with multi-pet discount.
with multi-pet discount.
Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, wellbeing and more.
Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, wellbeing and more.
Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, wellbeing and more.
Real pets insured by Napo
Real pets insured by Napo
Join over 115,000 pet parents who chose us to care for the hairiest members of their household
Join over 115,000 pet parents who chose us to care for the hairiest members of their household
Comprehensive cover looks like
Comprehensive cover looks like
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation – we got you!
Accidents
Accidents can happen. We’ve got the unexpected vet bills covered.
Emergency surgery
We will always prioritise emergency claims
Diagnostic tests
X-rays, MRI, blood tests and anything perscribed by vets
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation – we got you!
Accidents
Accidents can happen. We’ve got the unexpected vet bills covered.
Emergency surgery
We will always prioritise emergency claims
Diagnostic tests
X-rays, MRI, blood tests and anything perscribed by vets
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation – we got you!
Accidents
Accidents can happen. We’ve got the unexpected vet bills covered.
Emergency surgery
We will always prioritise emergency claims
Diagnostic tests
X-rays, MRI, blood tests and anything perscribed by vets
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation – we got you!
Accidents
Accidents can happen. We’ve got the unexpected vet bills covered.
Emergency surgery
We will always prioritise emergency claims
Diagnostic tests
X-rays, MRI, blood tests and anything perscribed by vets
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation – we got you!
Accidents
Accidents can happen. We’ve got the unexpected vet bills covered.
Emergency surgery
We will always prioritise emergency claims
Diagnostic tests
X-rays, MRI, blood tests and anything perscribed by vets
Fast help whenever you need it
Fast help whenever you need it
24/7 online vet access
24/7 online vet access
Free FirstVet app subscription included, for instant help
Free FirstVet app subscription included, for instant help
Direct payment to vets
Direct payment to vets
So you’re not left out of pocket
So you’re not left out of pocket
Most claims closed within 5 days
Most claims closed within 5 days
95% acceptance rate*
95% acceptance rate*
Cover levels for every budget
Choose the right limit to care for your pet’s potential needs and protect your savings
Most popular
What’s included
in each cover level
Dental work
Physio and other holistic therapies
Behavioural treatment
24/7 FirstVet video appointments
Most popular
£2,000
vet fees per year
£1,000
£250
£250
Always free!
Most popular
£4,000
vet fees per year
£2,000
£500
£500
Always free!
Most popular
£8,000
vet fees per year
£2,000
£1,000
£1,000
Always free!
Most popular
£12,000
vet fees per year
£2,000
£1,500
£1,500
Always free!
Most popular
£16,000
vet fees per year
£2,000
£2,000
£2,000
Always free!
Cover levels for every budget
Choose the right limit to care for your pet’s potential needs and protect your savings
£2,000
vet fees per year
£4,000
vet fees per year
Most popular
£8,000
vet fees per year
Dental work
£2,000
Physio and other holistic therapies
£1,000
Behavioural treatment
£1,000
24/7 FirstVet video appointments
Always free!
£12,000
vet fees per year
£16,000
vet fees per year
Cover levels for every budget
Choose the right limit to care for your pet’s potential needs and protect your savings
Most popular
What’s included
in each cover level
Dental work
Physio and other holistic therapies
Behavioural treatment
24/7 FirstVet video appointments
Most popular
£2,000
vet fees per year
£1,000
£250
£250
Always free!
Most popular
£4,000
vet fees per year
£2,000
£500
£500
Always free!
Most popular
£8,000
vet fees per year
£2,000
£1,000
£1,000
Always free!
Most popular
£12,000
vet fees per year
£2,000
£1,500
£1,500
Always free!
Most popular
£16,000
vet fees per year
£2,000
£2,000
£2,000
Always free!
Piper’s story
“No hurdles, no fuss. Excellent service!”
“No hurdles, no fuss. Excellent service!”
When Piper the Labrador developed a lump on her chest, her owner got her straight to the vet for a biopsy.
10 days later, she went in for the removal procedure. She was discharged by teatime, and the vet’s claim was accepted and paid by the end of that very same day. A relief that Piper’s owner could just focus on her recovery!
When Piper the Labrador developed a lump on her chest, her owner got her straight to the vet for a biopsy.
10 days later, she went in for the removal procedure. She was discharged by teatime, and the vet’s claim was accepted and paid by the end of that very same day. A relief that Piper’s owner could just focus on her recovery!
Emergency claim
Less than 24 hours
We approved the claim straight away
Surgery cost
£1,616
Fully covered by her policy after excess
Payment handled
2 hours
We paid the vet directly, same-day
24/7 online vet access
Get a free FirstVet video subscription through your Napo cover, for instant help at any time
24/7 online vet access
Get a free FirstVet video subscription through your Napo cover, for instant help at any time
24/7 online vet access
Get a free FirstVet video subscription through your Napo cover, for instant help at any time
Napo pet insurance FAQs
Everything you need to know about keeping your dog or cat healthy and happy with Napo lifetime cover.
What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.
You also get free, unlimited access to expert vet advice via the FirstVet app, designed to keep your pet well and reduce costly vet visits. And when it’s time to claim, our award-winning team works quickly, paying vets directly, so you’re never left managing bills alone.
Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!
Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.
We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.
Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.
Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.
Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine or preventative dental health treatment such as descaling, polishing and cleaning teeth, even if recommended by your vet.
How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.
At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.
When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.
We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment whilst insured with us, no matter your pet’s age.
Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.
How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.
Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.
You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.
Napo pet insurance FAQs
Everything you need to know about keeping your dog or cat healthy and happy with Napo lifetime cover.
What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.
You also get free, unlimited access to expert vet advice via the FirstVet app, designed to keep your pet well and reduce costly vet visits. And when it’s time to claim, our award-winning team works quickly, paying vets directly, so you’re never left managing bills alone.
Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!
Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.
We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.
Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.
Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.
Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine or preventative dental health treatment such as descaling, polishing and cleaning teeth, even if recommended by your vet.
How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.
At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.
When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.
We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment whilst insured with us, no matter your pet’s age.
Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.
How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.
Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.
You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.
Napo pet insurance FAQs
Everything you need to know about keeping your dog or cat healthy and happy with Napo lifetime cover.
What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.
You also get free, unlimited access to expert vet advice via the FirstVet app, designed to keep your pet well and reduce costly vet visits. And when it’s time to claim, our award-winning team works quickly, paying vets directly, so you’re never left managing bills alone.
Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!
Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.
We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.
Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.
Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.
Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine or preventative dental health treatment such as descaling, polishing and cleaning teeth, even if recommended by your vet.
How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.
At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.
When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.
We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment whilst insured with us, no matter your pet’s age.
Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.
How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.
Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.
You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.
A note from Napo, our original founder
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙
A note from Napo, our original founder
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙
A note from Napo, our original founder
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