Napo Pet Insurance Reviews 4,475

TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its excellent service, particularly highlighting the efficiency and speed of their claims process. Many people appreciate the supportive and caring nature of the staff, noting their professionalism and compassion during stressful times. The customer service is frequently described as outstanding, with reviewers commending the clear communication and personal approach. However, some customers have expressed dissatisfaction with the pricing, specifically regarding significant annual premium increases, even for loyal customers with no claims. A few people also felt that the company's pricing policies lacked transparency and flexibility.

What people talk about most

Claim

Users describe positive interactions with claim. Many customers report a fast and seamless claims process,... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the helpfulness and... See more

Staff

Reviewers mention positive feedback about staff. Customers consistently praise the staff for being... See more

Customer service

Consumers generally express high satisfaction with customer service, highlighting the helpfulness,... See more

Price

Clients share ambiguous opinions on price. Many customers express frustration with significant premium... See more

Based on these reviews

Rated 5 out of 5 stars

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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Rated 5 out of 5 stars

Realised my pet had a problem with her paw late evening on a Saturday, was wondering if a trip to emergency vet was necessary. However remembered I was covered for video vet consult, so went on line.... See more

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Rated 5 out of 5 stars

Napo absolutely brilliant. Best pet insurance I’ve ever had and now transferred my other dog over to them. Kept informed throughout the treatment. I initially paid my Vet for the emergency treatment (... See more

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Rated 5 out of 5 stars

Our dog Max had to stay overnight at an animal hospital as our vet does not have 24 hour nursing. The hospital were slow to submit the claim but once submitted Napo immediately let me know and appro... See more

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Rated 1 out of 5 stars

Have been with Napo for years with premiums increasing every year without fail. Have never had an issue in the past with claims however they now seem to be trying to get out of paying a claim for an... See more

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Rated 5 out of 5 stars

Our dog was diagnosed with lymphoma cancer in October last year and sadly passed away a few days ago , I have to say Napo insurance have been absolutely brilliant and supportive with us . All claims... See more

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Rated 5 out of 5 stars

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 p... See more

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Rated 5 out of 5 stars

Very thorough consultation with an empathetic and knowledgable vet. Extremely helpful as they also emailed our vet practice to get an out of hours emergency referral. Thank you!

Rated 5 out of 5 stars

My dog broke her cruciate ligament, she was seen by her normal vet for sedation, X-rays and pain relief, over £600 the vets put the claim through and Napo paid within 2 days. My vet suggested my dog b... See more

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Rated 5 out of 5 stars

Napo has been with me throughout my tough journey with my dog who has lymphoma. Their personal approach, immediate responses and guidance have made my journey far easier and less stressful. They pai... See more

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Rated 5 out of 5 stars

This company is absolutely brilliant! Over the years I’ve been with them I’ve had to make 3 claims and each time the experience has been so smooth with no snags at all. The people who work there are a... See more

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Rated 1 out of 5 stars

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... See more

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Rated 5 out of 5 stars

Napo have been brilliant during the on going treatment for our dog’s infected paws. Everything is properly explained and each claim has been speedily processed bringing some peace of mind at a worryin... See more

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Rated 5 out of 5 stars

Exceptional empathy after the loss of our beloved family dog, and Moira at Napo sent us a wonderful email outlining that next steps and how to claim. Was all cleared within 48 hours of the initial app... See more

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Rated 5 out of 5 stars

Napo Pet insurance exceeds all expectations. My cat Muffin was sadly put down in December. Napo paid for her final euthanasia and not only did they reach out to me to cancel my subscripton, they refun... See more

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Rated 5 out of 5 stars

I had a question regarding worming tablets for my puppy, the vet was fantastic. I requested an appointment at 6.15am, and got a slot for 6.45am. Absolutely brilliant service which put my mind at ease.... See more

