Animal Friends vs Napo
Which Pet Insurance Is Better?
Animal Friends offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Animal Friends
Napo
Price & Cover Comparison
| Metric | Animal Friends | Napo |
|---|---|---|
| Editor Rating | 3.8/5 | 4.0/5 |
| Dog Price From | £3.00/mo | £7.00/mo |
| Cat Price From | £2.00/mo | £5.00/mo |
| Max Vet Fee Limit | £12,000 | £10,000 |
| Excess From | £69 | £70 |
| Trustpilot Score | 4.5/5 | 4.4/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Animal Friends | Napo |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Animal Friends
Pros
- Extremely affordable — dog cover from just £3/month
- Donates millions to animal welfare charities
- Excellent Trustpilot score of 4.5 from 38,000+ reviews
- Full range from accident-only to lifetime cover
Cons
- No dental or behavioural cover on standard plans
- No app — claims process is web-based or phone only
- Defaqto 3-star rated — cover is less comprehensive than top-tier providers
- Maximum enrolment age of 9 is lower than most competitors
Napo
Pros
- Excellent mobile app with health diary and vet advice
- Fast claims — most paid within 3-5 working days
- Competitive pricing from £7/month for dogs
- Covers dental, behavioural, and hereditary conditions as standard
Cons
- Very new — only launched in 2022, limited track record
- No travel/abroad cover included
- No multi-pet discount available
- No direct vet payment option
Editor's Verdict
Napo earns a higher editor rating (4.0 vs 3.8), reflecting stronger overall value. Animal Friends provides higher maximum vet fee cover (up to £12,000), which may suit owners who want comprehensive protection. On price, Animal Friends starts from just £2/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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