Napo vs Petgevity
Which Pet Insurance Is Better?
Petgevity 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.
Napo
Petgevity
Price & Cover Comparison
| Metric | Napo | Petgevity |
|---|---|---|
| Editor Rating | 4.0/5 | 3.6/5 |
| Dog Price From | £7.00/mo | £15.00/mo |
| Cat Price From | £5.00/mo | £10.00/mo |
| Max Vet Fee Limit | £10,000 | £15,000 |
| Excess From | £70 | £95 |
| Trustpilot Score | 4.4/5 | 3.8/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Napo | Petgevity |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
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
Petgevity
Pros
- Pre-existing condition cover on Lifetime Plus, rare in the UK market
- No upper age limit on Lifetime Plus policies
- Vet fee cover up to £15,000 per year, resetting on renewal
- One policy can cover up to eight pets
- FirstVet 24/7 video consultations available as add-on
Cons
- Premiums tend to be higher to reflect cover for older pets and pre-existing conditions
- Some useful features (dental illness, travel, missing pet) are paid add-ons rather than standard
- Trustpilot score and review volume modest for a UK insurer
- No Defaqto rating yet
Editor's Verdict
Napo earns a higher editor rating (4.0 vs 3.6), reflecting stronger overall value. Petgevity provides higher maximum vet fee cover (up to £15,000), 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.
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