Introducing Napo Lifetime Plus pet insurance

Protect yourself from vet bills, and enjoy an easier and happier life with your pet.
  • Up to £16,000 of lifetime cover
  • Low £99 excess, per condition per year, as standard
  • Six-star service ⭐️⭐️⭐️⭐️⭐️⭐️

Trusted by our customers, endorsed by experts

* We mean pets we insure, not that they’re on a special mission.

What’s included with Napo Lifetime Plus pet insurance?

Going above and beyond basic insurance, our package is packed with comprehensive benefits and support:

High quality cover for your pet:

Accidents

Hospitalisation

Emergencies

Problems with teeth

Illness

Therapeutic treatments (yes really!)

Medicines

Missing or stolen

Helpful everyday support for you:

Online vet advice at any time of day

Expert consultations for tricky habits

Callback service to suit your schedule

Fast, convenient claims

Only the best for your best friend, for life

Napo only offers comprehensive lifetime pet insurance, never accident-only or time-limited policies – those could be too basic for your pet’s needs! As long as you renew, lifetime insurance can last the whole life of your pet, especially important as they get older. 

Why choose Napo Lifetime Plus pet insurance?

We’re here to help with the unexpected parts of owning a pet, so that you can go back to what it’s all about – having a great time together (and spoiling them too…).

Included in your policy as standard:

For your pet

Accidents

We’ve got them covered for accidental injuries, including  the occasional swallowing of non-food objects (tasty though at the time!)

Illness

Tests, operations, hospital stays, prescriptions. When we say we cover vet treatment, we mean it. So important for breeds prone to genetic conditions!

Teeth

Although we’re not covering tooth whitening yet (working on it!), dental treatments for illness or accidents are included.

Therapeutic treatments

If they’ve been prescribed acupuncture or physio for aches and pains, they can have it!

For you

Predictable costs

A low £99 excess per condition per policy year, giving you clarity on your contributions towards vet bills.

Advice on health issues

If something’s bothering you about your pet’s health, speak to vets at any time of day or night as often as you need to.

Tricky habits

Is your pet scratching too much? Are the neighbours complaining about barking? Get help from a behaviourist at no extra cost.

Your own health

If you need to stay in hospital and have no one to look after your pet, we’ll cover the costs of boarding.

In an emergency

Travel

If your pet needs to see a vet when you’re visiting countries in the EU, or if you have to delay or cancel plans because they’re ill, we’re here for that.

Lost/stolen

We’ll cover advertising costs and contribute to award money or compensation for loss.

Harm to others

If your dog injures someone or causes damage and a claim is made against you, 'third party liability' would usually be part of the policy (unless it's a dog breed known to be high risk).

We only offer lifetime cover, so look no further than Napo

It's tempting to compare Napo's lifetime cover with cheaper policies, and it's possible that those may suit you and your pet. But if your pet is a breed that's prone to genetic conditions, or they get ill, or there's an emergency, lifetime is the most comprehensive insurance you can choose. And as long as you renew, it can last the whole life of your pet, especially important as they get older.

How Napo Lifetime Plus insurance works

Cover to suit your budget

1. Choose the total amount you can claim for vet bills each policy year. The options are:
Up to £4,000 | Up to £8,000 | Up to £12,000 | Even up to £16,000.
2. That’s it! Napo has a fixed excess of £99 per condition per policy year.
3. If your pet is younger than 9 years old, there are no copay requirements.

Claiming is easy, fast and stress-free

We automate a lot of the mundane work, so that our support teams can focus on helping you and your pet.
1. Get in touch with us
2. We'll process your claim in no time at all
3. Low fixed excess of £99 per condition per policy year
4. We can pay the vet directly

Getting advice is convenient, and all part the Napo 6-star service

Call the free vet helpline or use our vet app at any time day or night to get the advice you need.
You can also get support from an animal behaviour expert who can help with tricky behaviours, no matter how bewildering or embarrassing.

Let’s hear it from our customers

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A note from Napo, our real founder

Hello there, I’m Napoleon — but everyone called me Napo. I was a small Dachshund with a big personality, and I’m the reason this company even exists today. My owner, JP (the human founder of Napo), loved me so much that when we had to say goodbye, he dedicated his company to me.
Napo isn’t just pet insurance, it’s a service that helps pet parents with advice and tools to keep pets happy, healthy, and safe. It’s JP’s way of making sure every pet gets the love and care I was lucky to have from him.