Excluded and partially-covered pets
Pet breeds we partially insure
We're the only UK insurer to cover all domestic breeds of dog and cat for their health – for life! As well as offering training support, dental, and 24/7 free vet access 🥳
Partial cover
Even if your pet's commonly or legally considered dangerous, we're proud to offer comprehensive Napo lifetime cover including everything except Third Party Liability.
Napo customers
If you purchased a policy before 14/04/2025 and your pet is on the 'excluded breeds list' in your policy document, please contact us via chat or email. We'll be happy to assist you further 💙
Check what cover we can offer your pet 👀
Dogs that need a Certificate of Exemption
We can offer you our normal cover, minus Third Party Liability, if you hold a valid Certificate of Exemption under the Dangerous Dogs Act 1991 and fully comply with its requirements for the following breeds:
- American Bully XL
- American Pit Bull Terrier
- Argentinian Mastiff
- Brazilian Mastiff
- Dogo Argentino
- Fila Brasileiro
- Japanese Mastiff
- Pit Bull
- Pit Bull Terrier
- Tosa
Other commonly excluded breeds
We can offer you our normal cover minus Third Party Liability for the following breeds:
- Akbash
- Ainu
- Akita
- Alapaha Blue Blood Bulldog
- American Akita
- American Bandogge
- American Bulldog
- American Bully Classic
- American Bully Exotic
- American Bully Pocket
- American Bully Standard
- American Staffordshire Bull Terrier
- American Staffordshire Terrier
- Anatolian Karabash
- Anatolian Shepherd
- Anglican Bulldogge
- Azores Cattle Dog (Cão de Fila de São Miguel)
- Bakharwal
- Boerboel
- Bucovina Shepherd Dog
- Bully Kutta (Pakistani/Sindhi/Indian Mastiff)
- Ca de Bou
- Canarian Mastiff
- Canary Catch Dog (Perro de Presa Canario)
- Cane Corso
- Caucasian Shepherd Dog
- Chinese Chongqing
- Chow Chow
- Gull Dong
- Hokkaido
- Indian Pariah Dog
- Irish Staffordshire Bull Terrier
- Japanese Akita
- Johnson American Bulldog
- Kai Ken
- Kangal Shepherd Dog
- Karabash
- Koolie
- Korean Jindo
- Northern Inuit
- Phu Quoc Ridgeback (Chó Phú Quốc)
- Pit Bull Mastiff
- Romanian Raven Shepherd Dog (Ciobănesc Românesc Corb)
- Saint Miguel Cattle Dog (Cão de Fila de São Miguel)
- Seta
- Shar Pei
- Shikoku (Kōchi-ken)
- South African Mastiff
- Spanish Alaunt (Alano Español)
- Spanish Bulldog
- Spanish Hound (Sabueso Español)
- Staffordshire Bull Terrier
- Tamaskan Dog
- Thai Bangkaew
- Thai Ridgeback
- Tibetan Mastiff
- Turkish Kangal Dog
- Uruguayan Cimarron (Cimarrón Uruguayo)
- Utonagan
- Vucciriscu
- Wolfdog F3, F4 or above (does not require wild animal license)
Other reasons we can't cover a pet
Some of our eligibility criteria are not breed specific. They're more to do with your pet's lifestyle and reflect our goals to support pet parents to raise the happiest and healthiest pets possible.
We don't insure pets who:
- Have been used for breeding
- Have attacked or bitten a person or animal
- Can be considered as 'working pets' with any business, commercial, trade or working history
- Can be considered a gundog, or connected with shooting, pointing, or fieldwork
- Have been declined by an insurer or had their pet insurance cancelled
- Are not vaccinated against distemper, hepatitis, leptospirosis and parvovirus (dogs), and feline infectious enteritis, feline herpes virus, feline calicivirus, and (if at risk) feline leukaemia virus (cats)
Our eligibility criteria for pet owners:
- You must be aged 18 or over and a permanent resident in the UK
- You must be the owner of your pet and it must live with you at the address you've given us
- You must have never been declined insurance for your pet or had your pet insurance cancelled
- You must not be legally banned from keeping animals
- You must not have any unspent convictions for any kind of offence involving dishonesty, fraud or any crime under the Wildlife and Countryside Act 1981 or the Animal Welfare Act 2006
Pets that aren't dogs or cats 🦎🐇🐹🦜
Sorry, Napo is not the insurer for you!
Wild animals
We don't offer any cover to animals that are considered 'wild' or require a wild animal license in the UK. These include:
- Wolves and wolf hybrids including Czechoslovakian/Dutch/Saarloos Wolfdog
- Foxes or racoon dogs
- Australian Dingo
- Asian Leopard cat and any crossbreeds of Asian Leopard cat
- Any cats who are a hybrid between a wild cat (Serval or Savannah) and a domestic cat (also known as F1 cats)
- Feral cat