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Get long-term protection with lifetime pet insurance

All Napo policies offer lifetime cover, so you can protect your pet “furever”.
Which? Best Buy Award for Dog Insurance for 2023 for 8k, 12k and 16k policies
Defaqto 5 star ratingFairer Finance 5 star rating for dog insuranceFairer Finance 5 star rating for cat insurance
Napo is a top scorer in Which? research and Best Buy for 8K, 12K, and 16K policies.

What is lifetime pet insurance?

Lifetime cover means you can protect your pet in old age. Like this beautiful old Golden Retriever, whose gone grey around the muzzle.
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
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 policies, 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.

Try our fuss-free lifetime cover

Free video vet appointments

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

Low excess

We have a
low standard excess charge
of £75 per condition, per year. No matter your policy.

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.

What our customers think about Napo

Lifetime pet insurance 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, they will continue to be covered for it 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?

There’s no single answer here, as your insurance price will depend on different factors. This includes the kind of pet you’re insuring, their age, their breed, and where you live. 
The quickest way to find out how much lifetime dog insurance or lifetime cat insurance is to
get a quote
. It’s all online and just takes a few minutes.

Do I need pet insurance with lifetime cover?

Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards… The costs of owning a pet over its lifetime can stack up.
For example, if you own a small dog, the PDSA estimates you’ll pay up to £25,000 over its lifetime, unless you have insurance.
Lifetime cover means if your pet develops a long-term or chronic condition, they will always be covered for it as long as the policy is running. Vets almost always recommend lifetime cover for this reason.
Meanwhile, annual cover only lasts for a year. So if your pet develops a long-term condition, when the policy ends you lose cover for it and it becomes a pre-existing condition, which can make finding cover tricky.
Our comprehensive lifetime pet insurance makes sure that if you ever need help - whether it’s for vet bills, behavioural treatments, or finding a missing pet - you can afford the very best.

Does lifetime pet insurance go up every year?

Sometimes, but not always. It depends on your pet and your circumstances. 
In general, pet insurance is similar to human health insurance because it increases in price as your pet ages, and when health conditions are likely to get more frequent or more severe.
However, there are some situations where your price will remain similar, or perhaps even decrease. 
If you are a Napo customer and ever have a question about prices,
contact our customer champions

Does pet insurance life cover ever run out?

With Napo, you can have pet insurance cover for life, as long as your policy remains active. If you stop paying or cancel your policy, you will lose your cover.
So you will have lifelong pet insurance for your furry friends as long as you keep your policy active.

Is lifetime dog insurance worth it?

We think so, because dogs can live a long time! They can also develop chronic conditions that last for a long time, or for life. 
Plus, many chronic conditions require daily treatment, which can become costly if insurance isn't there to help cover the costs. This is why vets typically recommend lifetime insurance. They 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.
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.

Do lifetime pet insurance premiums go up with age?

Age is the biggest influence on your premium. Insurance will (almost always) go up as your pet gets older and insurers predict that your pet might need extra care.
This is because as pets age, many health conditions become more common. Plus, pre-existing conditions they have may worsen. And they might require longer and more frequent treatment, because older pets don’t recover as quickly.

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 cover is that you might lose cover for medical conditions your pet has that go on for longer than the time 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, but this 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 and use it in a few months, or two years.
Maximum benefit insurance can work like time-limited policies. Once it’s used up, it’s gone, and you have to get a new policy. And when you do get a new policy, any conditions your pet developed before might not be covered anymore.
Meanwhile, lifetime insurance provides a set price limit that renews each year.
In the case of Napo, you can pick between £4,000 and £16,000 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.

Get comprehensive lifetime cover for your furry friends

Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who is an appointed representative of City Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (ref: 831252). We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.
What we cover is subject to terms and conditions in our policy.
© Napo Limited 2023