Napo Pet Insurance Reviews 

4,732
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 727 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention how remarkably fast and straightforward the claim process is, with many people receiving quick payouts and helpful status updates directly. Consumers also deeply appreciate the friendly staff and online veterinary consultations, which offer truly wonderful reassurance and very practical guidance during stressful medical situations. People often highlight that submissions are handled smoothly, giving them complete peace of mind while their cherished pets receive proper care. However, some customers also noted that renewal prices can increase significantly over time, leading to unexpected costs and genuine frustration for policyholders.

What people talk about most

Claim

Users describe positive interactions with claim, noting that the overall process is easy, straightforward,... See more

Service

Customers consistently note positive experiences with service, highlighting the efficiency and... See more

Staff

Consumers find staff to be positive, helpful, and exceptionally supportive during difficult times. Reviewers... See more

Customer service

Clients share positive opinions on customer service, highlighting fast and helpful interactions. Consumers... See more

Price

Customers consistently express deep disappointment and frustration with soaring renewal prices and excessive... See more

Reviews shaping this summary

Rated 5 out of 5 stars

At first when I started the process of making the claim, I was a bit disheartened to find out an email needs to be sent to the vets, as I’d been informed by the veterinary practice they don’t work di... See more

Rated 5 out of 5 stars

We've been with Napo for several years on a lifetime policy. Our dog was diagnosed with epilespy and had numerous hospital visits, repeat prescriptions and health checks through the years. For every s... See more

Company replied

Rated 5 out of 5 stars

Absolutely excellent from first contact to claim payment only one query which was answered almost emediatly Would recommend 100%. Paid out with 2 weeks Can not thank you enough for your efficien... See more

Rated 5 out of 5 stars

After a second year with Napo, my price for my policy rose - I was not happy and requested a call. (frustrating at the outset not to be able to contact someone directly) Fortunately for me, my cu... See more


Company details

  1. Pet Insurance Company
  2. Insurance Agency

About Napo Pet Insurance

Written by the company

Get a quote

All about Napo

Named after the founder’s scruffy Dachshund, In 2021 we decided to make pet insurance better for owners like us and you. This means more value, less hassle, easy to understand policies, and super comprehensive cover.

Comprehensive insurance

Our £16,000 policy being named most comprehensive on the market by Which?. Plus our £8,000, £12,000 and £16,000 dog insurance policies have been recognised as a Which? Best Buy.

Fuss-free claims

Our claims are quick, easy, and all online. You can do it, or your vet can for you. We can also pay them directly. So you can focus on your pet, not the paperwork

Free video vet calls

You’ll get free 24/7 vet and behaviourist calls. So you can always get expert help when you need it.

Low excess

We have a low excess charge of £99 per condition, per policy year. And that’s for all policies!

We’ll call you

If there’s something you’re keen to talk to us about, speak to one of our fantastic customer champions and they’ll arrange to call you at no cost to you.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

No history of asking for reviews

This company hasn't invited their customers, so reviews may not be representative

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(4,732)

660 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

This was my first time making a claim…

This was my first time making a claim with Napo, and I’m extremely happy with the experience. I’d heard mixed reviews beforehand, so I was a little uncertain about how the process would go, but Napo handled everything incredibly quickly and all of her emergency surgery has been sorted.

I actually had more issues dealing with the vets than I did with Napo! Really impressed with how smooth and stress-free the claim process was, especially during such a worrying time. Super happy with the service — thank you, Napo!

3 September 2026
Unprompted review
Rated 2 out of 5 stars

Didn’t pay out for my cat Luna’s…

Didn’t pay out for my cat Luna’s dentistry because apparently she hadn’t had a dental checkup within a required timeframe and we were out by a few months. It would be nice if they made it clear that this is necessary because it is not intuitive.

26 August 2026
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi Ed,

Thank you for taking the time to leave your review, although I'm sorry that your claim outcome wasn't what you were wanting.

I'm going to take some time to review your experience before getting back to you here.

If you have any other questions or concerns, please don't hesitate to reach out to us at support@napo.pet

Best wishes,
Nikhil from Napo


*** UPDATE 04/09/2026 ***

Hi Ed,

Thank you for your patience while I looked into your experience.

