Turns out pet insurance can be excellent.

Get the lifetime cover your VIP deserves.

Who are you insuring?

A dog

A cat

More than one pet

Comprehensive cover looks like

Essentials

Wellbeing

Protection

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.

Fast help whenever you need it

24/7 online vet access

Free FirstVet app subscription included, for instant help.

Direct payment to vets

So you’re not left out of pocket.

Most claims closed within 5 days

95% acceptance rate*.

Real pets insured by Napo

Join over 115,000 pet parents who chose us to care for the hairiest members of their household.

So easy - filled in a form on the portal, put in my vets email address, within 2 days Napo contacted me for more info - within a few hours my claim had been approved - should receive the money in 5 days. Could not have been easier.

Helen Cupitt

Claim paid, no fuss at all. Made the claim on a Friday, had to answer a couple of questions, approved and paid out Monday. Fastest I've ever known. Thanks folks.

Mr Hughes

Napo insurance company are amazing. The 24/7 access to a vet is fantastic and a brilliant feature. We had an incident where we have had to use this service and it has proven peace of mind. I would highly recommend Napo insurance.

Jo Hustler

My experience with Napo was outstanding. Fiona was kind, understanding, and let me take my time. She showed compassion and empathy while dealing with my claim.

Andrew Castle

Napo pet insurance FAQs

What makes Napo different to other UK pet insurance providers?
At Napo, we help you care confidently for your pet by removing the worry of unexpected vet bills. Our comprehensive lifetime policies cover all your pet’s needs, with a straightforward £99 excess per condition per policy year.

You also get free, unlimited access to expert vet advice via the FirstVet app, designed to keep your pet well and reduce costly vet visits. When it’s time to claim, our award-winning team works quickly, paying vets directly, so you’re never left managing bills alone.

Napo lifetime cover delivers real care and support from quote to claim, at every stage of your pet’s life. We even cover dental care, as long as you take your pet for an annual checkup!

Does Napo pet insurance exclude any conditions?
We’re proud to be very inclusive in our cover. Our eligibility criteria excludes pets used for breeding or working (actively working/competing, rather than just a so-called ‘working’ or ‘racing’ breed) as well as those displaying signs of aggression.

We exclude pre-existing conditions for two years (see below). We don’t cover preventative or elective (non-medically required) treatments, or treatment for Leishmania, legally notifiable, or sexually transmitted diseases.

Does Napo cover pre-existing conditions?
Napo pet insurance doesn’t cover any condition that your pet has shown symptoms of or been treated for within the 24 months before your policy begins.

Any new conditions that develop after your Napo policy starts will be covered for your pet’s lifetime, for as long as you stay insured with us.

Does Napo cover dental treatment?
Yes! We cover dental accidents and illnesses, as long as your dog or cat has been taken for their annual dental check-up. We don’t cover cosmetic, routine, or preventative dental health treatment such as descaling, polishing, and cleaning teeth, even if recommended by your vet.

How do excess and co-pay work?
An 'excess' is your contribution to vet fees when we accept and pay for a claim. It helps to keep the cost of your policy down.

At Napo, we have a £99 standard excess per condition, per policy year (for vet fees only). If you have Third Party Liability, you’ll need to pay a £250 excess for each eligible claim.

When your pet turns 9 years old, you’ll need to pay 20% towards the cost of each claim - this is what’s known as a ‘co-payment’ (or co-pay for short). This is deducted automatically when Napo pays a claim.

We also offer a lifetime 20% co-pay option, which can be helpful for some as it reduces your premiums. This means you pay 20% of each claim on top of your excess payment while insured with us, no matter your pet’s age.

Can Napo pay my vet directly?
Yes! We can pay you or the vet, whichever you prefer. If you want us to pay your vet, they can submit their invoices directly.

How quickly does Napo pay claims?
It depends on the claim, but typically, we’re pretty quick! We're proud to have a 95% claim acceptance rate*, with most claims closed within 5 days**.

Help, my question hasn't been answered!
Don't worry, we're here to help! Check out our help hub for more advice and support.

You can also chat to us online from Monday-Friday (10.30am-5.30pm) or email support@napo.pet.

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 💙