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Rated 5 out of 5 stars

Brilliant vet submitted a claim on Thursday I paid my excess & the vet’s bill was approved by Napo less than 24hours later. I supplied my insurance details to the vet, they filled out the online porta... See more

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Rated 5 out of 5 stars

Totally blown away at how efficient, kind and caring everybody I dealt with at Napo were. I felt they genuinely intended to make the whole process of our insurance claim as painless as possible after... See more

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Rated 5 out of 5 stars

my first experience with a online face to face vet and my Vet was really helpful gave me some good advice on feeding a picky Shih Tzu my Shih Tzu may not think so when I put plan into action but def... See more

Rated 5 out of 5 stars

I changed to Napo a few months ago as my previous insurance provider became very expensive for no visible reason. This has been the first time I’ve had to contact Napo for a claim over my dog.... See more

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Rated 5 out of 5 stars

Dear Lorna and team I want to express my sincere gratitude to all of you at Napo. You have been nothing short of wonderful, supportive and efficient throughout this process. You are the best pet in... See more

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Rated 5 out of 5 stars

Last Wednesday my GSD had two seizures. I was broken in two having to watch my beloved boy going through it. We were at the vet twice in the one day. The vet then suggested and MRI & Spinal tap t... See more

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Rated 5 out of 5 stars

Fabulous insurance company, fair yearly prices and pay out for what is included in your policy! Fast process when making a claim also, my dog had her operation on a Thursday and claim was approved by... See more

Rated 5 out of 5 stars

I've been insured with Napo now for 4 years and they have been super with speed and processing of my pet vet bills. I would urge anyone with a pet to insure them first and foremost, and I recommend... See more

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Rated 5 out of 5 stars

Very impressed by the speed and efficiency with which Napo dealt with my claim. The claim was agreed within a few hours of submitting the relevant information, and the service was friendly and helpful... See more

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Rated 5 out of 5 stars

First time we have ever claimed in 7 years, Napo have been excellent, Susie had her operation on Monday , reimbursed by Friday! They kept me informed of the progress and it was super quick and easy, h... See more

Rated 5 out of 5 stars

Both my boys Freddie and Bertie are insured with Napo. I can’t recommend them highly enough. Bertie has recently been quite poorly. I was able to claim directly via the Vet. This made a very str... See more

Rated 5 out of 5 stars

I had to use the FirstVet service for the first time today in order to access some advice regarding medication doses. The vet I spoke to was really helpful and friendly. He explained everything clearl... See more

Rated 5 out of 5 stars

Jo was very understanding & informative. She was able to ascertain that Reggie is overstimulated by the outside which is why he is reactive, some very good advice given & the follow up email had lots... See more

Rated 1 out of 5 stars

I didn’t even want to leave one star in my opinion this company you should AVOID AVOID AND AVOID AGAIN. It’s a money making company who care nothing for your pets and use every little clause to get ou... See more

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Rated 5 out of 5 stars

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.... See more

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Rated 5 out of 5 stars

I started a claim for my dog’s treatment with Napo and received confirmation of a payment on the same day! Their customer service was exemplary from start to finish. Every communication was sent wit... See more

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Rated 5 out of 5 stars

Hi, I switched to Napo when my last insurance policy doubled in price. I have had 2 reasons to deal with Napo and can honestly say,they have been seamless in helping me with my claims. I submitt... See more

Rated 5 out of 5 stars

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 servic... See more

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Rated 5 out of 5 stars

I was worried about my cat and managed to get a video call within 15 minutes. Dr Ines was really knowledgeable and talked me through several things. I then got a treatment plan emailed to me within mi... See more

Rated 5 out of 5 stars

I spoke with Dr Anita and she was lovely. Confirmed what we were doing was correct which reassured us. Suggested visit to our vets which we will be doing. She was going to send a report to our vets ex... See more

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Rated 5 out of 5 stars

There were loads of available appointments and the app made it really easy to set up the appointment. The vet was really professional and kind and reassured us with what we needed to do.

