Pet insurance that can pay your vet direct.
Fuss-free pet insurance with direct to vet payments
We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using our vet portal.
Excellent
Fuss-free pet insurance with direct to vet payments
We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using our vet portal.
Excellent
Fuss-free pet insurance with direct to vet payments
We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using our vet portal.
Excellent
Fuss-free pet insurance with direct to vet payments
We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using our vet portal.
Excellent
Fuss-free pet insurance with direct to vet payments
We can pay your vet directly, at their discretion. Ask your vet if they can take direct to vet payments or if they’d like to claim for you using our vet portal.
Excellent
We've got tails wagging!
We've got tails wagging!
We've got tails wagging!
Pet insurance that can pay your vet directly, plus:
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.
Pet insurance that can pay your vet directly, plus:
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.
Pet insurance that can pay your vet directly, plus:
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.
Pet insurance that can pay your vet directly, plus:
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.
Does pet insurance pay vets directly?
Some pet insurers can pay your vet directly, but it depends on your provider. Napo is able to pay vets directly when you make a claim.Your vet can also make claims on your behalf too using our vet portal. Ask your vet if they would be happy to try this.
Does pet insurance pay vets directly?
Some pet insurers can pay your vet directly, but it depends on your provider. Napo is able to pay vets directly when you make a claim.Your vet can also make claims on your behalf too using our vet portal. Ask your vet if they would be happy to try this.
Does pet insurance pay vets directly?
Some pet insurers can pay your vet directly, but it depends on your provider. Napo is able to pay vets directly when you make a claim.Your vet can also make claims on your behalf too using our vet portal. Ask your vet if they would be happy to try this.
Does pet insurance pay vets directly?
Some pet insurers can pay your vet directly, but it depends on your provider. Napo is able to pay vets directly when you make a claim.Your vet can also make claims on your behalf too using our vet portal. Ask your vet if they would be happy to try this.
Pet insurance can pay your vet directly, depending on your vet
Napo pet insurance can pay your vet directly. However, whether a vet will take direct payments depends on your vet and how they choose to handle payments.
Some vets will allow us to pay them, so you won’t need to pay your vet fees upfront.
Even if we pay your vets, you might be asked by your vet to pay your excess upfront. (We offer a low excess of only £99 per condition, per year.) Meanwhile, other vets will allow you to settle the excess later.
Meanwhile, other vets will ask for all payments upfront from the owner. You can send us your claim, and we’ll refund you the costs, (minus your excess.). If you would prefer us to pay rather than your vet, we can.
So in short, Napo pet insurance can pay direct to your vets, but you’ll need to ask your vet if they accept direct payments.
Pet insurance can pay your vet directly, depending on your vet
Napo pet insurance can pay your vet directly. However, whether a vet will take direct payments depends on your vet and how they choose to handle payments.
Some vets will allow us to pay them, so you won’t need to pay your vet fees upfront.
Even if we pay your vets, you might be asked by your vet to pay your excess upfront. (We offer a low excess of only £99 per condition, per year.) Meanwhile, other vets will allow you to settle the excess later.
Meanwhile, other vets will ask for all payments upfront from the owner. You can send us your claim, and we’ll refund you the costs, (minus your excess.). If you would prefer us to pay rather than your vet, we can.
So in short, Napo pet insurance can pay direct to your vets, but you’ll need to ask your vet if they accept direct payments.
Pet insurance can pay your vet directly, depending on your vet
Napo pet insurance can pay your vet directly. However, whether a vet will take direct payments depends on your vet and how they choose to handle payments.
Some vets will allow us to pay them, so you won’t need to pay your vet fees upfront.
Even if we pay your vets, you might be asked by your vet to pay your excess upfront. (We offer a low excess of only £99 per condition, per year.) Meanwhile, other vets will allow you to settle the excess later.
Meanwhile, other vets will ask for all payments upfront from the owner. You can send us your claim, and we’ll refund you the costs, (minus your excess.). If you would prefer us to pay rather than your vet, we can.
So in short, Napo pet insurance can pay direct to your vets, but you’ll need to ask your vet if they accept direct payments.
Pet insurance can pay your vet directly, depending on your vet
Napo pet insurance can pay your vet directly. However, whether a vet will take direct payments depends on your vet and how they choose to handle payments.
Some vets will allow us to pay them, so you won’t need to pay your vet fees upfront.
Even if we pay your vets, you might be asked by your vet to pay your excess upfront. (We offer a low excess of only £99 per condition, per year.) Meanwhile, other vets will allow you to settle the excess later.
Meanwhile, other vets will ask for all payments upfront from the owner. You can send us your claim, and we’ll refund you the costs, (minus your excess.). If you would prefer us to pay rather than your vet, we can.
So in short, Napo pet insurance can pay direct to your vets, but you’ll need to ask your vet if they accept direct payments.
We've got you covered for:
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
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).
We've got you covered for:
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
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).
We've got you covered for:
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
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).
