Having pets around makes and feels us alive. They are like our own family members, so it is our responsibility to ensure they also remain safe in any sickness or other conditions. Here comes the pet insurance role.
Half of the people in the UK (around 57% of people in 16.2 million houses) have 38 million pets. And this number is on the rise. So, pet insurance is the most important feed for your furry family members.
Pet insurance in the UK can help relieve financial stress by covering unexpected veterinary costs caused by accidents, sickness, or injuries. Without it, pet parents may face considerable out-of-pocket payments, potentially leading to difficult decisions about their pet’s health care or, in the worst-case scenario, inability to pay for necessary treatments, negatively impacting both the pet’s well-being and the family’s finances.
Today, we have the solution for this with Napo Pet Insurance. This is our detailed Napo pet insurance reviews post, where we have covered their coverage options, pros & cons, plans, and the claims process to decide if it’s the right choice for your pet’s needs.
So, let’s get to dive in depth-
Introduction to Napo Pet Insurance
JP Doumeng and Ludo Lacay founded Napo in March 2021 and operate with 70 employees. And the name Napo honors JP’s late dachshund, Napoleon.
Napo offers comprehensive lifetime coverage with free access to the best pet care services. You can have free, unlimited video chats with UK veterinarians and behaviorists at any time of day or night.
Napo provides coverage for dogs and cats. They also have a Puppy Academy for puppy parenting training where you will get expert advice on first aid, toilet training, walking, being home alone, and more.
And this academy is available exclusively for Napo customers free of cost. Here, you have the liberty to ask and get personal advice. Napo offers to pay vets directly, which makes it different from other pet insurance providers.
Napo offers a 15% multipet discount when you insure more than one pet. To get this multi-pet discount, request a quote and include another pet.
Pet insurance excess is the amount you agree to pay whenever you file a claim for a new condition. This money represents your contribution to the cost of veterinary treatment. Napo offers a modest pet insurance excess of £99 per condition each year.
Napo Pet Insurance promises to provide peace of mind by prioritizing customer service and speedy claim processing, allowing pet owners to focus on their furry family members’ well-being without worrying about the financial burden of unforeseen medical expenses.
Napo Pet Insurance Plans
Napo Pet Insurance covers a variety of eventualities, including accidents, diseases, and routine maintenance. Napo is committed to simplicity and openness, which distinguishes it, allowing pet owners to quickly understand and select the coverage that best meets their needs.
Napo provides pet insurance for dogs, puppies as they are older than 4 weeks of age, and cats. Here, we will look separately for both.
Napo dog insurance:
Napo provides comprehensive dog insurance policies that include lifelong coverage and travel and dental benefits.
Unfortunately, Napo cannot cover your dog’s pre-existing conditions in the previous 24 months.
If your dog hasn’t had any signs or symptoms, treatment, medication, or guidance for the ailment in the last 24 months, they will cover it.
Napo does not have a waiting period for dog insurance; they cover accidents that occur after 24 hours from the start date of your policy. They also cover any other condition that develops within 10 days of your policy’s start date.
Napo insurance features dental coverage at no additional cost. However, request that your dog receive an annual dental checkup and that a veterinarian provide treatments within three months of the suggestion.
Napo can provide pet insurance for older dogs before they become 15 years old and keep the coverage valid. If your dog is over nine years old, you must pay a co-pay and an additional 20% contribution towards each Claim.
Main Highlights of the Napo Dog Insurance Coverage:
- Up to 16k in vet fee cover.
- Accident and illness: We will pay for veterinary care if your pet becomes ill. This involves testing, procedures, hospitalization, medication, and more.
- Dental work: Napo covers dental ailments, such as tartar removal and extractions for accidents and illness, as well as veterinary scale and polish and extractions. All Napo insurance policies include up to £2,000 in dental coverage for accidents and diseases.
- Complementary treatment includes services such as physiotherapy to assist in healing a torn muscle or therapy to ease general aches, pains, and stiffness.
- Behavioral treatment: It addresses negative habits such as excessive grooming and making pets feel less worried while you are not present.
- Travel and holidays: You can use your Napo pet insurance while traveling in the EU. You’ll have coverage of up to £1000 to £2000 each year, which can be used for everything from emergency vet bills to rearranging your vacation plans if your pet goes missing or requires life-saving treatment.
- Emergency boarding: It covers the expense of boarding your pet in a kennel or cattery if you have to go to the hospital and cannot care for them.
- Finding a missing pet: Napo will cover the advertising costs and prize if your pet goes missing.
- Third-party liability: You may face legal action if your dog injures someone or causes property damage.
- Free 24/7 video calls with UK vets and behaviorists.
Napo cat insurance:
Napo offers comprehensive cat insurance plans with lifetime cover, plus everything from travel cover to dental included and more.
Napo offers a variety of insurance with four distinct coverage levels. So you can choose the one that best meets your and your cat’s demands.
As a Napo cat insurance customer, you can access free, unlimited, 24/7 video conversations with veterinarians and behaviorists via FirstVet.
Napo also insures cats and kittens. We can guarantee your kitten if it is older than four weeks.
Napo cat insurance does not cover pre-existing conditions. If your cat has not had any signs or symptoms, treatment, medication, or guidance for the ailment in the last 24 months, Napo will cover it.
Researching and comparing different plans is important, considering what’s best for your pet’s needs and financial situation. Read the terms and conditions for details about coverage, exclusions, and limitations.
Main Highlights of the Napo cat Insurance coverage:
- Up to 16k in vet fee cover.
- Free 24/7 video calls with UK vets and behaviorists.
- Cat insurance with dental cover for accidents and illness.
- 15% multi-pet discount when you insure more than one pet
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Napo Pet Insurance Price
Napo pet insurance’s actual cost depends on many factors, such as cat and dog insurance.
Here, you can see everything that can affect your insurance prices separately.
Napo dog insurance price: The average cost of dog insurance varies depending on the coverage you choose, where you reside, and characteristics such as your dog’s breed and age. You generally receive more extensive coverage and larger fee limitations.
There are other charges to consider in addition to your monthly premiums, such as excess payments. Napo provides a low excess of £99 per condition each year. If your pet is over 9, you will be charged a 20% co-pay at Napo.
Napo cat insurance price: The cost of cat insurance will vary depending on your cat’s breed, age, and location.
Premiums will also vary depending on the type of coverage you purchase. Like with home or vehicle insurance, paying a larger premium typically results in greater coverage.
Remember that the cheapest plan isn’t necessarily the best value if it doesn’t include the services you’ll most likely use. To select the best alternative, consider the cost of your pet’s demands and financial circumstances. Always read the tiny print to ensure you understand what you’re getting and any limitations or exclusions that may apply.
Napo Pet Insurance Discounts
Napo offers only limited discount options, while other pet insurance providers offer many discover unit options. Napo pet insurance offers a 15% multipet discount when you insure your two or more pets with Napo insurance. You can also insure multiple cats with Napo.
If you are an existing customer and want to add a pet to receive our multiple pet insurance discount, please get in touch with one of our customer service team.
Napo Pet Insurance Quote Process
Here is the outline of the steps involved in obtaining a Napo pet insurance quote:
- First, go to the Napo pet insurance website.
- Click on the Get your quote button in the top right corner.
- Enter your pet name and select it as your dog/cat and their gender.
- Then, enter your pet breed, date of birth, covered value, address, and email address.
- Add your second pet (if you have to avail of a 15% discount)
- Then click on the get quote button.
- Then, you will get an estimate quote for your pet insurance.
- In the image below, you can see the example.
- If the quoted price seems suitable, click continue and pay.
- Then read the terms & conditions, click on continue, enter your personal information like name, date of birth, email, and phone number, then click on continue.
- This way, you can get a pet insurance quote from Napo Insurance.
This quoted price was taken from the Napo website, but your pet insurance quote may vary from this quote based on your pet’s breed and location. And it can be cheaper if you have more than one pet. Then you can get a 15% discount as well.
But we advised you to compare quotes from multiple pet insurance providers to ensure you get the best value for the coverage you need.
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Napo Pet Insurance Customer Service
There are many ways to get Napo Pet Insurance customer service, like live chat, Faq, and much more. We have described each method of connecting with the Napo support team in detail.
- Live chat: Napo has a blue chat icon in the bottom-right corner of their website, where you can get answers every Monday through Friday from 9 a.m. to 5:30 p.m. You can contact FirstVet from your dashboard anytime if your pet requires immediate medical attention.
- Phone Support: You can call Napo pet Insurance contact number via their callback service. And for that, you need to schedule a call.
- Email: If you prefer to document your communications, email them at support@napo.pet.
- Social Media: Napo has a presence on social media platforms like Facebook and Instagram. You can send a direct message through these platforms.
- FAQs and Help Centers: Napo has a Frequently Asked Questions (FAQ) section or a dedicated help center on their website.
Remember to have your policy number and other relevant information available when you contact customer care, as this will assist in streamlining the process and ensure a more efficient answer to your question.
Napo Pet Insurance Claims Process
First, take your pet to a professional veterinarian for an examination and treatment. This can apply to an accident, illness, or any other condition covered by your insurance.
You must gather all relevant papers for the treatment. This includes thorough vet invoices, medical records, and a completed claim form. Some insurers may additionally demand a diagnosis or a note from the veterinarian.
Napo can pay you or the vets if you desire. On average, Napo pays claims through the vet portal within two weeks; in many cases, claims take an average of four weeks to pay.
Here are the steps to file a Napo pet insurance claim:
- Go to your dashboard (Login into your account with your email address).
- Select your pet’s policy.
- Select the blue Claim for [pet] button.
Napo pet insurance Pros & Cons
Here are the benefits and cons of Napo insurance and insights into what to look for when evaluating any pet insurance provider, including a hypothetical company like Napo.
Pros:
- Napo offers a 15% Multipet discount.
- It offers a vet portal, which allows vets to claim on your behalf, and we can pay your vet that way, too.
- There is no waiting period to kick in your pet insurance.
- Free puppy academy for Napo customers
- Unlimited, 24/7 video calls with UK vets and behaviorists
- 5 stars Defaqto Ratings
- 5 stars dog and cat insurance rating from Fairer Finance
- 2323 reviews with 4.6 stars and an excellent rating on Trustpilot
Cons:
- Cost: Premiums might be high, particularly for older pets than 9 years old or breeds prone to health problems. Throughout a pet’s life, the insurance cost may outweigh what you would have paid out of pocket for care.
- Don’t cover pets when they’re outside of the UK or the EU.
- Do not cover any pre-existing conditions your dog’s had in the last 24 months.
- Pet insurance coverage information must be provided on their official website.
- Fewer coverage options for cat insurance
- Napo doesn’t have any app.
If you’re considering getting Napo pet insurance, you should assess the positives and downsides against your financial circumstances, your pet’s health, and risk tolerance. We hope it allows you to make an informed decision.
Napo Pet Insurance Reviews
Napo Insurance has received excellent reviews from third-party rating platforms like Fairer Finance, Defaqto Ratings, and Trustpilot.
Napo has got 5-star ratings from both Fairer Finance and Defaqto and has got 4.6 stars and excellent ratings with over 2,000 reviews on Trustpilot.
All these reviews and ratings make Napo a legitimate pet insurance provider for your pet security.
Comparing Napo with Competitors
There are many pet insurance providers in the UK. You can consider any one of them. Here, we have mentioned almost every pet insurance provider competing with Napo in the pet insurance field.
Petplan: Petplan is one of the largest pet insurance providers in the UK, and it is known for its comprehensive coverage. They provide several plans, including Covered for Life, popular among pets with chronic diseases.
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Direct Line: Provides versatile insurance, including an Essential policy with 12 months of coverage for each disease and an Advanced policy that covers ongoing conditions. Direct Line also provides multi-pet savings.
More Than Than offers multiple coverage levels, including Premier cover, which pays up to £12,000 in vet bills per year. They also have a unique feature that allows you to apply unused premiums toward your deductible.
John Lewis Finance Pet Insurance: Covers up to £12,000 in vet fees and includes dental disease and behavioral therapies. Policies offer a variety of deductible alternatives to assist in managing rates.
Animal Friends: Provides a variety of insurance, from accident-only to lifelong coverage. Animal Friends is known for its ethical stance and contributing profits to animal welfare causes.
Many pets: For pets under two, premiums are fixed for life, and there is a money-back guarantee if you do not claim. Their Complete policy provides up to £15,000 of yearly coverage, among the largest available.
LV: Offers 10% discounts for several pets and up to £10,000 in vet fee coverage. Their insurance includes a 24-hour vet helpline and coverage for diet food prescribed by a veterinarian.
Tesco Bank: Provides various coverage options for £4.16 per month, including an Extra policy that covers a high degree of veterinarian fees. Tesco Clubcard holders can also receive exclusive savings.
When researching alternatives to Napo Pet Insurance, get quotations and thoroughly examine the terms and conditions of each product to ensure it matches your requirements. Make an informed decision by considering coverage limits, exclusions, deductibles, and customer reviews.
Conclusion
When looking into pet insurance in the UK, assessing your alternatives carefully is critical. While Napo Pet Insurance may provide benefits targeted to some pet owners, researching alternatives can show various coverage options, price points, and customer care experiences that better meet individual needs.
Napo is comparatively new compared to other pet insurance providers and looking at their ratings and reviews on various platforms; I see that Napo is making a significant difference.
Companies such as Petplan, Bought By Many, and Agria are known for their comprehensive plans, high customer satisfaction, and unique perks.
Ultimately, the best option is determined by your pet’s individual health needs, financial circumstances, and the level of coverage desired. Thoroughly comparing policies and reading customer reviews might help you find the best pet insurance provider.
Is Napo pet insurance any good?
With real-time data or precise insights about Napo Pet Insurance’s policies and client evaluations, Napo has shown great progress and excellent service with its quality. So, Napo is a good pet insurance provider in the UK.
Is Napo a good pet insurance?
Individual needs and tastes determine whether Napo Pet Insurance is a good fit. It is good pet insurance based on its coverage options, customer service, claims procedure, and reviews. Compared to different insurers, Napo only offers comprehensive plans, while other kinds of pet insurance plans are available, like time-limited and max benefits.