Napo reviews
Napo reviews
Verified businesses always have up to date contact details and can respond to reviews.
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Award winning organisation
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Fully digital service with no in-person branches
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Manage your account or policy via an app or website
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On-line application and approval process
Review summary
People rate this company as Average based on 29 product reviews
Latest positive rating
Very good with settling vet bills and very prompt.
Very good with settling vet bills and very prompt.
Latest negative rating
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... 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 both were wrongly rejected under the same excuse of “pre-existing conditions.” The first claim, for a heart scan, was done purely as a precaution before surgery to ensure Lexi was healthy enough for anaesthetic. It was preventative, not diagnostic, and our vet made that clear. Yet Napo refused to cover it, twisting the record of an old, mild heart murmur (noted years earlier) to claim it was the same “condition.” Then came the £1,470 surgery to remove an eyelid mass. Again, our vet confirmed this was a new issue, unrelated to an old irritation. Napo cherry-picked phrases from Lexi’s medical history to make it look like a continuation, while ignoring the context and the professional explanation from our vets. Both my vets were genuinely frustrated at how their clinical notes were used to justify refusal. Instead of protecting customers and their pets, Napo seems to be actively looking for loopholes to avoid paying out legitimate claims — even when the treatment is clearly new and medically justified. After paying for the policy in good faith, I’ve now been left £2,500 out of pocket for procedures that any fair insurer would have covered. The whole process has been exhausting, time-wasting, and deeply unfair. If you’re thinking of joining Napo because of their friendly marketing — don’t. Their customer service tone might be warm, but when it comes to claims, they’ll twist technicalities to get out of paying. Read more Read less
About Napo
Napo is an award-winning pet insurer in the UK.
Napo’s ethos is to help pet owners prevent vet bills in the first place by giving you free access to pet care services, so that your pet stays happy and healthy. Napo also offers a multi-pet discount.
Napo provides a comprehensive policy and a £99 excess you only pay once a year, per condition claimed.
Napo at a glance
Contact details
- [email protected]
- Social media
Reviews for Napo
Showing 11 of 29 company reviews
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... 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 both were wrongly rejected under the same excuse of “pre-existing conditions.” The first claim, for a heart scan, was done purely as a precaution before surgery to ensure Lexi was healthy enough for anaesthetic. It was preventative, not diagnostic, and our vet made that clear. Yet Napo refused to cover it, twisting the record of an old, mild heart murmur (noted years earlier) to claim it was the same “condition.” Then came the £1,470 surgery to remove an eyelid mass. Again, our vet confirmed this was a new issue, unrelated to an old irritation. Napo cherry-picked phrases from Lexi’s medical history to make it look like a continuation, while ignoring the context and the professional explanation from our vets. Both my vets were genuinely frustrated at how their clinical notes were used to justify refusal. Instead of protecting customers and their pets, Napo seems to be actively looking for loopholes to avoid paying out legitimate claims — even when the treatment is clearly new and medically justified. After paying for the policy in good faith, I’ve now been left £2,500 out of pocket for procedures that any fair insurer would have covered. The whole process has been exhausting, time-wasting, and deeply unfair. If you’re thinking of joining Napo because of their friendly marketing — don’t. Their customer service tone might be warm, but when it comes to claims, they’ll twist technicalities to get out of paying. Read more Read less
Napo overcharged me hundreds of pounds.
Napo overcharged me hundreds of pounds. On automatic renewal they have set up new, doubled amount of my previous monthly charge as a new premium... Napo overcharged me hundreds of pounds. On automatic renewal they have set up new, doubled amount of my previous monthly charge as a new premium without my consent. They have only sent me an email which went straight into the junk folder stating that my renewal is automatic, no new amount of charge was included. They were ripping me off for months. I was paying double what I used to pay. They've never asked or told me that they increase my monthly payment. I only found out after few months when I realised my money was disappearing from my account. They have rejected my complaint. Stay away from them. Sneaky and dishonest company. Read more Read less
Products from Napo
Showing all products offered by Napo
Pet insurance
by NapoNapo 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...
Pet insurance
by NapoNapo 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...
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