We've got you covered for:
Some insurers try selling these as add-ons. But at Napo, they're all just part of your monthly premium.
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
“
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
What customers think about Napo
“
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
What customers think about Napo
“
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
What customers think about Napo
“
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
What customers think about Napo
“
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
Frequently Asked Questions
Which pet insurance pays the vet directly?
Many pet insurance companies pay vets directly, including Napo! We can provide cat insurance and dog insurance that pays vets directly. However, not all vets will accept payments from insurers. If you’d like us to pay your vet directly, be sure to ask your vet if they’ll accept direct payments.
Does Napo pet insurance pay direct to vet?
We’re happy to pay you or your vet. But not every vet takes direct payments. If you want us to pay your vets directly, please ask your vet if they’re happy to take direct payments. If they are, we can send all payments straight to them.
What pet insurance do most vets accept?
Many vets will accept most pet insurance companies. However, depending on their individual experience or preference, a vet may decide that they won’t accept direct payments from a certain insurer. Or they might take direct payment for small claims, but not big ones. If you want to know if your vet accepts direct pet insurance payments, it’s best to ask them. If they’re happy to take direct payments, we can pay them!
Does pet insurance pay everything?
It depends on your provider and the kind of pet insurance cover you've bought. The more comprehensive your policy, and the higher your cover limit, the more your insurer will pay for. The kind of policy you buy can also affect whether your pet insurer will pay for conditions for their duration, or just for a set time limit. Here at Napo, we only offer lifetime cover. That means we’ll cover any approved conditions your pet develops while insured with us for the rest of their life. As long as your policy is active. Our insurance is also super comprehensive. So we'll pay for a lot! As well as paying vet fees, we also cover things like dental cover and travel cover. To find out more about what we cover, check out our policy document. If you’re not sure, feel free to chat to one of our customer champions. We’re always here to help! 💙
Frequently Asked Questions
Which pet insurance pays the vet directly?
Many pet insurance companies pay vets directly, including Napo! We can provide cat insurance and dog insurance that pays vets directly. However, not all vets will accept payments from insurers. If you’d like us to pay your vet directly, be sure to ask your vet if they’ll accept direct payments.
Does Napo pet insurance pay direct to vet?
We’re happy to pay you or your vet. But not every vet takes direct payments. If you want us to pay your vets directly, please ask your vet if they’re happy to take direct payments. If they are, we can send all payments straight to them.
What pet insurance do most vets accept?
Many vets will accept most pet insurance companies. However, depending on their individual experience or preference, a vet may decide that they won’t accept direct payments from a certain insurer. Or they might take direct payment for small claims, but not big ones. If you want to know if your vet accepts direct pet insurance payments, it’s best to ask them. If they’re happy to take direct payments, we can pay them!
Does pet insurance pay everything?
It depends on your provider and the kind of pet insurance cover you've bought. The more comprehensive your policy, and the higher your cover limit, the more your insurer will pay for. The kind of policy you buy can also affect whether your pet insurer will pay for conditions for their duration, or just for a set time limit. Here at Napo, we only offer lifetime cover. That means we’ll cover any approved conditions your pet develops while insured with us for the rest of their life. As long as your policy is active. Our insurance is also super comprehensive. So we'll pay for a lot! As well as paying vet fees, we also cover things like dental cover and travel cover. To find out more about what we cover, check out our policy document. If you’re not sure, feel free to chat to one of our customer champions. We’re always here to help! 💙
Frequently Asked Questions
Which pet insurance pays the vet directly?
Many pet insurance companies pay vets directly, including Napo! We can provide cat insurance and dog insurance that pays vets directly. However, not all vets will accept payments from insurers. If you’d like us to pay your vet directly, be sure to ask your vet if they’ll accept direct payments.
Does Napo pet insurance pay direct to vet?
We’re happy to pay you or your vet. But not every vet takes direct payments. If you want us to pay your vets directly, please ask your vet if they’re happy to take direct payments. If they are, we can send all payments straight to them.
What pet insurance do most vets accept?
Many vets will accept most pet insurance companies. However, depending on their individual experience or preference, a vet may decide that they won’t accept direct payments from a certain insurer. Or they might take direct payment for small claims, but not big ones. If you want to know if your vet accepts direct pet insurance payments, it’s best to ask them. If they’re happy to take direct payments, we can pay them!
Does pet insurance pay everything?
It depends on your provider and the kind of pet insurance cover you've bought. The more comprehensive your policy, and the higher your cover limit, the more your insurer will pay for. The kind of policy you buy can also affect whether your pet insurer will pay for conditions for their duration, or just for a set time limit. Here at Napo, we only offer lifetime cover. That means we’ll cover any approved conditions your pet develops while insured with us for the rest of their life. As long as your policy is active. Our insurance is also super comprehensive. So we'll pay for a lot! As well as paying vet fees, we also cover things like dental cover and travel cover. To find out more about what we cover, check out our policy document. If you’re not sure, feel free to chat to one of our customer champions. We’re always here to help! 💙
*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