Comparing your pet insurance options: Waggel and Napo.

Napo is one of the newer names in UK pet insurance, officially launching in December 2021. They offer Lifetime policies only, with four levels of cover ranging from £4,000 to £16,000. Napo looks to keep things simple by only offering a single excess of £99 per condition, per year. For pets over nine years old, a 20% co-payment on vet fees also applies.

When exploring your options, you’ll find that Waggel is also one of the newer brands on the scene, being founded in December 2018. Waggel’s belief is that pet insurance should take the stress out of your pet’s medical care, so you can spend more time giving them the love they deserve.

To achieve that goal, we set out to combine modern technology with a deeply human approach, aiming to be the most human pet insurer in the UK by keeping things super simple and fully personalised to you and your pet.

This page outlines our approach at Waggel, so you can see why hundreds of thousands of cats, dogs, and their humans choose to be part of our community.

Albert the Beagle noses into a picnic and crunches a chicken bone. At 9 p.m., you dash to the out-of-hours vet for X-rays and an endoscopy.

Quickly, you create a claim on your Waggel pet insurance dashboard. By the time Albert is curled on the sofa, the claim already shows as received, and real-time claims tracking adds extra confidence.

Your Customer Champion updates you and confirms they have received the vet info and history, so payment is on the way.

Before you know it, the money lands back in your account.

Read our pre-existing conditions guide and the policy explainer before claiming. Other restrictions may apply.