Napo vs Petplan
Which Pet Insurance Is Better?
Petplan 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
Petplan
Editor's ChoicePrice & Cover Comparison
| Metric | Napo | Petplan |
|---|---|---|
| Editor Rating | 4.0/5 | 4.5/5 |
| Dog Price From | £7.00/mo | £12.00/mo |
| Cat Price From | £5.00/mo | £8.00/mo |
| Max Vet Fee Limit | £10,000 | £12,000 |
| Excess From | £70 | £60 |
| Trustpilot Score | 4.4/5 | 4.0/5 |
| 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 | Petplan |
|---|---|---|
| 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
Petplan
Pros
- UK's most established pet insurer with 45+ years experience
- Defaqto 5-star rated — comprehensive lifetime cover up to £12,000/year
- Direct vet payment available — no large upfront costs
- No upper age limit for policy renewals
Cons
- Premium pricing — more expensive than budget alternatives
- Excess includes a percentage co-payment for older pets
- Online portal can feel dated compared to newer insurtech competitors
Editor's Verdict
Petplan earns a higher editor rating (4.5 vs 4.0), reflecting stronger overall value. Petplan 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.