Rated 5 out of 5 stars

As a Napo customer I used the first Vet facility that comes through being with Napo insurance. It was easy to use and got first class advice from the Vet who over video call was very thorough with que... See more

Rated 5 out of 5 stars

Great choice for pet insurance. Quotes are usually competitive and the app easy to use. Easy claims process and pay out very quickly. Claims can by made via the vet or indirectly if you need to pay u... See more

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Rated 1 out of 5 stars

As existing customer I find the messaging bot,annoying,ineffective and time consuming whilst failing to answer the question asked. I have now entered the nine year old dog zone and not only has the p... See more

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Rated 5 out of 5 stars

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... See more

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Rated 1 out of 5 stars

If you're thinking of using Napo - then I urge you to look elsewhere! After being a loyal customer of 4 years I am leaving - and good riddance. How any company can have the brazen front to increase in... See more

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Rated 1 out of 5 stars

I would give them 0 starts and question the reviews on here that have high rating. They look for any excuse not to pay out for procedures. They will give a cheap introductory monthly cover then double... See more

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Rated 2 out of 5 stars

Was very happy with service etc till today when I received my renewal quote for lifetime policy as has gone from £250 to £820. Which is terrible I know sadly my dog has been diagnosed with epilepsy b... See more

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Rated 5 out of 5 stars

⭐⭐⭐⭐⭐ 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 w... See more

Company replied

Rated 2 out of 5 stars

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,... See more

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Rated 1 out of 5 stars

I have had no other experience with Napo other than purchasing insurance and renewing, so I can’t speak to claims handling. After my first year one cat’s insurance went up 50% for a claim due to somet... See more

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Rated 1 out of 5 stars

Renewal price more than doubled, after one visit to the vets to figure out a non- chronic issue which was fixed by changing pets food, decided to put on a claim which was probably less than £50 cost t... See more

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Rated 5 out of 5 stars

Great service the vet was full of information, helped understand what was going on with my dog and I needed to do to take care of him while he was ill. I was able to get a video call within 30 mins -... See more

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Rated 5 out of 5 stars

I really appreciate the FirstVet service from Napo. It's such an incredibly valuable thing to be able to talk to a vet for free. I woke up today at 5 am because my cat was wheezing, and half-asleep, I... See more

Rated 5 out of 5 stars

I booked an appointment first thing in the morning and was able to speak to a vet within a couple of hours. The vet was super helpful and knowledgeable. Would 100% recommend this service

Rated 5 out of 5 stars

From start to finish with our claim Napo kept us updated at every step of our claim and it was resolved in 5 days can not recommend this company enough 5 star rating

Company replied

Rated 5 out of 5 stars

The online consultation with a vet from FirstVet was very informative and reassuring. I’ve used FirstVet a few times now and always feel like I have been good advice.

Rated 5 out of 5 stars

I highly recommend Napo Pet Insurance they have been fantastic from start to finish. My sphynx cat Dobby got diagnosed with epilepsy. so we was constantly going to the vets, napo paid out very quickl... See more


Company details

  1. #13 of 33 best companies in Pet Insurance Company

About Napo Pet Insurance

Written by the company

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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.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

4K reviews

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Rated 5 out of 5 stars

Great service

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!!

2 February 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi DJ, we’re so happy to know you find our service worth it! As pet owners ourselves, we understand how important it is to help our lovely pets recover. That’s why we’ve made our claims process as prompt as possible, so you can focus on supporting your pet’s recovery. We’re glad you felt that. 💙

Regards,
Moira from Napo

Rated 1 out of 5 stars

Beware of insane premium hikes

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.

5 February 2026
Unprompted review
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Reply from Napo Pet Insurance

Update : 18th Feb

Thank you for sharing your experience. I’m really sorry to hear how upsetting this has been, I completely understand how a jump from £26 to £88 per month can feel shocking, especially after only a couple of claims.

