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Review of the Napo, Pet insurance:

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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 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. Reviewed on: 28th January 2026

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