Everypaw vs Napo
Which Pet Insurance Is Better?
Everypaw 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.
Everypaw
Napo
Price & Cover Comparison
| Metric | Everypaw | Napo |
|---|---|---|
| Editor Rating | 4.3/5 | 4.0/5 |
| Dog Price From | £10.00/mo | £7.00/mo |
| Cat Price From | £7.00/mo | £5.00/mo |
| Max Vet Fee Limit | £12,000 | £10,000 |
| Excess From | £60 | £70 |
| Trustpilot Score | 4.1/5 | 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 | Everypaw | Napo |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Everypaw
Pros
- Defaqto 5-star rated — same Allianz underwriter as Petplan
- Direct vet payment for claims over £150
- More affordable than sister brand Petplan
- No upper age limit for policy renewals
Cons
- Smaller, less established brand than Petplan
- No mobile app — online portal only
- Limited to lifetime cover only — no budget-tier options
- Fewer Trustpilot reviews make it harder to gauge customer experience
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
Everypaw earns a higher editor rating (4.3 vs 4.0), reflecting stronger overall value. Everypaw provides higher maximum vet fee cover (up to £12,000), which may suit owners who want comprehensive protection. On price, Napo starts from just £5/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.
Affiliate disclosure: Some links on this page are affiliate links. If you purchase insurance through them, we may earn a commission at no extra cost to you. This does not influence our editorial ratings or rankings.