Renewal premiums are influenced by many factors such as age, breed, claims trends, and veterinary cost increases, which can sometimes result in rises as pets get older. I completely understand that this doesn’t make it any easier to manage, and I’m truly sorry it has left you feeling frustrated.

I also appreciate your feedback regarding our chatbot and the difficulty in reaching a human quickly. We know that speaking to someone directly can make a big difference, and your comments will help us improve how we support customers in the future.

While I understand this increase is not what you expected, I’m happy to go through your policy and explain the renewal in more detail if you like, as well as explore any options that might help make it more manageable for you.

Feel free to reachout to support@napo.pet. Thank you for being a valued customer, and I’m here to help however I can.

Best regards,
Lou from Napo

---------------

Hi there,

Thank you for taking the time to leave your review, although I'm sorry your experience wasn't as expected.

I'm going to take a look into this. So that I can, please do reply back to our information request.

Best wishes,
Nikhil from Napo

Rated 5 out of 5 stars

Napo - amazing dog 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.

4 February 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Lois, we’re so glad you had a great experience with Fiona, and thank you for sharing it with us! We hope Bebe is feeling better, and give them a cuddle from us. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Napo has been the easiest 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.

4 February 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Tanya, thank you for your kind words. As pet owners, we understand how worrying it can be when a pet is unwell, so providing support every step of the way and making our claims process as easy and informative as possible is our priority. We’re glad we came through for you. If you or your lovely pet ever need any other help, not just with claims, please don’t hesitate to reach out. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

I’m genuinely blown away by Napo

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.

2 February 2026
Unprompted review
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Reply from Napo Pet Insurance

Hi Samuel, we’re glad you found our claims process efficient . We know how stressful it is to have a sick pet, so we want to make sure getting help is as easy as possible so you have one less thing to worry about. We hope your lovely pet is feeling better.

Regards
Moira from Napo

Rated 2 out of 5 stars

Be very careful when insuring your pet

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.

3 February 2026
Unprompted review
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Reply from Napo Pet Insurance

Update: Thank you for your follow-up, and we completely understand why it might feel like your private emails are being delayed while public comments get a quicker response. We are really sorry if it has felt that way, that’s never our intention.

We respond quickly to public posts to let you and others know that we’re aware of your concerns and taking them seriously, even while a full review of your private message is underway. However, sometimes it can take a little longer to get back to you, as our team needs to carefully review the details of your message and policy to provide an accurate and thorough response.

We really value your patience.

Lou
Customer Champ | Napo
--------------------------------------------------
Thank you for sharing your feedback. We are really sorry to hear that you’re frustrated with the increase in your premium.

At Napo, we always aim to make our pricing fair, but we know that sometimes renewal costs can increase due to wider factors like vet costs, risk assessments around the breed and your pets age.

We understand that this doesn’t make things any easier, and we really appreciate that you’ve already reached out to us, thank you! Our team is reviewing your query, and we’ll get back to you with a detailed response as soon as possible.

We really appreciate your patience and want to make sure everything is clear.

Lou
Customer Champ | Napo

Rated 1 out of 5 stars

Ridiculous premium increase

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.

3 February 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Update 18th Feb

Thank you for sharing your experience. I completely understand how upsetting it must be to see your premium increase.

Renewal prices are influenced by factors such as age, breed, claims history, and rising veterinary costs, which can sometimes lead to increases as pets get older. I know this doesn’t make it any easier to manage, and I’m truly sorry it’s caused you frustration.

I can also see that you’ve spoken with us recently, and I hope you found that conversation helpful in explaining your options and giving more clarity on the renewal.

Thank you for being a valued customer, and I’m here to support you however I can.

Kind regards,
Lou from Napo

------------

Hi there,

Thank you for reaching out and leaving your review!

I'm sorry about your renewal experience with us.

So that I can take a look into it, I've requested some further information via Trustpilot. Please do respond back there so that I can investigate.

If you need us in the meantime, please reach out at support@napo.pet.

