Save 5% with multi-pet discount.
Save 5% with multi-pet discount.
Save 5% with multi-pet discount.
Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything lifetime cover your VIP deserves.
It only takes 3 minutes
Excellent
Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything lifetime cover your VIP deserves.
It only takes 3 minutes
Excellent
Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything lifetime cover your VIP deserves.
It only takes 3 minutes
Excellent
Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything lifetime cover your VIP deserves.
It only takes 3 minutes
Excellent
Suuuper- comprehensive insurance for VERY important pets.
Meet the does-everything lifetime cover your VIP deserves.
It only takes 3 minutes
Excellent
Choose your level of cover.
Pick the right level based on your dog’s needs.
Unlimited expert video calls
Ward off the worry with UK vets and behaviourists, on tap, for free, 24/7.
Fast + simple online claims
Let’s save the fuss for your pet. Read about our suuuper-quick process here.
Low excess charge
Save your cash for spoiling with just £99 excess per condition per year, as standard.
Choose your level of cover.
Pick the right level based on your dog’s needs.
Unlimited expert video calls
Ward off the worry with UK vets and behaviourists, on tap, for free, 24/7.
Fast + simple online claims
Let’s save the fuss for your pet. Read about our suuuper-quick process here.
Low excess charge
Save your cash for spoiling with just £99 excess per condition per year, as standard.
Choose your level of cover.
Pick the right level based on your dog’s needs.
Unlimited expert video calls
Ward off the worry with UK vets and behaviourists, on tap, for free, 24/7.
Fast + simple online claims
Let’s save the fuss for your pet. Read about our suuuper-quick process here.
Low excess charge
Save your cash for spoiling with just £99 excess per condition per year, as standard.
Expect extra (as standard)
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
New illnesses
Tests, surgeries, hospitalisation, medication… when we say we cover vet treatment, we mean it. (And naturally, it’s only the best.)
Dental work
Not many insurers cover dental as standard, but we do. Yes, even tartar removal and extractions to protect that smile.
Complementary treatment
It’s a pretty extra ‘extra’, but hey, they’re worth it. From muscular physio to treating stiffness, aches and pains, we’re here to help.
Behavioural treatment
In need of a helping paw? Our expert trainers can stop bad habits like excessive grooming or reduce anxiety when you’re not there.
Travel and holidays
Yes, your jet-setting pets are covered in case they need a vet abroad or if they unexpectedly cause you to extend or abandon your trip.
Emergency boarding
Emergency boardingWe cover kennel or cattery costs if you go to the hospital and can’t take care of them, so you know they’re safe.
Finding a missing pet
If your pet goes missing, we’ll pay advertising costs and rewards to help you find them as soon as you can.
Third party liability
If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).
Expect extra (as standard)
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
New illnesses
Tests, surgeries, hospitalisation, medication… when we say we cover vet treatment, we mean it. (And naturally, it’s only the best.)
Dental work
Not many insurers cover dental as standard, but we do. Yes, even tartar removal and extractions to protect that smile.
Complementary treatment
It’s a pretty extra ‘extra’, but hey, they’re worth it. From muscular physio to treating stiffness, aches and pains, we’re here to help.
Behavioural treatment
In need of a helping paw? Our expert trainers can stop bad habits like excessive grooming or reduce anxiety when you’re not there.
Travel and holidays
Yes, your jet-setting pets are covered in case they need a vet abroad or if they unexpectedly cause you to extend or abandon your trip.
Emergency boarding
Emergency boardingWe cover kennel or cattery costs if you go to the hospital and can’t take care of them, so you know they’re safe.
Finding a missing pet
If your pet goes missing, we’ll pay advertising costs and rewards to help you find them as soon as you can.
Third party liability
If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).
Expect extra (as standard)
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
New illnesses
Tests, surgeries, hospitalisation, medication… when we say we cover vet treatment, we mean it. (And naturally, it’s only the best.)
Dental work
Not many insurers cover dental as standard, but we do. Yes, even tartar removal and extractions to protect that smile.
Complementary treatment
It’s a pretty extra ‘extra’, but hey, they’re worth it. From muscular physio to treating stiffness, aches and pains, we’re here to help.
Behavioural treatment
In need of a helping paw? Our expert trainers can stop bad habits like excessive grooming or reduce anxiety when you’re not there.
Travel and holidays
Yes, your jet-setting pets are covered in case they need a vet abroad or if they unexpectedly cause you to extend or abandon your trip.
Emergency boarding
Emergency boardingWe cover kennel or cattery costs if you go to the hospital and can’t take care of them, so you know they’re safe.
Finding a missing pet
If your pet goes missing, we’ll pay advertising costs and rewards to help you find them as soon as you can.
Third party liability
If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).
Expect extra (as standard)
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
New illnesses
Tests, surgeries, hospitalisation, medication… when we say we cover vet treatment, we mean it. (And naturally, it’s only the best.)
Dental work
Not many insurers cover dental as standard, but we do. Yes, even tartar removal and extractions to protect that smile.
Complementary treatment
It’s a pretty extra ‘extra’, but hey, they’re worth it. From muscular physio to treating stiffness, aches and pains, we’re here to help.
Behavioural treatment
In need of a helping paw? Our expert trainers can stop bad habits like excessive grooming or reduce anxiety when you’re not there.
Travel and holidays
Yes, your jet-setting pets are covered in case they need a vet abroad or if they unexpectedly cause you to extend or abandon your trip.
Emergency boarding
Emergency boardingWe cover kennel or cattery costs if you go to the hospital and can’t take care of them, so you know they’re safe.
