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Napo: Pet insurance reviews

Name: Pet insurance
Rating: 3.47 (30 reviews)

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3.51

Based on 30 reviews, last reviewed 12th Dec 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

60%

4 star

2 star

37%

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

Latest lowest rating:

1

Avoid - they twist vet notes to deny legitimate claims I’m honestly shocked at how Napo has handled not one, but two separate claims for my dog, Lexi. Both were essential, vet-recommended treatments — and ... Read more Reviewed on: 21st October 2025

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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.

Napo Pet insurance reviews (30)

Review of the Napo, Pet insurance:

I wrote and email to Napo CEO and to his vice on the...

I wrote and email to Napo CEO and to his vice on the 18th April, and didn't received any reply, and not happy with that the CEO *** have deleted my post on linkedin and blocked me, that reveals how much he cares about costumers. Dear *** & *** I truly apologise for the inconvenience and I don't want to waste your, my time. I've been in touch with a couple of Napo members regarding my pet insurance renewal. Unfortunately no one was kind enough to justify the 91% increase in my pet's policy. I received an insensitive email saying that to renew my insurance I would have to pay £67 per month, I was paying £35 The increase is 91,4286% and I haven't made any claim in the last 12 months, I didn't change my address, I didn't change my pet, only the inflation don't justify the increase, and my excess also increase from £75 to £99 If you have the dignity to explain the increase I'll be delighted to renew, however the most important for me is the costumer service and at the moment yours is below zero, I'm not a number, I've a name and I'm loyal with the people who care about me, obvious at the moment you don't care, as I've been told to explore other avenues, and that make me laugh because once again the costumer service is zero, it seems that we are completely different as I feek so proud that my clients continue to do business with me year after year. Thanks in advance for your time and looking forward to hearing from you. Your's Sincerely Reviewed on: 30th April 2024

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

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

NOT PAYING OUT

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

NAPO: Never Actually Pay Out

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

Love the company - they care and it shows.

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

Excellent insurance for pets

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

Exceptional coverage and peace of mind for my pup

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

Napo has our back

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

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

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

Napo has been amazing!

Napo has been amazing! They genuinely care about you and your dog, and it shows in every interaction. Anytime I’ve reached out, the team has been super friendly and helpful. It feels like talking to real people who love animals, not just another insurance company thinking about making money. They go above and beyond to make sure you’re taken care of. Napo makes the whole process simple and personal. Highly recommend them! Reviewed on: 4th September 2024

Through your pets life, Napo has you covered

My 5 star. Trustpilot review last year Thank you team through this difficult time I want to take a moment to express my deepest gratitude to Napo Pet Insurance for their exceptional service and compassion. Thank you for everything you and the vets have done to try and keep Beldi in our family's life these last few weeks, not in a million years did we expect this level of support and empathy from an insurance company and you delivered on both during such a difficult time. Reviewed on: 4th September 2024

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