Best wishes,
Nikhil from Napo

Rated 5 out of 5 stars

Excellent 5* service

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

2 February 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Jane, we’re so glad you had a great experience with Sarah, and thank you for sharing it with us! We hope your lovely pet is feeling better, and give them a cuddle from us. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Amazing service from Napo

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.

20 January 2026
Unprompted review
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Reply from Napo Pet Insurance

Hi Roselyn, thank you for such a lovely review. It’s important to us as pet owners and a business that our members are kept in the loop through every (and any) stage of their time with us, even for continuation claims. We’re so pleased to have you and Milo in the Napo family. If you need to contact us again, please don’t hesitate to reach out via our online chat or social channels. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Absolutely amazing service

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.

29 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Richard, thanks for the great feedback. We know it must have been stressful when your lovely dog became unwell, and we know the last thing you want to be worrying about is chasing claims. We’ll be transparent and keep you updated every step of the way. If you ever need to speak to us again, please reach out on our online chat and social media. We’ll be happy to help! 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

First ever claim on an expensive policy…

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

30 January 2026
Unprompted review
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Reply from Napo Pet Insurance

Hi Badgers, we’re happy to hear that you’re impressed with our claims process. We do our best to make things as easy as possible because we know how important it is for your pet to recover, and our goal is always to support that. We’re glad we came through for you. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Efficient, compassionate service.

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.

3 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Shirley, thank you for taking the time to leave your feedback, and we’re glad you felt well supported. Having a sick pet is stressful, and we want to be as transparent and supportive as possible, so you can focus on helping your lovely pet feel better. If you ever need our help again, don’t hesitate to reach out. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Fast and extremely easy

Fast and extremely easy, can’t thank NAPO enough for helping though a stressful time

29 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Taff, thank you for your kind words. We’re glad we were able to help you and your lovely pet. If you need any further support, please let us know. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Such EXCELLENT and Professional…

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 !!

30 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Timothy, thank you so much for your lovely review. At Napo, we’re a team of pet owners ourselves, so we truly understand how important it is to feel supported. That’s why we work hard to make our claims process as simple as possible while keeping you updated every step of the way. We’re always here if you or Nellie need any further help.💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Worth the money- claims are easy and…

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.

28 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Rebecca, thanks for the great feedback. We know it must have been stressful when your lovely pet became unwell, and we know the last thing you want to be worrying about is chasing claims. We’ll be transparent and keep you updated every step of the way. If you ever need to speak to us again, please reach out on our online chat and social media. We’ll be happy to help! 💙

Regards,
Moira from Napo

Rated 1 out of 5 stars

Save your money in a savings account for emergencies instead.

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.

27 January 2026
Unprompted review
Rated 5 out of 5 stars

Straightforward, hassle-free, excellent service

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

27 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Shannon, thank you for your great review. We know how stressful visiting the vet can be, and while we can’t always take the worry away, we do aim to make our process as straightforward as possible. We’re glad you felt supported, and we hope your lovely pet is recovering well after the tooth extraction. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

My golden retriever

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.

21 January 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Nicholas, we think it’s really important to make the claims process as simple as possible, and keep you updated at all times. You and Herbie should be spending time chasing toys and tails, not claims. We hope they’re on the mend, and we’re here if you need to get in touch. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Used the free FIrstvet online vet as we…

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.

25 January 2026
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Mark, the FirstVet service really is amazing, isn’t it! We’re so glad it gave you peace of mind, and we hope your lovely pet is feeling better. Give them a fuss from us. 💙

Regards,
Moira from Napo

Rated 5 out of 5 stars

Excellent service

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.

26 January 2026
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Dylan, it’s definitely great to have unlimited consultations with a vet in the comfort of your home. We’re glad you find the service helpful. We hope it has brought you peace of mind and that your pet is on the mend. We’re always here if you need any other help. 💙 

Regards,
Moira from Napo

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