When it comes to dental claims, as you have noted, what is not covered is:

"Any dental treatments received by your pet if your pet hasn’t had an annual dental check-up in the 12 months prior to the symptoms of the injury or illness being identified"

This is confirmed under "1.2 Dental Treatment", page 12 of the policy document.

As with all claims, we're happy to reassess if the treating vets can provide further information. I can see that my colleague has confirmed next steps for you regarding this.

Thank you again for your patience and please do reach out if you need any support.

Best wishes,
Nikhil from Napo

Rated 1 out of 5 stars

Claim Declined

My dog has had a series of stomach bugs over the years and I recently changed to NAPO
Five months after joining I noticed that she was being sick and had diarrhoea so took her to vets.
She had usual treatment for bugs and upsets which this time failed to work.
Ultimately she has now been diagnosed with inflammatory bowel disease.
I put in a claim to NAPO as a result of this, and it was declined as she has had previous gastro-illness.
She has never had or been diagnosed with IBD before, and they declined the claim.
Using occasional bugs as an excuse to call this a pre-existing condition is disgusting and wrong. the whole point of having insurance is that at a time of extreme worry and concern, the one thing that you don't need to worry about is the cost of the medical investigations. In this case, Napo straight declined. Hugely disappointing and I will be making a complaint and ultimately be taking this to the ombudsman

2 September 2026
Unprompted review
Napo Pet Insurance logo

Reply from Napo Pet Insurance

Hi there,

Thank you for your feedback, and I'm really sorry to hear you've had such a negative experience. I'll now take a closer look into this for you and will be in touch later in the week. Take care,

Skye
The Napo Team

Rated 5 out of 5 stars

This company are very good and always…

Napo are very good and always get back to you to let you know about your claim also when the payment will be made.

What I do I pay the vet, and they sort out the claim in for me.

If you need to take your pet back for the same issue, make sure you tell the vets to put continuation on the claim form so they don't charge you the excess again.

When you email them about any queries they don't take long to reply.

I would recommend them.

20 August 2026
Unprompted review
Rated 5 out of 5 stars

Easy to initiate a claim and very quick…

Easy to initiate a claim and very quick to respond and pay out. The 24hr video vet consultations are also incredibly helpful. I have had my policy a few years and never needed it until last weekend when Buster required emergency surgery for an obstructed bowel. The vets were able to claim directly through Napo and I am so relieved we had the policy - it made a very upsetting and anxious time far easier than it would have otherwise been. Thank you Napo! From Leanne and Buster 🐾

25 August 2026
Rated 5 out of 5 stars

We have been with Napo for two years…

We have been with Napo for two years now and have had to use them a few times for our two Springers. We have had nothing but great customer service from this company from start to finish. Simple the best!

30 August 2026
Rated 5 out of 5 stars

I am new to Napo and I can not fault…

I am new to Napo and I can not fault them. A week ago I used the free Just vet app that you can download and use for free when your with Napo regarding my cockapoo Bonnie and it was so easy to use. The vet video called me and said to make an appointment with my vet within 24hrs and it put my mind at ease. Would recommend.

20 August 2026
Rated 5 out of 5 stars

Trust Napo

At first when I started the process of making the claim, I was a bit disheartened to find out an email needs to be sent to the vets, as I’d been informed by the veterinary practice they don’t work directly with any insurance company. However the following day it’s all been sorted & payment is due shortly. I’m very impressed.
Many thanks Napo

27 August 2026
Unprompted review
Rated 5 out of 5 stars

Went through my Napo pet insurance to…

Went through my Napo pet insurance to speak to FirstVet after having no luck with my usual vet. The lady was very thorough, friendly, listened to my concerns and gave some advice. Assured me that I can call back throughout the night if I have any problems.

25 August 2026
Rated 5 out of 5 stars

What a great experience from the time I…

What a great experience from the time I connected with a vet online I had a video call within 30 minutes and the vet was great she put me at ease and reassured me that my fur baby was in no immediate emergency and gave me the best advice, thank you Napo as where I live my vet is 20 minutes away, what a great kind, fast service 🙏

24 August 2026

Is this your company?

Claim your profile to access Trustpilot’s free business tools and connect with customers.

Get free account

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look