champions will send you a calendar where you can book a call at a time that suits you. 😊
We don’t have an inbound phone line. So if you want to chat with us over the phone, please book a callback.
Just a heads up, we can not make any changes to payments or Direct Debits over the phone.
But, the quickest and easiest way to speak to us is through our chat. Customer champions are available 10am-5:30pm on weekdays. 💬
Does Napo do multipet discounts?
Yes, Napo offers 5% multipet discount when you insure more than one pet with us. To get your multipet discount, just get a quote and add another pet during the quote.
If you’re already a customer and want to add another pet, please contact us.
How can the excess be only £99 per year?
High excesses make claiming difficult and stressful. Insurers set them high to avoid paying up. We want to make claiming as stress-free as possible.
We don’t need to wriggle out of paying when you need us the most. The low £99 excess is our proof to you that we mean it.
We know claiming always comes at tough times, and think our free pet services will help you to prevent the need to claim in the first place.
How does Napo make money?
We earn a commission from your monthly payments, which we use to fund our free pet services and pay our small team. The rest of your payments are pooled and used to pay out claims.
If the amount we’ve got pooled is ever less than the amount we need to pay out in claims, don’t worry. We’ve got what’s called an ‘underwriter’ who will keep paying out claims so we’ll never go back on our word in our policy.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
Will my policy price increase if I claim?
Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth...
Pet insurance policies, including Napo’s, go up each year as your pet gets older and less healthy.
When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.
Some of our happy customers
