Lifetime insurance from Napo, made for your Frenchie
Insurance built for Frenchies. Finally
Excellent
What's your Frenchie's age?
Real Frenchies insured by Napo
The whole claim process was easy & extremely fast. I would definitely recommend Napo insurance without a doubt!
My experience with Napo was outstanding. Fiona was kind understanding and let me take my time and she showed compassion and empathy while dealing with my claim.
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.
Megan offered consistency reassurance and went above and beyond for us today. Thank you for doing everything possible to help our boy.
Get help, fast
24/7 online vet access
free FirstVet subscription with your Napo cover, for instant help
Emergency surgery
Direct to vet payments, so you’re not left chasing invoices
Most claims closed within 5 days
93% acceptance rate
Cover for your Frenchie that's just right
Genetic conditions: BOAS, IVDD, allergies, ulcers
Breathing, spine, skin & eye issues are all covered, no Frenchie left behind
Dental care included
As long as you do annual checks to stay on top of those gnashers
Behavioural support
Expert help, with no hidden costs. Let’s keep your Frenchie happy
Join our Frenchie pack!
Pick the right level based on your dog’s needs.
3,495
Frenchies, covered
£1.28M
Vet fees paid out
957
Claims accepted
Choose your level of cover.
Pick the right level based on your dog’s needs.
£4k
in vet fees per year
£8k
in vet fees per year
£12k
in vet fees per year
£16k
in vet fees per year
Vet fees
- £8,000 incl. Dental work
- £2,000 incl. Physio and other therapies
- £1,000 incl. Behavioural treatment
- £1,000 Show additional cover
Important details
- Excess (per condition, per year) £99
- Co-pay when your pet turns 9 years old (or if opted into voluntary co-pay) 20% of vet bills
- FirstVet calls Always free!
What you’ll be covered for
You only pay the £99 excess per condition per year. We take care of the rest
Essential vet care
For all urgent, unexpected, or core medical costs. Includes:
Illnesses
Any type of accident
Emergency surgery
Diagnostic tests
Recovery & wellbeing
This covers long-term health support and quality of life. Includes:
Physio
Dental conditions
Behavioural care
Prescriptions
Extra protection & support
Everything that’s about protecting you and your pet beyond vet bills
Emergency boarding
Lost pet
Third party liability
Death and burial
Helping Coco breathe freely
"I have adopted a 4 year old Frenchie who started to have breathing problems when she went for walks or got excited - basically she couldn't play! I know all Frenchie's have breathing issues but this was different.
Thanks to Napo and Sandymoor vet's Coco was able to have her soft palate widened. This has been so successful and Napo paid out straight away. I am a new customer and cannot recommend their service enough. I shall most definitely be staying with them for all of Coco's life, which hopefully is for many years to come."
– Barbara F on Trustpilot
Emergency claim: <24h
We recognised the life-threatening condition straight away
Surgery: £1,324
Payment sent directly to the vet, for peace of mind
Hospitalisation & meds: £366
Diagnostics, treatment & rehab all covered
French Bulldog FAQs
If you're considering getting a Frenchie, insuring your Frenchie or switching insurer, find out everything you need to know about the cover you'll get with Napo.
Should I insure my French Bulldog?
Absolutely. Frenchies are prone to a number of breed-specific health issues, and insurance can help cover unexpected vet bills. At Napo we offer comprehensive cover that includes those common genetic conditions, as well as dental care, third-party liability, and much more.
What common health conditions affect French Bulldogs?
Frenchies are known to suffer from several hereditary/congenital conditions, as well as more general ones:
BOAS (Brachycephalic Obstructive Airway Syndrome) – this causes breathing issues for flat-faced dog breeds, often requiring surgery
IVDD (Intervertebral Disc Disease) – this is a spinal injury that can affect lots of dog breeds, also often requiring surgery
Skin allergies and irritations
Hip and joint issues
Corneal ulcers and other eye issues
Gastro (upset tummy)
The good news is that we cover all of them. Choose between medical cover totalling £4k, £8k, £12k and £16k per year.
Do you cover BOAS (Brachycephalic Obstructive Airway Syndrome)?
Yes, we can cover BOAS if it wasn’t present or symptomatic 24 months before your policy started and during any waiting periods. It's important to insure your Frenchie early to improve chances of cover.
Is dental treatment included for French Bulldogs?
Yes, dental is included in our comprehensive cover. To qualify, you need to get your Frenchie’s gnashers checked once a year. And make sure to act on recommended dental care within 6 months of your vet suggesting it. Remember that dental and gum disease can be detected way in advance of your Frenchie showing lots of painful symptoms, so it’s best to get those checkups and nip it in the bud.
What common behavioural conditions affect French Bulldogs?
Frenchies, while delightful, can develop behaviours that need some course-correction. These issues are fairly common and often linked to their health and frustration levels. We commonly hear about:
Reactivity and barking
Separation anxiety
Leash reactivity
Noise sensitivity
Resource guarding
We cover these issues if they are diagnosed by a vet or qualified behaviourist, and not defined as pre-existing. To keep both you and your dog confident and happy, we also recommend doing lots of training research and making use of our free resources. You got this!
Can I get insurance for my senior Frenchie?
Yes, we offer cover for older Frenchies! Just note that once your pet turns 9, a 20% co-payment on vet fees applies. This means that we ask you to contribute 20% of the vet bills, on top of your excess. It helps us keep monthly premiums relatively low, while still paying the vast majority of the vet bills.
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.