Comprehensive cover, with low excess.
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Comprehensive pet insurance with low excess

This illustration has a red haired woman sitting cross legged on the floor, playing with a black cat.
Whether you’re protecting your cat or dog with Napo, you’ll benefit from comprehensive pet insurance with low excess. It’s just £75 per condition, per year.
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 pet insurance excess?

Pet insurance with low excess means you can relax, like this orange cat sleeping in a fluffy white bed.
Whether you’re insuring your pet, your car, or your house, you usually have to pay excess. 
Pet insurance excess is an amount of money that you agree to pay anytime you make a claim for a new condition. This money is your contribution towards the cost of veterinary treatment.

What is Napo’s excess?

In the case of Napo, we offer a low pet insurance excess of £75 per condition, per year.
For example, if you insure your dog and claim for an ongoing condition, like diabetes, you only have to pay your excess once per year. Even if you visit the vet a few times and make multiple claims for that condition.
Our excess charge is standard too, so it won’t change between claims.
When your policy renews at the end of the year, you will need to pay excess on each new or existing condition you claim for. But you’ll still only need to pay once per year for each different condition.
The only time we’ll ask you to pay a different excess charge is in the case of third party liability claims. This only affects dog owners. Our third party excess is always £250. It’s higher because of the legal fees required for liability claims.

Pet insurance with low excess, high lifetime cover

Free video vet appointments

We’ve got UK vets and behaviourists online 24/7, ready to help with anything.

Fast, fuss-free claims

No forms, printing, or paperwork. We’ve made it easy to
make a claim

Low excess

For each illness or injury you claim for, you’ll only pay £75 per year.

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

Frequently asked questions about pet insurance excess

How does excess work on pet insurance?

Excess on pet insurance works in a similar way to any other insurance excess. When you make a claim for a new condition, you’ll be asked to pay an excess to start a claim.
Insurance companies have excess charges as a way of preventing fraud. They help to prevent false claims.
In turn, we keep our excess charge as low as possible to show our commitment to you that we’ve got your back.
With some insurance, a high excess charge can become a barrier for people wanting to make claims.
We know having a sick pet and making a claim is stressful enough. We keep our excess low so you won’t be put off from claiming.

When do you pay excess on pet insurance?

When you pay excess on pet insurance depends on what agreement you have with your insurer and your vet.
Here at Napo, you never pay excess to us, it always goes to your vet. So when you pay excess will depend on what your vet prefers.
Some vets will ask for the full cost of treatment upfront. In those cases, we’ll refund you the amount you claim for, minus the £75 excess.

How often do I need to pay excess?

With Napo, you only need to pay excess once a year for each new condition you claim for.
For example, if you claim three times for the same condition, you'll only pay the excess once.

How much is pet insurance excess?

There’s no set answer because each pet insurance provider has a different excess charge. In fact, most insurers will have a range of different excess charges that go
from £0 right up to £500
No excess pet insurance, or "0 excess pet insurance", can mean you need to pay somewhere else, like co-payment or higher premiums.
In the case of Napo, we want to keep things simple and stress-free. We offer pet insurance with a low excess that doesn’t change. Your excess will always be £75 for any claims for accidents, injuries, or treatments.
Whether you’re looking for dog insurance with low excess, or cat insurance with low excess, we only have one low excess charge for our pet insurance.
So no matter what policy you have, or what condition you claim for, you’ll only be asked for a £75 excess charge.
Plus, you only need to pay excess once a year for each new condition. So if you need to claim multiple times for the same condition in a year, you only have to pay it once.
The only time we’ll ask you to pay a higher excess charge is for a third party liability claim, which is £250.

What is the average excess on pet insurance?

There’s no easy way to work out an average excess for pet insurance because each provider will have a different charge, and some will even offer several excess options for the same policy.
Your excess charge can also change depending on the age of your pet. It’s pretty confusing, and can be hard to track.
To try and get an idea of what the average excess on pet insurance is, we checked prices for lifetime pet insurance using
All these figures are from November 2022 and come from quotes for a 2 year old Lab living in South East England.
Our search for lifetime pet insurance gave us 130 quotes, with an average excess of £127.53. 
Only 12 quotes provided had an excess charge lower than £100.
During this check, we found that Napo had the cheapest pet insurance excess at £75. We only found one other company with a £75 excess, but their vet fee limits were lower.
Meanwhile, the most expensive excess charge we saw was £250!
Remember, any quotes you’ll be given will depend on the animal you’re insuring, their breed, their age, and where you live. So you might find the costs for your own quotes are different. But one thing that won’t be different is our excess charge.
No matter what Napo policy you pick, or whether you’re insuring a dog or cat, a huge breed or small, it will always be £75 per condition, per year.

Who gets the money from excess?

The money from your excess goes straight to your vet. Napo never recieves the money from excess charges.

Can you get pet insurance with no excess?

You can get pet insurance without excess. It’s sometimes called “no excess pet insurance”, or “0 excess pet insurance”. This is where you won’t have to pay an excess charge when you make a claim. 
However, taking out the excess charge doesn’t always mean the insurance is cheaper.
Policies without excess can have more expensive premiums, meaning you pay more every month. Some zero excess pet insurance requires co-payment instead, which is when you agree an amount to pay towards vet fees.
Because you only pay excess when you claim, it’s important to weigh up the more regular costs of your premium. 
At the moment, Napo doesn’t offer zero excess pet insurance, but our excess is one of the lowest you can get. You also don’t need to pay it on every claim, just once a year for each different condition.

What is variable excess on pet insurance?

Most pet insurance companies offer a fixed excess, which is a set amount you pay when you make a claim. An alternative to this is variable excess, which is calculated as a percentage of your claim rather than a set price.
So if you have pet insurance with variable excess, this means you commit to paying a percentage of your claim. This means you will pay more for more expensive treatments. 10% or 20% is common for variable excess pet insurance.
So if you have a 20% variable excess, you’d pay £40 if you were claiming for £200, but you’d have to pay £400 if you claimed for £2000.

What is percentage excess in pet insurance?

Percentage excess is basically the same as variable excess. Instead of paying a fixed fee for each claim, you’ll pay a percentage of the total cost.
Again, 10% or 20% are common rates of percentage excess on pet insurance.

What is voluntary excess pet insurance?

Voluntary excess is an amount you can choose to pay towards vet fees, on top of your compulsory excess. Paying voluntary excess can sometimes lower your monthly premiums.

Get comprehensive cover with low excess

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