Napo lifetime insurance, made for your Pug
Insurance built for Pugs. Perfect.
What’s your Pug’s age?
Personalised Pug cover
Genetic conditions: BOAS, IVDD, allergies, ulcers
Breathing, spine, skin & eye issues are all covered, no Pug 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 extra or hidden costs. Let’s keep your Pug happy.
Real Pugs insured by Napo
Join the Pug parents who chose us for the snuffliest members of their household.
Made a claim for my pug and was dealt with super fast and only took 2 working days. Easy to contact via email and get some great perks, online vets if needed for anything and most of all price was best I found for pug under £25 month.
- Arron Dean
I had to make a claim as my pug got injured. It was stress-free and easy... The insurance even rung up the vets the next day to make sure my dog was okay. Customer service is amazing.
- Araya Baker
I love Napo. Have 4 babies covered by them and they never let me down. They paid out £5k for one of my boys' BOAS surgery which was very important to our family. Thank you Napo.
- Kamila Formela
I had to do my very first claim for BOAS surgery... Lorna kept me updated and let me know the claim was successful and payment had been sent to my vet. Napo had our backs when I needed them.
- Jen Harris
Fast help whenever you need it
24/7 online vet access
Free FirstVet app subscription included, for instant help.
Direct to vet payments
So you’re not left out of pocket.
Most claims closed within 5 days
95% acceptance rate.*
Join our pack!
Join the Pug parents who chose complete protection for common conditions.
90%
More likely than other breeds to need vet care. – Royal Veterinary College
54x
More likely than other breeds to develop breathing issues. – Royal Veterinary College
£330K+
Paid out to Pugs of Napo, and counting!
Nuggy’s Story
Fiona and Ryan’s adolescent Pug, Nuggy, started developing skin and eye allergies when they moved to a new house.
He suffered from raw, red sore spots and gunky eyes. At first his symptoms were managed by a monthly injection, but we were able to cover allergy testing and Nuggy’s vets diagnosed allergies to dust mites and grass.
Fiona and Ryan were then able to claim for immunotherapy, which has left Nuggy much more comfortable.
Testing, diagnosis & therapy covered
Nuggy’s chronic condition is covered for life.
Total cost: £4,649.63
Fully covered by the policy after excess.
Payment handled same-day
We paid the vets directly all 16 times they claimed.
What you’ll be covered for
You pay just £99 excess per condition per year & we take care of the rest.
Essentials
- New illnesses: From diagnostics to treatments and hospitalisation – we got you!
- Accidents: Accidents can happen. We’ve got the unexpected vet bills covered.
- Emergency surgery: We will always prioritise emergency claims.
- Diagnostic tests: X-rays, MRI, blood tests and anything prescribed by vets.
Cover levels for every budget
| Cover Level | Vet Fees per Year | Dental Work | Physio and Holistic | Behavioural Treatment | Excess | Co-pay after 9 years | FirstVet appointments |
|---|---|---|---|---|---|---|---|
| £2,000 | £2,000 | £1,000 | £250 | £250 | £99 | 20% | Always free! |
| £4,000 | £4,000 | £2,000 | £500 | £500 | £99 | 20% | Always free! |
| Top pick | £8,000 | £2,000 | £1,000 | £1,000 | £99 | 20% | Always free! |
| £12,000 | £12,000 | £2,000 | £1,500 | £1,500 | £99 | 20% | Always free! |
| £16,000 | £16,000 | £2,000 | £2,000 | £2,000 | £99 | 20% | Always free! |
24/7 video vet access
Get a free FirstVet subscription through your Napo cover, for instant help at any time.
Pug FAQs
If you're considering getting a Pug, insuring your Pug or switching insurer, find out everything you need to know about the cover you'll get with Napo.
Should I insure my Pug?
Absolutely. Pugs 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 Pugs?
Pugs are known to suffer from several hereditary/congenital conditions, as well as more general ones:
- Corneal (eye) ulcers, eye injuries and infections.
- BOAS (Brachycephalic Obstructive Airway Syndrome) – this causes breathing issues for flat-faced dog breeds, often requiring surgery.
- Skin allergies and irritations, potential digestive allergies too.
- Hip and joint issues that could progress to arthritis.
- Epilepsy and neurological conditions.
The good news is that we cover all of them. Choose between medical cover totaling £2k, £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 Pug early to improve chances of cover.
Is dental treatment included for Pugs?
Yes, dental is included in our comprehensive cover. To qualify, you need to get your Pug’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 Pug showing lots of painful symptoms, so it’s best to get those checkups and nip it in the bud.
Additionally, it’s very common for Pugs to grow crooked teeth (malocclusion) which makes dental disease very prevalent. Sometimes they have teeth taken out or bite re-shaping therapy. If you have a Pug or you’re getting a Pug, it’s important to make sure you have dental cover from the start so that any dental issues aren’t seen as a pre-existing condition.
What common behavioral conditions affect Pugs?
Pugs are a quirky and ancient breed! They bring plenty of joy but can also develop behaviors that need some course correction. These issues are fairly common and often linked to their physical health and frustration levels. If they’re in any pain or have shortness of breathing, they’re likely to show more sensitivity. We commonly hear about:
- Reactivity and barking
- Separation anxiety
- Leash reactivity
- Noise sensitivity
- Resource guarding
Underlying pain and discomfort can be the source of these!!!
We cover these issues if they are diagnosed by a vet or qualified behaviorist, 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 Pug?
Yes, we offer cover for older Pugs! 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.
A note from Napo, our original founder
Hi! I’m Napoleon, but everyone calls me Napo. Like all small Dachshunds, I’m remembered for my enormous personality.
My owner JP (the human founder of Napo) struggled to find good insurance to cover my health needs as I got older. And he loved me so much that when we had to say goodbye, he created an inclusive pet insurance company in my memory 💙