Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, behavioural support and more.
Who are you insuring?
Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, behavioural support and more.
Who are you insuring?
Excellent
Turns out pet insurance can be excellent.
Get lifetime cover worth up to £16,000 per year for health, behavioural support and more.
Who are you insuring?
What is Napo pet insurance?
Napo is a UK pet insurance provider offering lifetime cover for dogs and cats.
Cover tiers range from £2,000 to £16,000 per year, including dental treatment, 24/7 vet consultations via the FirstVet app, and direct payment to vets. Rated Defaqto 5-star, Excellent on Trustpilot, and Which? Best Buy for dog insurance.
95% claim acceptance rate*
Most claims are closed within 5 days*, so you can focus on taking care of your pet.
Direct vet payments
We can pay your vet directly on eligible claims, so there's less to deal with at a stressful time.
Lifetime cover
Including new long-term and chronic conditions, for as long as your policy stays active.
24/7 online vet access
Access to free FirstVet video calls for help on demand, whenever you need it.
What is Napo pet insurance?
Napo is a UK pet insurance provider offering lifetime cover for dogs and cats.
Cover tiers range from £2,000 to £16,000 per year, including dental treatment, 24/7 vet consultations via the FirstVet app, and direct payment to vets. Rated Defaqto 5-star, Excellent on Trustpilot, and Which? Best Buy for dog insurance.
95% claim acceptance rate*
Most claims are closed within 5 days*, so you can focus on taking care of your pet.
Direct vet payments
We can pay your vet directly on eligible claims, so there's less to deal with at a stressful time.
Lifetime cover
Including new long-term and chronic conditions, for as long as your policy stays active.
24/7 online vet access
Access to free FirstVet video calls for help on demand, whenever you need it.
What is Napo pet insurance?
Napo is a UK pet insurance provider offering lifetime cover for dogs and cats.
Cover tiers range from £2,000 to £16,000 per year, including dental treatment, 24/7 vet consultations via the FirstVet app, and direct payment to vets. Rated Defaqto 5-star, Excellent on Trustpilot, and Which? Best Buy for dog insurance.
95% claim acceptance rate*
Most claims are closed within 5 days*, so you can focus on taking care of your pet.
Direct vet payments
We can pay your vet directly on eligible claims, so there's less to deal with at a stressful time.
Lifetime cover
Including new long-term and chronic conditions, for as long as your policy stays active.
24/7 online vet access
Access to free FirstVet video calls for help on demand, whenever you need it.
Excellent
Don’t just take our word for it
Join over 100,000 pet parents who’ve trusted us to care for the hairiest members of their household
Excellent
Don’t just take our word for it
Join over 100,000 pet parents who’ve trusted us to care for the hairiest members of their household
Excellent
Don’t just take our word for it
Join over 100,000 pet parents who’ve trusted us to care for the hairiest members of their household
What does Napo lifetime cover include?
You pay £99 excess per condition, per year. We’ll take care of the rest.
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation, we’ve got you.
Accidents
Oops moments, covered. Those unexpected vet bills don’t have to sting!
Emergency surgery
Some things can’t wait. We always prioritise emergency claims for urgent care.
Diagnostic tests
Cover for X-rays, MRI scans, blood tests and other tests prescribed by vets.
What does Napo lifetime cover include?
You pay £99 excess per condition, per year. We’ll take care of the rest.
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation, we’ve got you.
Accidents
Oops moments, covered. Those unexpected vet bills don’t have to sting!
Emergency surgery
Some things can’t wait. We always prioritise emergency claims for urgent care.
Diagnostic tests
Cover for X-rays, MRI scans, blood tests and other tests prescribed by vets.
What does Napo lifetime cover include?
You pay £99 excess per condition, per year. We’ll take care of the rest.
Essentials
Wellbeing
Protection
New illnesses
From diagnostics to treatments and hospitalisation, we’ve got you.
Accidents
Oops moments, covered. Those unexpected vet bills don’t have to sting!
Emergency surgery
Some things can’t wait. We always prioritise emergency claims for urgent care.
Diagnostic tests
Cover for X-rays, MRI scans, blood tests and other tests prescribed by vets.
