# Policies

What Napo covers and how our insurance works

- [What are your cover levels?](https://help.napo.pet/en/articles/7014976-what-are-your-cover-levels)
- [Can I set the direct debit to come out on a specific day?](https://help.napo.pet/en/articles/6693216-can-i-set-the-direct-debit-to-come-out-on-a-specific-day)
- [How can I get cover for my other pet?](https://help.napo.pet/en/articles/6683150-how-can-i-get-cover-for-my-other-pet)
- [Am I covered for diagnostic tests like MRI scans, X-rays, and blood tests?](https://help.napo.pet/en/articles/5966441-am-i-covered-for-diagnostic-tests-like-mri-scans-x-rays-and-blood-tests)
- [What's the waiting period?](https://help.napo.pet/en/articles/6817127-what-s-the-waiting-period)
- [How to keep my premium cost down or downgrade/change cover level?](https://help.napo.pet/en/articles/7015067-how-to-keep-my-premium-cost-down-or-downgrade-change-cover-level)
- [How do I pay for my policy?](https://help.napo.pet/en/articles/5598901-how-do-i-pay-for-my-policy)
- [Can I get a printed copy of my policy?](https://help.napo.pet/en/articles/5963607-can-i-get-a-printed-copy-of-my-policy)
- [When does my cover start?](https://help.napo.pet/en/articles/5593160-when-does-my-cover-start)
- [What's an excess?](https://help.napo.pet/en/articles/5598876-what-s-an-excess)
- [How much is my excess?](https://help.napo.pet/en/articles/5589161-how-much-is-my-excess)
- [What's co-pay?](https://help.napo.pet/en/articles/5598878-what-s-co-pay)
- [Is your policy a lifetime policy?](https://help.napo.pet/en/articles/5616190-is-your-policy-a-lifetime-policy)
- [When does my policy renew?](https://help.napo.pet/en/articles/5599012-when-does-my-policy-renew)
- [Is there an age limit for my pet to be covered?](https://help.napo.pet/en/articles/5599021-is-there-an-age-limit-for-my-pet-to-be-covered)
- [Is my pet covered for pre-existing conditions?](https://help.napo.pet/en/articles/5599025-is-my-pet-covered-for-pre-existing-conditions)
- [Is my multipet cover limit per pet or shared between all pets?](https://help.napo.pet/en/articles/5904385-is-my-multipet-cover-limit-per-pet-or-shared-between-all-pets)
- [If I claim, will my premium increase?](https://help.napo.pet/en/articles/5598932-if-i-claim-will-my-premium-increase)
- [Will my premium increase if I don’t claim?](https://help.napo.pet/en/articles/5598937-will-my-premium-increase-if-i-don-t-claim)
- [Do you cover complementary therapy treatments?](https://help.napo.pet/en/articles/5593145-do-you-cover-complementary-therapy-treatments)
- [How can I cancel my policy?](https://help.napo.pet/en/articles/5589226-how-can-i-cancel-my-policy)
- [Which cat breeds do you cover?](https://help.napo.pet/en/articles/5599016-which-cat-breeds-do-you-cover)
- [Which breed should I pick from Napo's list?](https://help.napo.pet/en/articles/5599013-which-breed-should-i-pick-from-napo-s-list)
- [Can I change my policy start date?](https://help.napo.pet/en/articles/7315397-can-i-change-my-policy-start-date)
- [Do you cover neutering/spaying?](https://help.napo.pet/en/articles/7988240-do-you-cover-neutering-spaying)
- [Do you cover vaccinations?](https://help.napo.pet/en/articles/7988273-do-you-cover-vaccinations)
- [Do you cover intoxication?](https://help.napo.pet/en/articles/7988285-do-you-cover-intoxication)
- [What breeds do you exclude from cover?](https://help.napo.pet/en/articles/7988320-what-breeds-do-you-exclude-from-cover)
- [How do I pay my excess?](https://help.napo.pet/en/articles/8225461-how-do-i-pay-my-excess)
- [How do I log into my Napo dashboard?](https://help.napo.pet/en/articles/8364281-how-do-i-log-into-my-napo-dashboard)
- [How can I find my policy number?](https://help.napo.pet/en/articles/8368352-how-can-i-find-my-policy-number)
- [Can I upgrade my cover?](https://help.napo.pet/en/articles/6817213-can-i-upgrade-my-cover)
- [Why have you increased the excess?](https://help.napo.pet/en/articles/8967370-why-have-you-increased-the-excess)
- [How to do a policy check?](https://help.napo.pet/en/articles/9688078-how-to-do-a-policy-check)
- [Can I change my excess?](https://help.napo.pet/en/articles/9745639-can-i-change-my-excess)
- [How can I pay for my policy?](https://help.napo.pet/en/articles/9766558-how-can-i-pay-for-my-policy)
- [Can I change my pet's breed?](https://help.napo.pet/en/articles/9813838-can-i-change-my-pet-s-breed)
- [Do I need to disclose pre-existing conditions before I purchase a policy?](https://help.napo.pet/en/articles/9842301-do-i-need-to-disclose-pre-existing-conditions-before-i-purchase-a-policy)
- [How do I waive the waiting period?](https://help.napo.pet/en/articles/10086344-how-do-i-waive-the-waiting-period)
- [How can I see my remaining cover limit?](https://help.napo.pet/en/articles/10179771-how-can-i-see-my-remaining-cover-limit)
- [I’m switching from another insurer, do I still have a waiting period?](https://help.napo.pet/en/articles/10179790-i-m-switching-from-another-insurer-do-i-still-have-a-waiting-period)
- [Can I pay for different pets on different bank accounts?](https://help.napo.pet/en/articles/10213918-can-i-pay-for-different-pets-on-different-bank-accounts)
- [Getting a quote: Why won’t you accept my postcode?](https://help.napo.pet/en/articles/10213925-getting-a-quote-why-won-t-you-accept-my-postcode)
- [What are the inner limits?](https://help.napo.pet/en/articles/10213940-what-are-the-inner-limits)
- [Can I change my pet’s gender?](https://help.napo.pet/en/articles/10279584-can-i-change-my-pet-s-gender)
- [Can I change my pet’s age/DOB?](https://help.napo.pet/en/articles/10279595-can-i-change-my-pet-s-age-dob)
- [Where do you offer cover?](https://help.napo.pet/en/articles/11736502-where-do-you-offer-cover)
- [Getting a quote: What type of cat should I choose?](https://help.napo.pet/en/articles/12277751-getting-a-quote-what-type-of-cat-should-i-choose)
- [When should I start my new policy with you?](https://help.napo.pet/en/articles/12510482-when-should-i-start-my-new-policy-with-you)
- [Why has my Third Party Liability cover been removed?](https://help.napo.pet/en/articles/14181778-why-has-my-third-party-liability-cover-been-removed)
- [I’ve already made a payment. Why am I getting emails saying my policy will be cancelled?](https://help.napo.pet/en/articles/15379187-i-ve-already-made-a-payment-why-am-i-getting-emails-saying-my-policy-will-be-cancelled)