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Try our fuss-free lifetime cover
Free vet video calls
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.
We have a low standard excess charge of £99 per condition, per year. No matter your policy.
What is lifetime pet insurance
Lifetime pet insurance means that your pet is covered for any conditions that they develop for life.
So if your pet develops a long-term illness, like diabetes, they will continue to be covered for it as long as your policy is active.
Here at Napo, we only offer lifetime dog insurance and lifetime cat insurance. That means if your pet gets a long-term illness while insured with us, that illness will be covered for the rest of their life, as long as your policy is running.
Vets almost always recommend lifetime policies, rather than annual policies or time-limited policies. These only cover each illness for one policy year, or a set period of time, and when the policy ends, the conditions will no longer be covered.
Napo’s lifetime pet insurance
We have four different levels of cover to choose from. That means you can choose the maximum vet fees per year you’d like to be covered for, and pick cover that’s right for you and your pet. No matter which of our policies you go for, it’ll protect your pet for life, as long as you renew your policy.
With these polices, you can claim for a one-off illness or injury, and you can claim for ongoing illness that is likely to last a long time, or for life.
But like any insurance policy, if you cancel the policy, you won’t be able to make future claims against it. So you can protect your pet for life, as long as your policy is running.
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.
We’re one of the only insurers to cover dental illnesses, including tartar removal and extractions.
Such as physiotherapy to help mend a torn muscle, or treatment to relieve general aches, pains, and stiffness.
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.
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.
What customers think about Napo
Rated 4.6 · 2223 reviews
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
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.
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.
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.
Frequently asked questions
What does lifetime pet insurance mean?
Lifetime pet insurance means that your pet is covered year on year for any conditions that they might develop. So if your pet develops a long-term illness, like diabetes, we'll cover the costs related to treating it for as long as your policy is active.
Meanwhile, annual policies and time limited policies will only cover conditions within a certain time period. Maximum benefit policies will only cover conditions up to a certain fee limit.
How much is lifetime pet insurance?
How much lifetime pet insurance is will depend on different factors. This includes the kind of pet you’re insuring, their age, their breed, and where you live. How much it is also depends on your insurance provider and the kind of policy you purchase.
Do I need pet insurance with lifetime cover?
Owning a pet can be surprisingly expensive over the course of their life. 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.
Lifetime cover means if your pet develops a long-term or chronic condition, they'll always be covered for it. As long as the policy is active. Vets almost always recommend lifetime cover because of this.
Meanwhile, annual cover only lasts for a year. So you could lose cover for conditions when the policy ends. And these conditions become "pre-existing", which can make finding new cover tricky.
Napo's lifetime pet insurance means that if you ever need help, you can afford the very best. Whether it’s for vet bills, dental treatment, behavioural treatments, or finding a missing pet.
Does lifetime pet insurance go up every year?
Pet insurance will sometimes go up every year, but not always. It depends on your pet and your circumstances. It also depends on other factors such as inflation.
In general, pet insurance is similar to human health insurance because it increases in price as your pet ages. This is because health conditions are likely to get more frequent or more severe as a pet ages.
However, there are some situations where your price will remain similar, or perhaps even decrease.
If you're a Napo customer and ever have a question about prices, contact our customer champions.
Does pet insurance life cover ever run out?
With Napo, our lifetime cover does not run out unless you stop paying or cancel your policy. You can have pet insurance cover for the lifetime of your pet, as long as your policy remains active.
Is lifetime dog insurance worth it?
We think lifetime dog insurance is worth it, because dogs can live a long time! Having dog lifetime insurance means that no matter how long your pup lives, or what conditions they might get, you'll always have help with your veterinary fees.
Plus, dogs can develop chronic conditions that last for a long time, or for life. Because many chronic conditions require daily treatment, it can get expensive if lifetime insurance isn't there to help cover the costs.
This is why vets typically recommend lifetime pet insurance. They also know how difficult it can be for owners to find cover for conditions once an annual or time-limited policy ends. And any conditions are then classed as a pre-existing for any new policy.
Time-limited vs lifetime pet insurance
Time limited insurance is exactly what it says on the tin. It’s pet insurance with a set cover limit that will end after a certain period of time. The downside of time-limited pet insurance is that you might lose cover for medical conditions your pet has that go on for longer than your policy period.
Like human health insurance, when you buy a new policy these conditions are counted as pre-existing conditions. That means they’re often not eligible for cover with your new policy.
Lifetime pet cover means that for as long as you renew your policy, you can continue to claim for ongoing conditions. There is no time limit to your cover. The only limit will be the vet fee cover limit you have, which refreshes every year.
Maximum benefit vs lifetime pet insurance
Maximum benefit is insurance with a set price limit, but no time limit. For example, you could get £5,000 in vet fee cover and use it within two weeks, two months, or two years.
Once you've used up your cover limit, it’s gone. You'll have to get a new policy if you want to carry on having pet insurance. And when you do get a new policy, any conditions your pet developed before might not be covered anymore. Because they'll be counted as pre-existing conditions.
Meanwhile, lifetime insurance provides a set price limit that renews each year.
At Napo, we only offer lifetime policies. You can pick between £4,000 and £16,000 of cover, and that limit will refresh every year. As long as you renew your policy.
You also get continued cover for any long-term or life-long illnesses your pet has. For example, if your pet has diabetes, you can continue to claim it year after year as long as you renew your policy.