Your vet bills covered, for life
Experience fast claims, direct vet payments, and support for the long haul.
Pet insurance made by pet people.
Rated 4.6
Chosen by thousands of pet parents
And the proof is in our fast, hassle-free claims and payouts. So you’re never left waiting when it matters most.
Rated 4.6
My experience with Napo at this emotional time ( our 20 mth old french bulldog sadly passed away) was outstanding. The lady I spoke to ( Fiona ) was kind understanding and let me take my time and she showed compassion and empathy while dealing with my claim. She helped me and explained what would happen at every stage and made what is an upsetting situation just that little bit easier.
Andrew Castle
We have been pet owners for nearly 40 years and in that time encountered several pet insurance companies but Napo is by far the best , the online forms and portal are easy to navigate and communication from Napo is outstanding. We have made a claim, were updated at each stage and settlement was very quick. We would have no hesitation in recommending Napo and would not go anywhere else for pet insurance. A truly first class service
Kim
Overall an excellent experience in claiming for the treatment my dog Lola required after being bitten by another dog.
Completing the on line claim form was straightforward
Requests for additional information were realistic and clearly explained
Communication was friendly and made me feel a valued customer whose dog you cared about
Updates on the progress of my claim were helpful and timely.
Kate Livock
Very happy with the so far having switched from another provider. Unfortunately due to a pad paw wound I had to claim very early into my policy and my vet put through the claim using the portal. Claim settled within a week and really loved the kind and compassionate emails I received from Napo through the process. Would highly recommend, thank you 🙏🐶
Beth Hufford
Napo responded to my claim in a reasonable timescale and were on hand to answer any questions I had. Although you don’t speak to anyone over the phone it was easy enough to get sorted.
Melissa Bentley
I would like too Thank Fiona for her kindness , her hard work on regular communication, with me during an extremely difficult time , my precious dog had to be euthanized, but Fiona worked her best to support me throughout over several weeks ,
with excellent customer service skills & politeness throughout.Thank you Fiona you was a star ...Catherine Forsyth.
Catherine Forsyth
This is new and improved pet insurance
Our Customer Champions are multi-award-winning.
Most recently, Insurance Times 2025 Claims Team of the Year
What’s the deal with lifetime cover?
At Napo we believe in keeping your pets happy and healthy for as long as they’re with you! So our policies keep them covered for the same conditions year after year, no matter what you claim for.
We’ve got your back for life.
What’s covered? Everything your pet needs
From emergencies to everyday care, your Napo policy includes all the following areas of cover. No surprises in the small print.
Emergencies and illness
✓ Full cover for accidents, hospitalisation, and surgery
✓ Tests, diagnostics, and prescription medicines included
✓ Direct payments to your vet saving you those upfront costs
Everyday support
✓ Access to vets 24/7 with a free FirstVet subscription
✓ Low, fixed £99 excess per condition per year
✓ Choice of annual cover limit up to £16,000
Beyond vet bills
✓ Travel cover for healthcare within the EU
✓ Behavioural support from experts and therapeutic treatments
✓ No co-pay required for pets under 9 years old
Liability and protection
✓ Third-party liability cover for injuries or damage. See breed exclusions
✓ Health and behaviour cover for over 650 breeds
✓ Advertising and reward if your pet is lost or stolen
Dental included. No gaps!
Every Napo policy includes dental cover for accidents and illness to keep your pet healthy.We include treatments like veterinary scale and polish, and extractions, but only when recommended by your vet for a health related condition.
Routine cleanings for maintenance or cosmetic reasons aren’t covered. To keep your dental cover valid, your pet must have a dental check‑up at least once every 12 months. Full info and terms in our Help Centre.
"Amazing support and service. Our vet did a direct claim on our behalf as our dog has been diagnosed with cruciate ligament disease. The claim was settled the following day. Highly recommend Napo"
Claire
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.
Your go-to guide for caring with confidence
Practical tips and trusted guidance to keep your pet happy, healthy, and protected through every stage of life.
How much do vet bills cost? What you need to know
How much do vet bills cost? What you need to know
Although a balanced diet and regular exercise should help to minimise your pet’s trips to the vet, accidents still happen. Unexpected vet bills can cost hundreds to tens of thousands of pounds, so pet insurance provides peace of mind should your pet need emergency treatment.
Blog
11 important ways to take good care of your pet
11 important ways to take good care of your pet
Feeding your pet a healthy diet, vaccinating them, providing regular antiparasitic treatment, and attending routine health and dental checks are important to keep your pet healthy and spot any problems early. Preventative health care like this also tends to be much cheaper than treatment.
If your pet is injured or unwell, pet insurance will cover the cost of vet bills. Failing to keep up with annual health checks and vaccinations, however, may affect your ability to claim.
Blog
How to keep your pet’s teeth healthy
How to keep your pet’s teeth healthy
87% of dogs and 70% of cats suffer from dental disease at some point, and treatment without insurance can be expensive. Preventative dental care is therefore very important.
Taking your pet for annual dental checkups will help you stay on top of their oral hygiene. You should also brush their teeth at least twice a week. Dental chews can help, but should be given in moderation. A healthy, low-sugar diet will also help your pet's teeth and gums to stay healthy and strong.
Blog
Frequently Asked Questions
Why is Napo different?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive policy covers all your pet’s needs, with a straightforward £99 excess per condition each year.
But we don’t stop at insurance. You get free, unlimited access to expert vet advice and health support tools 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.
With Napo, you receive real support from quote to claim, at every stage of your pet’s life.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
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.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
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.