Napo vs Waggel
Which Pet Insurance Is Better?
Waggel has a higher editor rating
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
Waggel
Price & Cover Comparison
| Metric | Napo | Waggel |
|---|---|---|
| Editor Rating | 4.0/5 | 4.2/5 |
| Dog Price From | £7.00/mo | £15.00/mo |
| Cat Price From | £5.00/mo | £8.00/mo |
| Max Vet Fee Limit | £10,000 | £10,000 |
| Excess From | £70 | £69 |
| Trustpilot Score | 4.4/5 | 4.5/5 |
| 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 | Waggel |
|---|---|---|
| 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
Waggel
Pros
- B-Corp certified — ethical and purpose-driven company
- Free 24/7 online vet consultations included with every policy
- Clean, modern app with quick claims processing
- Lifetime-only policies — no confusing tier choices
Cons
- Higher starting price than budget competitors
- No accident-only or time-limited options for those on a tight budget
- Maximum vet fee cover of £10,000 is lower than some rivals
- No travel/abroad cover included
Editor's Verdict
Waggel earns a higher editor rating (4.2 vs 4.0), reflecting stronger overall value. 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.