Napo is a UK pet insurance provider offering pet insurance built on a simple observation: insurance is judged at the moment a pet falls ill. A diagnosis, a vet’s estimate, a claim that needs paying. Too often, that is where pet insurance lets people down. Napo was founded to change that.
The company is named after Napoleon, our founder’s dachshund. Our mission is simple: protect pets, support their people, and help millions give their pets longer, healthier, happier lives.
Setting a new standard for pet insurance
We build the pet insurance we want for our own pets: fast, fair and human. That means quick decisions, fair pricing, and support that shows up when it matters most.
Claims that work when it matters
Claims are where trust is won or lost, so we treat them as the heart of the business. Our pet insurance claims are settled in 3 to 4 days on average, with the large majority (> 90%) closed within a week. Every claim has a single owner on our team, so customers deal with one person who knows their case from start to finish.
That approach has been recognised by the industry. Napo holds a Which? Best Buy, and our claims team won three awards at the Insurance Times Claims Excellence Awards, including Claims Team of the Year (MGA).
Technology at the service of the product, always
Napo is a full-stack, technology-native business. We own pricing, claims and the customer experience end to end, which lets us apply technology where it makes a real difference to pets and their humans.
We use AI in two places where the benefit is clear:
• Pricing: understanding risk more precisely, so customers pay a fair price for their pet.
• Claims: assessing and paying claims faster and more accurately, so owners are not left waiting when their pet is unwell.
What we do not automate is empathy. When someone contacts us about a sick pet, they speak to a person who understands what they are going through. Automation handles the routine work so our team has more time for the conversations that matter.
Growing with strong partners
Napo is backed by leading investors including Mercia, DN Capital, MTech Capital and the Companion Fund (Mars Petcare’s pet-care venture vehicle), and is chaired by Tim Smyth, chairman of the Managing General Agents’ Association, who has spent the last 15 years building and scaling UK MGAs.
Customers can buy Napo directly at www.napo.pet, through the UK’s leading price comparison sites, or via our partners, including affinity brands and distribution partnerships.