Finding a missing pet
If your pet goes missing, we’ll pay advertising costs and rewards to help you find them as soon as you can.
Third party liability
If your dog injures someone or damages property and a claim is made against you (but these breeds aren't covered).
We're not in it for glowing reviews
(but it's still kinda nice)
“
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
RL
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!
KB
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. I felt very pleased.
SH
shu
“
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.
KO
Kirsty Ogden
We're not in it for glowing reviews
(but it's still kinda nice)
“
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
RL
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!
KB
Mrs Katherine Blair
“
Thanks to Napo Coco was able to have her soft palate widened. This has been so successful and Napo paid out straight away. I shall be staying with them for all of Coco's life.
BA
shu
“
Megan offered consistency reassurance and went above and beyond for us today. Thank you for doing everything possible to help our boy.
SL
SLT
We're not in it for glowing reviews
(but it's still kinda nice)
“
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
RL
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!
KB
Mrs Katherine Blair
“
Thanks to Napo Coco was able to have her soft palate widened. This has been so successful and Napo paid out straight away. I shall be staying with them for all of Coco's life.
BA
shu
“
Megan offered consistency reassurance and went above and beyond for us today. Thank you for doing everything possible to help our boy.
SL
SLT
We're not in it for glowing reviews
(but it's still kinda nice)
“
Deniz was incredible with my claim! Her follow up is better than some huge financial companies. Very impressed!
RL
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!
KB
Mrs Katherine Blair
“
Thanks to Napo Coco was able to have her soft palate widened. This has been so successful and Napo paid out straight away. I shall be staying with them for all of Coco's life.
BA
shu
“
Megan offered consistency reassurance and went above and beyond for us today. Thank you for doing everything possible to help our boy.
SL
SLT
Some of our happy customers
Frequently asked questions
Why is Napo different?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive policy covers all your pet’s needs, with a straightforward £99 excess per condition each year.
But we don’t stop at insurance. You get free, unlimited access to expert vet advice and health support tools 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.
With Napo, you receive real support from quote to claim, at every stage of your pet’s life.
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.
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 5% multipet discount 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.
Will my policy price increase if I claim?
Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth... Pet insurance policies, including Napo’s, go up each year as your pet gets older and less healthy. When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
Do you pay the vet directly or reimburse me?
Whichever you prefer. We can pay claims out directly to you or to the vet, as long as they are set up with us. Many customers prefer for us to pay the vets directly so they don’t have to cover the upfront costs.
Frequently asked questions
Why is Napo different?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive policy covers all your pet’s needs, with a straightforward £99 excess per condition each year.
But we don’t stop at insurance. You get free, unlimited access to expert vet advice and health support tools 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.
With Napo, you receive real support from quote to claim, at every stage of your pet’s life.
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.
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 5% multipet discount 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.
Will my policy price increase if I claim?
Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth... Pet insurance policies, including Napo’s, go up each year as your pet gets older and less healthy. When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
Do you pay the vet directly or reimburse me?
Whichever you prefer. We can pay claims out directly to you or to the vet, as long as they are set up with us. Many customers prefer for us to pay the vets directly so they don’t have to cover the upfront costs.
Frequently asked questions
Why is Napo different?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive policy covers all your pet’s needs, with a straightforward £99 excess per condition each year.
But we don’t stop at insurance. You get free, unlimited access to expert vet advice and health support tools 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.
With Napo, you receive real support from quote to claim, at every stage of your pet’s life.
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.
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 5% multipet discount 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.
Will my policy price increase if I claim?
Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth... Pet insurance policies, including Napo’s, go up each year as your pet gets older and less healthy. When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
Do you pay the vet directly or reimburse me?
Whichever you prefer. We can pay claims out directly to you or to the vet, as long as they are set up with us. Many customers prefer for us to pay the vets directly so they don’t have to cover the upfront costs.
Frequently asked questions
Why is Napo different?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive policy covers all your pet’s needs, with a straightforward £99 excess per condition each year.
But we don’t stop at insurance. You get free, unlimited access to expert vet advice and health support tools 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.
With Napo, you receive real support from quote to claim, at every stage of your pet’s life.
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.
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 5% multipet discount 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.
Will my policy price increase if I claim?
Some insurers boast they’ve got “no penalty for claiming” but they don’t show you their fineprint. Here’s the truth... Pet insurance policies, including Napo’s, go up each year as your pet gets older and less healthy. When you claim, this also affects your premium. The increase will depend on the type of claim you make. For isolated accidents, the increase in premiums will likely be lower when compared to if you claim for something that might lead to long-term consequences like heart issues or diabetes.
Why do I need pet insurance?
Illnesses, dental work, behavioural treatment, even ‘missing pet’ rewards... The costs of a pet over its lifetime can stack up.
For example, if you own a medium dog, the PDSA estimates you’ll pay between £7,500 - £11,800 over their lifetime. Unless you have insurance.
Our comprehensive lifetime cover makes sure that if you ever need expensive help, you can afford the very best!
Do you pay the vet directly or reimburse me?
Whichever you prefer. We can pay claims out directly to you or to the vet, as long as they are set up with us. Many customers prefer for us to pay the vets directly so they don’t have to cover the upfront costs.
*Average time to settle all claims between May and November 2025
Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.
What we cover is subject to terms and conditions in our policy.
4.6 Excellent
*Average time to settle all claims between May and November 2025
Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.
What we cover is subject to terms and conditions in our policy.
4.6 Excellent
*Average time to settle all claims between May and November 2025
Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.
What we cover is subject to terms and conditions in our policy.
4.6 Excellent