Award-winning claims support when you need it most
Award-winning claims support when you need it most
When the unexpected happens, admin is the last thing you want to worry about. Behind Napo’s award-winning claims team are real people who move fast, act fairly and genuinely care about supporting you through a difficult time.
We approve 95% of claims*, with most closed within 5 days** so you can focus on what matters - taking care of your pet.
When the unexpected happens, admin is the last thing you want to worry about. Behind Napo’s award-winning claims team are real people who move fast, act fairly and genuinely care about supporting you through a difficult time.
We approve 95% of claims*, with most closed within 5 days** so you can focus on what matters - taking care of your pet.
Real customer stories
Real customer stories
Every claim tells a story. Here’s what lifetime cover with Napo really looks like.
Every claim tells a story. Here’s what lifetime cover with Napo really looks like.
Piper's story:
£1,616 emergency surgery fee: paid in under 2 hours
Emergency claim: Less than 24 hours
Surgery cost: £1,616
Payment handled in 2 hours
Piper's story:
£1,616 emergency surgery fee: paid in under 2 hours
Emergency claim: Less than 24 hours
Surgery cost: £1,616
Payment handled in 2 hours
Nuggy's story:
£4,649 in allergy treatment: all 16 claims covered
Testing, diagnosis & therapy covered
Total cost: £4,649.63
Payment handled same-day
Nuggy's story:
£4,649 in allergy treatment: all 16 claims covered
Testing, diagnosis & therapy covered
Total cost: £4,649.63
Payment handled same-day
Mocca's story:
£16,000 covered: from diagnostics to recovery
Claim paid: £3,693
Total covered: £16,000
Mocca's story:
£16,000 covered: from diagnostics to recovery
Claim paid: £3,693
Total covered: £16,000
24/7 online vet access
A vet in your pocket. Napo lifetime cover includes a free FirstVet subscription for expert advice on demand. Help is just a video call away.
24/7 online vet access
A vet in your pocket. Napo lifetime cover includes a free FirstVet subscription for expert advice on demand. Help is just a video call away.
24/7 online vet access
A vet in your pocket. Napo lifetime cover includes a free FirstVet subscription for expert advice on demand. Help is just a video call away.
Cover levels for every budget
Cover levels for every budget
Choose the right limit to care for your pet’s potential needs and protect your savings
Choose the right limit to care for your pet’s potential needs and protect your savings
Most popular
What’s included
in each cover level
Dental work
Physio and other holistic therapies
Behavioural treatment
24/7 FirstVet video appointments
Most popular
£2,000
vet fees per year
£1,000
£250
£250
Always free!
£2,000
vet fees per year
Most popular
£4,000
vet fees per year
£2,000
£500
£500
Always free!
£4,000
vet fees per year
Most popular
£8,000
vet fees per year
£2,000
£1,000
£1,000
Always free!
Most popular
£8,000
vet fees per year
Dental work
£2,000
Physio and other holistic therapies
£1,000
Behavioural treatment
£1,000
24/7 FirstVet video appointments
Always free!
Most popular
£12,000
vet fees per year
£2,000
£1,500
£1,500
Always free!
£12,000
vet fees per year
Most popular
£16,000
vet fees per year
£2,000
£2,000
£2,000
Always free!
£16,000
vet fees per year
Napo pet insurance FAQs
Napo pet insurance FAQs
Everything you need to know about keeping your dog or cat healthy and happy with Napo lifetime cover.
Everything you need to know about keeping your dog or cat healthy and happy with Napo lifetime cover.
What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.
You also get free, unlimited access to expert vet advice via the FirstVet app, 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.
Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!
What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.
You also get free, unlimited access to expert vet advice via the FirstVet app, 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.
Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!
Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.
We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.
Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.
We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.
Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.
Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.
Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.
Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.
Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine or preventative dental health treatment such as descaling, polishing and cleaning teeth, even if recommended by your vet.
Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine or preventative dental health treatment such as descaling, polishing and cleaning teeth, even if recommended by your vet.
How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.
At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.
When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.
We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment whilst insured with us, no matter your pet’s age.
How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.
At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.
When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.
We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment whilst insured with us, no matter your pet’s age.
Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.
Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.
How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.
How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.
Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.
You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.
Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.
You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.
A note from Napo, our original founder
A note from Napo, our original founder
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙
