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Napo: Pet insurance reviews

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3.24
Based on 32 reviews, last reviewed 28th Jan 2026
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Latest highest rating:

5

Quick fast service reliable. My 5 month old cockapoo puppy ate a sock - adult sock. It was out of hours so we had to get to an emergency vet - which was pricey, right before Chris... Read more Reviewed on: 12th December 2025
Samantha C's avatar
Samantha C

Latest lowest rating:

1

Put the money in a savings account instead of this. 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 ... Read more Reviewed on: 28th January 2026
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Fais
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About this product

Napo pet insurance offers lifetime cover for dogs and cats.

Napo provide many extras as standard including complementary treatment, dental work, travel and third-party liability. Napo can pay you or the vets, whichever you prefer. You also get unlimited expert video calls and an online claims process.

Napo pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Napo before, you can also leave a review and share your experience.

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Napo Pet insurance reviews (32)

This company really is brilliant

5
This company really is brilliant! They care about your pets, and their customer service is top class (Sam). Little things like sending your pet a birthday treat really go a long way. We all have insurance for one reason, and that is for times of need. And that’s when you see the real side to insurers. My dog became unwell recently, and although the claim hasn’t been settled yet, their customer service has been top class, and I’ve been kept informed. Everyone worries about small print, etc., and the ways insurance companies get out of bits, but honestly, Napo doesn’t seem like that at all. They have been straightforward and crystal clear. I’ll hopefully update once the claim’s completed, but honestly, I can’t fault them at all. Even down to their vets' portal—simple and easy to use for vets. Took less than 5 minutes for my vets to register and complete the forms. So thumbs up from them too. Reviewed on: 10th February 2025
Tom B's avatar
Tom B

Great service

5
My beloved boy Zane, an exempt XL Bully 'type' dog, sadly went on his way over the rainbow bridge on 19/12/24. Napo has been nothing but compassionate and has given fantastic customer service during this difficult time. Firstly, I received a beautiful pot plant from them with a message of condolence. Such a thoughtful thing to do. Considering my claim was over the Christmas period, it was dealt with efficiently, with minimum contact from them. My claim was completed on 10/01/25. My heartfelt thanks to all of the Napo team dealing with my claim, for making this difficult time a little easier for me. Their customer service is second to none. I would highly recommend them to anyone. Reviewed on: 8th February 2025
Anne C's avatar
Anne C

Caring and timely dealing with the sudden death of o...

5
Caring and timely dealing with the sudden death of our lurcher made it easier and personal Reviewed on: 5th January 2025
Pam's avatar
Pam

NOT PAYING OUT

1
Wr have been paying them lot's of money each month to make sure we are covered for our dog. They take months in getting back when a payment is due and then decline it eleven though the vets backed us and wrote to them saying the policy had covered it. We are now taking it further due to there response and time to pay what is owed. It's disgusting how they do this and warn everyone not to ho with them. Reviewed on: 28th October 2024
Tanya B's avatar
Tanya B

NAPO: Never Actually Pay Out

1
DONT INSURE YOUR DOG WITH NAPO!!!.They will scam you and refuse to pay. We are 2.5k down because of them. Our beautiful rescue cocker, Ted, had an emergency op for a piece of ball stuck in his gut. 5 weeks later and I've just found out they won't pay because he has an 'agressive' history. He was a police dog in training and had nipped his handler once so they had to let him go. For the record, Ted is a wonderful and loving dog. Oh, btw, they also ramped up the premium after the first year, despite not making a claim before. Reviewed on: 8th October 2024
Dan H's avatar
Dan H

Love the company - they care and it shows.

5
Love the company - they care and it shows. I received a birthday gift for my Luna 1 year old which I thought was super thoughtful Reviewed on: 7th September 2024
Peter J's avatar
Peter J

Excellent insurance for pets

5
Excellent insurance for pets, they were so helpful when our pet suffered an injury and made the process of claiming simple. It was always a personal service, the emails were written in a way that felt like they cared. They even sent a gift for our cats’ birthdays Reviewed on: 4th September 2024
Becky's avatar
Becky

Exceptional coverage and peace of mind for my pup

5
I never write a review but this company definitely deserves one!I couldn’t be happier with Napo for my dog. From the moment I signed up, with Napo the process was straightforward. Last month, my dog unexpectedly needed surgery, and the cost was significant. The claims process was quick, with clear communication throughout. They genuinely care about the wellbeing of my dog, at least that’s how they made me feel. Reviewed on: 4th September 2024
Ioanna N's avatar
Ioanna N

Napo has our back

5
I've been with Napo for nearly 3 years - both my cats are insured with them. As someone who was dubious about insurance in general, I approached with caution. But at every single turn, every time I needed Napo's assistance with claims, customer service or 24/7 care via online vet consultations, they raised the bar higher and higher. One of my cats has chronic stress cystitis which keeps coming back, but I have a peace of mind with Napo... Not only are they super speedy with claims, they are also great communicators, very easy to reach and get advice on the process of claiming or for questions. I find their content friendly and informative, and can tell that Napo was created by true animal lovers. I recommend them to all cat/dog parents around me. No horror stories with them, just support and warmth! Thank you Napo for having our back! Reviewed on: 4th September 2024
nbyndr's avatar
nbyndr

My new puppies needed fast insurance and it was easy...

5
My new puppies needed fast insurance and it was easy to get them set up with napo in minutes. Reviewed on: 4th September 2024
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BF

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