Pet insurance with holiday cover as standard
Napo offers pet insurance with travel cover, so your pets are protected at home and on holiday in the EU.
Rated 4.6 · 3645 reviews
We've got tails wagging!
As well as pet travel cover you get…
Free vet video calls
Unlimited 24/7 video calls with UK vets and behaviourists. So you can always get expert help.
Fast fuss-free claims
Our simple claims process is quick, easy and all online. Read how to claim here.
Low excess
We have a low standard excess charge of £99 per condition, per year. No matter your policy.
Can I use Napo pet insurance abroad?
Yes, you can use your Napo pet insurance when travelling within the EU. You’ll have cover of up to £1000 to £2000 a year which can be used on all sorts from emergency vet fees, to changing your travel if your pet goes missing or needs life-saving treatment.
Everything our pet insurance covers when you’re abroad is outlined in our policy document.
Unfortunately, we don’t cover pets when they’re outside of the UK or the EU. We hope we can one day be able to cover your pets wherever your travels take you!
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 (but these breeds aren't covered).
What customers think about Napo
Rated 4.6 · 3645 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
Frequently asked questions
Can you use pet insurance abroad?
Whether you can use your pet insurancce abroad depends on your provider and your policy. Not all pet insurance can be used outside the UK. And even pet insurance that covers you whilst your abroad can have limits on the countries it’s valid in, or the amount of vet fees you can claim.
All Napo policies will give you cover when you and your pet are abroad in an EU country. You’ll get emergency vet fee cover when you’re away from the UK. The amount you can claim will depend on your policy
We can only cover your pets while travelling or staying in the EU temporarily.
Can I use my pet insurance if I’m living abroad?
If you want to have comprehensive pet insurance when living abroad, it’s best to purchase insurance with a provider that covers that country.
For example, Napo currently only offers year-round cover for UK pets. As part of our pet insurance policies, we do offer cat or dog travel cover. But this is for when you and your furry friends are on holiday in the EU, not living abroad. We can not cover claims where a pet has spent 90 consecutive days, or over 180 days overall in a year, outside of the UK.
One day, we hope we can launch our cover in other countries. But for now, your pet will only have year-round lifetime cover with us when they’re living in the UK. We can cover you for holidays, but not living abroad.
Can pet insurance be used anywhere?
No, pet insurance unfortunately can’t be used anywhere. Different countries have different rules, regulations, and laws so it can be tricky to offer cover in multiple areas on the same policy.
Napo does offer comprehensive insurance for UK pets. This includes some travel and holiday cover for when you're travelling abroad with your pet within the EU. But it does not cover long stays of 90+ days, or if you relocate abroad.
Does travel insurance cover pets?
No, human travel insurance or holiday insurance doesn’t usually cover pets. That’s what pet insurance is for!
Depending on the pet insurance you buy, you could get some cover for your furry friend when you’re away from the UK.
In the case of Napo, you'll have some cat travel insurance or dog travel insurance with whatever policy you have. We’ll cover you for things like emergency vet fees if your pet is sick on holiday, or help to cover the cost of a rearranged flight home if your pet goes missing.
You can see exactly what we cover you for in our policy document.
How does pet travel insurance work?
Your Napo pet insurance will cover you for all sorts of accidents, injuries, and mishaps that might happen while you and your pet are abroad. We can cover emergency vet fees if your pet is sick on holiday. We can help you with unexpected accommodation costs for you and your pet if you miss your travel home because your pet was sick, or because they were lost or stolen. We can even help towards the cost of unused travel and accommodation if you cancel a holiday or cut it short because your pet needs life-saving treatment.
The amount of cover you have while travelling outside the UK depends on your policy. However, we can only cover you and your pet if you’re travelling within the EU. You find out more in our policy document.
What is the average pet travel insurance cost?
If you're insured with Napo, your travel cover comes at no extra cost. It is a standard as part of your Napo cat insurance policy or dog insurance policy. That means you don't have to pay extra for travel cover, you already get it as part of our comprehensive insurance.
Do pets need insurance to fly?
No, your pet doesn’t need insurance to fly. But many countries need documents about your pet’s health, vaccination status, and insurance to allow them entry into the country.
What you need to be allowed to travel with your pet depends on the country you are visiting. To find out more, check out the travelling abroad with pets info by the UK Government.
If you are looking for pet insurance for air travel that covers your pet in the case of accidents or incidents while travelling on a plane, please check your policy document. And if in doubt, contact your insurance provider.