Competitive cover in a simple switch

You can start your comprehensive lifetime cover with Napo today
without any waiting periods
to worry about.
Rated 4.6 · 2696 reviews

We’ve got tails wagging!

Fast fuss-free claims

Our simple claims process is quick, easy and all online. Read how to claim here.

Free vet video calls

Unlimited 24/7 video calls with UK vets and behaviourists. So you can always get expert help.

Low excess

We have a low standard excess charge of £99 per condition, per year. No matter your policy.

Comprehensive cover

Protect your pet's health with vet fee cover from £4k to £16k.

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 customers think about Napo

Rated 4.6 · 2696 reviews

Make the switch in just 3 steps

Get your quote

It’s all online and won’t take longer than 5 mins

Pick your cover

Our policies range from £4k to £16k

Claim in minutes

You'll be insured today with no waiting period

Frequently asked questions

Why is Napo different?

We don’t want to make money by wriggling out of claims. Instead, we want to prevent vet bills in the first place by giving you free access to some of the best pet care services, so that your pet stays happy and healthy. In fact, we’re so confident, we offer a comprehensive policy and a low £99 excess you only pay once a year, per condition claimed.

Can Napo pay my vet directly?

Yes. We can pay you or the vets, whichever you prefer. If you want us to pay your vets directly, it's up to the vet practice whether they would be happy to do this.

Does your insurance cover pre existing conditions?

Sadly, we can not cover any pre-existing conditions your pet’s had in the last 24 months.
If your pet hasn’t had signs or symptoms, treatment, medication, or advice for the condition in the last 24 months, we can cover it!

Can I speak to someone over the phone?

Yes, you can chat with us over the phone using our callback service. To book a call, tell us what you'd like to talk about in a chat or email to us. So we can help you as best we can on the call, please give as much detail about your query as you can in your message. Then one of our customer champions will send you a calendar where you can book a call at a time that suits you. 😊
We don’t have an inbound phone line. So if you want to chat with us over the phone, please book a callback.
Just a heads up, we can not make any changes to payments or Direct Debits over the phone.
But, the quickest and easiest way to speak to us is through our chat. Customer champions are available 10am-5:30pm on weekdays. 💬

Does Napo do multipet discounts?

Yes, Napo offers multipet discount of 15% when you insure more than one pet with us. To get your multipet discount, just get a quote and add another pet during the quote.
If you’re already a customer and want to add another pet, please contact us.

How can the excess be only £99 per year?

High excesses make claiming difficult and stressful. Insurers set them high to avoid paying up. We want to make claiming as stress-free as possible.
We don’t need to wriggle out of paying when you need us the most. The low £99 excess is our proof to you that we mean it.
We know claiming always comes at tough times, and think our free pet services will help you to prevent the need to claim in the first place.

How does Napo make money?

We earn a commission from your monthly payments, which we use to fund our free pet services and pay our small team. The rest of your payments are pooled and used to pay out claims.
If the amount we’ve got pooled is ever less than the amount we need to pay out in claims, don’t worry. We’ve got what’s called an ‘underwriter’ who will keep paying out claims so we’ll never go back on our word in our policy.

How often does Napo reject claims?

We just launched in October 2021, so we haven’t got an approval rate to share yet. What we can say is that we’ll always pay your claim if it’s covered in our generous policy.
Remember, we’re not here to wriggle out of paying when you need us the most. We’re here to help keep your pet happy and healthy in the first place.