My first ever time needing to claim on pet insurance. My dog unexpectedly needed some dental work after my vet recommended a scale and polish, which resulted in a number of teeth being extracted and a... See more
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All about Napo
Named after the founder’s scruffy Dachshund, In 2021 we decided to make pet insurance better for owners like us and you. This means more value, less hassle, easy to understand policies, and super comprehensive cover.
Comprehensive insurance
Our £16,000 policy being named most comprehensive on the market by Which?. Plus our £8,000, £12,000 and £16,000 dog insurance policies have been recognised as a Which? Best Buy.
Fuss-free claims
Our claims are quick, easy, and all online. You can do it, or your vet can for you. We can also pay them directly. So you can focus on your pet, not the paperwork
Free video vet calls
You’ll get free 24/7 vet and behaviourist calls. So you can always get expert help when you need it.
Low excess
We have a low excess charge of £99 per condition, per policy year. And that’s for all policies!
We’ll call you
If there’s something you’re keen to talk to us about, speak to one of our fantastic customer champions and they’ll arrange to call you at no cost to you.
2 Jubilee Place, SW3 3TQ, London, United Kingdom
I have been insured with Napo for a few years now and they have always paid promptly when I've claimed. Although my monthly payments are higher than before, its been worth it for the service provided. Especially with on going issues, you only pay the first £99. I hope this great service continues!!

Reply from Napo Pet Insurance
Beware of insane premium hikes, I have never had such a huge increase in price from any other company and I wouldn't have said their customer service was deserving of it (a lot of queries are answered by a bot/AI and not a human which is incredibly disappointing to see). My cats insurance went from £26 pound a month to £88 and I had only made two small value claims amounting to roughly £300 total in the previous year. That is daylight robbery and extremely disappointing. I know premiums increase but that is not reasonable no matter what standard excuses they will give like vet costs increasing, age etc. Almost quadrupling premiums is not on.

Reply from Napo Pet Insurance
⭐⭐⭐⭐⭐
My 8-year-old Rottweiler, Bebe, had her annual vet check-up and booster vaccinations, during which gingivitis was discovered in her teeth.
I contacted Napo and spoke with Fiona, who was absolutely brilliant. She was professional, kind, and genuinely understanding, and it was clear she truly cared about my beloved dog. Dental issues aren’t always covered by insurers, but Napo do cover dental disease such as gingivitis, which was a huge relief.
My case was slightly more complex as I requested pre-authorisation, which couldn’t be 100% guaranteed. However, Fiona reassured me throughout and kept me fully informed. Like many pet owners, Bebe’s initial check-up was part of my vet’s pet plan, and Fiona took the time to understand the full situation.
Once Bebe had her procedure, Napo approved the claim and reimbursed me the very next day—super efficient, friendly, and seamless service. Most importantly, they genuinely cared about my precious girl.
Napo is worth every penny I pay to insure Bebe.
A huge thank you to Napo, and especially to the lovely Fiona—I’m truly grateful.

Reply from Napo Pet Insurance
Napo has been the easiest insurance company i have ever dealt with. Over the years i have had insurance for my pets with tesco/direct line/pet plan/ nfu to name a few and they have made making a claim more hassle than. Was necessary. With napo my xl bully had a hind limb lameness issue and vets assessed diagnosed with hip dysplasia. Napo dealt with everything quickly and efficiently and kept me up to date throughout. My little frenchie is currently in the specialists and again Napo have been fantastic throughout this upsetting time and taken away the added worry of limiting exceptional care due to cost. I would highly recommend Napo to anyone that is looking for no nonsense pet insurance. Currently have 3 dogs insured with them and whilst the monthly premium is slightly more than others. It genuinely worth the extra £ each month to know that if the unthinkable happens and your pet becomes ill they are there to help every step of the way. Thank you Napo.

Reply from Napo Pet Insurance
I’m genuinely blown away by Napo. I’ve been with them for three years and had to make my first claim last week after my dog injured his eye on a thorn and needed surgery. The claim was submitted and processed within 48 hours. The team at Napo communicated everything clearly and efficiently. During a very stressful time, they handled everything with real professionalism and compassion.

Reply from Napo Pet Insurance
Be very careful when insuring your loved pet: Three-year-old dog, zero claims, yet our renewal premium jumped 26.6% in a single year. When challenged, we were told pricing is strictly non-negotiable, there are no loyalty or no-claims benefits, and the only options are to accept the increase, reduce cover (restart a new policy), or leave. Multiple explanations were given, but none addressed fairness or long-term affordability. We will renew only to avoid losing cover for existing conditions, and only after raising a formal complaint. If you’re considering this insurer, be aware that steep early increases can compound quickly, once you’re locked in, you have very little leverage.

Reply from Napo Pet Insurance
I've cancelled the auto-renewal of my policy with Napo.
After four years as a loyal customer, they have proposed to increased monthly premiums by 300%.
My pet has no pre-existing nor ongoing conditions. They had 2 claims last year (the first time I've ever claimed) for diagnostics for an issue that was short term and not ongoing. The vet themselves confirmed this in writing.
It's incredibly cynical to increase premiums to such an extent the moment someone makes a claim.

