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 · 2731 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 · 2731 reviews
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
Rebecca little
Decided to try Napo to insure my first dog!.. Early days but off to a perfect start with issues regarding alterations to my policy. Thankyou!
Mrs Katherine Blair
I had some problems when was signing up my pets. I spoke to the online customer service. The person was so friendly and patient. would asked me to see if the work he/she did was helpful. I felt very pleased.
shu
I was a little skeptical to insure my dogs with a new Company, however I am so pleased that I did. My dog encountered a problem which Napo dealt with in a very professional and efficient manner, always being extremely courteous and answering mail and questions very quickly, therefore I have no hesitation in recommending them, indeed I already have to two of my Canine Friends,.
Mrs J Gittins'Pop
Really good value for great level of cover, also like that you have access to an online vet 24/7 at no additional cost or detriment to your policy. So far so good.
Kirsty Ogden
Right, So when I took my policy out there was no reviews about claims so here is mine. My Mini Dachshund managed to hoover up some raisins in the woods on our walk. It looked like somebody had scattered trail mix on the floor and raisins being blended in with the mud I didn't see them! (Which is annoying when you do everything you can to make sure your dog is safe and well). Instantly googled for advice and called my vet who wanted him in within the hour for a sickness injection, they also gave him some activated charcoal and advised bloods in a couple of days. Obviously I agreed as I just wanted to make sure he was OK! The next day I put my claim in and heard back instantly saying they would request my vet notes. Annoyingly it took my vets over two weeks to send these but that is no fault of Napo. However what was excellent was during these two weeks I was emailed every two days and although there was no progress from my vet I was still informed. Finally my vets sent what they needed to, on 10th March I was notified Napo would now work on my claim. Today (25th March) I've woken up to my money back. I honestly couldn't fault the service especially being kept in the loop every two days when there was no progress from my vet. Much better than just submitting a claim and hearing nothing then having to chase it up myself. I gave 4 stars because I am unsure if my policy quote will rise next year with now claiming, time will tell, I will update on this when the time comes but incase anybody else is out there searching all corners of the Internet for decent pet insurance company! Definitely reccomend taking a policy out.
Emma
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.