ManyPets vs Napo
Which Pet Insurance Is Better?
ManyPets 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.
ManyPets
Editor's ChoiceNapo
Price & Cover Comparison
| Metric | ManyPets | Napo |
|---|---|---|
| Editor Rating | 4.6/5 | 4.0/5 |
| Dog Price From | £5.00/mo | £7.00/mo |
| Cat Price From | £4.00/mo | £5.00/mo |
| Max Vet Fee Limit | £15,000 | £10,000 |
| Excess From | £59 | £70 |
| Trustpilot Score | 4.3/5 | 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 | ManyPets | Napo |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
ManyPets
Pros
- One of the only UK insurers to cover pre-existing conditions
- Excellent app with quick photo-based claims submission
- Competitive pricing starting from £5/month for dogs
- 5x award winner including Moneyfacts and Insurance Choice Awards
Cons
- Pre-existing cover is a separate, more expensive policy
- No direct vet payment option — you pay upfront and claim back
- Maximum enrolment age of 10 years excludes older pets
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
ManyPets earns a higher editor rating (4.6 vs 4.0), reflecting stronger overall value. ManyPets provides higher maximum vet fee cover (up to £15,000), which may suit owners who want comprehensive protection. On price, ManyPets starts from just £4/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.