Reply from Napo Pet Insurance
I started the claim on line, Marta and her team did the 'vet' bit. The two lovely ladies dealt with a quick enquiry and Sarah from the assessment team went through the claim later that day. A email was received from Sarah to say all had been checked and approved pyt was due to be made the following day. Happy me Happy Fraggle

Reply from Napo Pet Insurance
Amazing service from Napo! We had to use an emergency out-of-hours vet as well as our own vet for treatment for our dog Milo. Both vets were able to use the claims process through the Napo portal & the two invoices were treated as a continuation claim so we only had to pay the excess once. I’m so impressed with the communication & efficiency of Napo, the claim was agreed & paid within days. Thank you for a great service.

Reply from Napo Pet Insurance
Absolutely amazing service. Our dog was treated at the vets and the claim was handled instantly the next day. Would definitely recommend to anyone considering insurance for their pet.All communication’s were excellent.

Reply from Napo Pet Insurance
First ever claim on an expensive policy (7 year old dog). So impressed - such a speedy turnaround. All sorted within 24 hours. Two items excluded from reimbursement - one a liver pate which I hadn't realised was in my claim, and was absolutely correctly excluded. The other a urine test - I asked them to review this decision as it was implicitly part of the episode I was claiming for. They did, and included it for reimbursement. Claim process remarkably straightforward. Will recommend to friends

Reply from Napo Pet Insurance
I found the whole claims process very straightforward. Napo dealt directly with my vet, allowing me to focus on my dogs recovery from a very serious illness.
My claim was authorised for payment within 7 days following my vets initial contact with the insurers. Communication was excellent and I would highly recommend Tapo for their compassionate and efficient service.

Reply from Napo Pet Insurance
Fast and extremely easy, can’t thank NAPO enough for helping though a stressful time

Reply from Napo Pet Insurance
Such EXCELLENT and Professional continued care for my pet from Napo Pet Insurance, with amazing easy claims form procedure.
Thank you so much Napo.
Plus a very big THANK YOU to Moira, for your excellent support from start to completion of my claim for Nellie !!

Reply from Napo Pet Insurance
Worth the money- claims are easy and paid out quickly. Takes some of the stress away from what can be awful time, when you're worrying about your pet being okay.

Reply from Napo Pet Insurance
It was literally the only claim I have made since being with them for 3 years and I wish I knew this about them sooner.
They will intentionally make it challenging for you to make a claim and try everything in their power not to pay. I asked the vet how much a procedure would cost and they said we'll send you an estimate by email, apparently that counts as a recommendation when the vet did not recommend it I asked for an estimate out of curiosity.
I asked my vet to send me the full medical record and every time I challenge Napo's decision to decline the claim they will change the reason or start a new email chain for absolutely no reason and go back to one of the reasons I have already challenged.
They make you go through hoops trying to get the vet to write a supporting statement to clarify the misunderstanding in the medical records and they respond with "well it doesn't matter anyway cuz it's this other non-relevant reason actually".
I spoke to their customer service and was told I need to do the procedure within 6 months, after when I tried to make the claim, they declined it and said it's actually 3 now.
It was literally the only claim I have made since being with them for 3 years.
Honestly, put the money that you were going to pay the insurance company into a savings account every month and you will have enough money for any emergency that might arise. 3 years and not one single claim I have basically wasted all that money that would've covered the claim 4 times over.
My first ever time needing to claim on pet insurance. My dog unexpectedly needed some dental work after my vet recommended a scale and polish, which resulted in a number of teeth being extracted and a few more vet visits. My vet submitted a claim to Napo today and by the end of the day, Napo have accepted the claim and agreed to pay. Extremely straightforward and hassle free, making what has been a tough time a bit easier

Reply from Napo Pet Insurance
My golden retriever, Herbie, has been undergoing a series of consultations and examinations to try and resolve a complex lameness issue on one limb .On each occasion when we have had to forward a claim to NAPO as part of the continued treatment insurance cover, they have responded clearly , professionally ,speedily and with understanding together with a clear explanation regarding any slight delay in processing the claim whilst they seek further information .An excellent service without fault and very reassuring giving confidence in an insurance world when so many negative experiences elsewhere are experienced .Well done NAPO.

Reply from Napo Pet Insurance
Used the free FIrstvet online vet as we were concerned for our dog following her spay. The vet was fantastic, very thorough and helped to alleviate our concerns. Would definitely recommend this service to any pet owners.

Reply from Napo Pet Insurance
After a years cover, my dog became ill and needed a vet. Napo offers unlimited face to face vet appointments. It was very easy to book an appointment. Lots of times to choose from. The call itself was great and the vet was lovely, even though I was a bit nervous. I 100% recommend Napo pet insurance.

Reply from Napo Pet Insurance
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