Napo Lifetime Plus pet insurance
We get pets. And you get comprehensive insurance – for life – from people who really care.
- Up to £16,000 of lifetime cover
- Low £99 excess, per condition per year, as standard
- Multi award-winning insurer providing exceptional customer service
Rated 4.6 · 3687 reviews
Trusted by our customers, endorsed by experts
* We mean pets we insure, not that they’re on a special mission.
Why Napo? Because we’re ‘Excellent’
Rated 4.6 · 3687 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
What’s included with Napo Lifetime Plus pet insurance?
Going above and beyond basic insurance, our package is packed with comprehensive benefits and support:
High quality cover for your pet:
Accidents, hospitalisation, emergencies
We’ve got them covered for accidental injuries, including occasional swallowing of non-food objects (though tasty at the time!)
Teeth
Although we’re not covering tooth whitening yet (working on it!), dental treatments for illness and accidents are included
Illness, diagnostics, medicines
Tests, operations, hospital stays, prescriptions. When we say we cover vet treatment, we mean it. It’s so important for breeds prone to genetic conditions
Therapeutic treatments (yes really!)
If they’ve been prescribed acupuncture, hydrotherapy or physio for aches and pains, they can have it
Missing or stolen
We’ll cover advertising costs and contribute to award money or compensation for loss
Harm to others
We include ‘third party liability’, for most breeds. It’s needed if your dog injures someone or causes damage and a claim is made against you
Helpful everyday support for you:
Online vet advice at any time of day
If something’s bothering you about your pet’s health, speak to vets at any time of day or night as often as you need to
Expert consultations for tricky habits
Is your pet scratching too much? Are the neighbours complaining about barking? Get behaviourist referrals covered at no extra cost
Fast, convenient claims
Our UK-based claims team work to pick up your claim and get it approved as quickly as possible, with payouts direct to vets
Predictable costs
A low £99 excess per condition per policy year, and no co-pay until your pet’s nine years old, so you have clarity on vet bill cover
We only offer lifetime cover, so look no further than Napo
It's tempting to compare Napo's lifetime cover with cheaper policies, and it's possible that those may suit you and your pet.
But if your pet is a breed that's prone to genetic conditions, or they get ill, or there's an emergency, Napo Lifetime Plus gives you the comprehensive insurance you need.
And as long as you renew, it will last the whole life of your pet, which is especially important as they get older.
How Napo Lifetime Plus insurance works
Cover to suit your budget
1. Choose the total amount you can claim for vet bills each policy year. The options are:
Up to £4,000 | Up to £8,000 | Up to £12,000 | Even up to £16,000.
2. That’s it! Napo has a fixed excess of £99 per condition per policy year.
3. If your pet is younger than 9 years old, there are no copay requirements.
Claiming is easy, fast and stress-free
We automate a lot of the mundane work, so that our support teams can focus on helping you and your pet.
1. Get in touch with us
2. We'll pick up your claim straight away
3. Low fixed excess of £99 per condition per policy year
4. We can pay the vet directly
Getting advice is convenient, and all part the Napo 6-star service
Call the free vet helpline or use our vet app at any time day or night to get the advice you need.
You can also get support from an animal behaviour expert who can help with tricky behaviours, no matter how bewildering or embarrassing.
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.
