Making the right choice: Waggel vs Napo.
Wondering who the best pet insurance provider is for you? Don’t worry, we did the research so you don’t have to. See how Waggel compares.
Data correct as of July 2024
Waggel provides more security for pets and their owners than other providers, including Napo.
If you’re considering purchasing pet insurance, you might be weighing up your options between Waggel and Napo. Here, we’ve done the work to compare the features of both brands to give you the confidence that your pet will be covered when they need it most.
We’ll review things like coverage and excess, the flexibility to change your policy as your pet ages without additional claim costs and extra benefits for you and your pet like free behavioural and nutrition consultations, access to 24/7 vet video consultations and exclusive member rewards.
At Waggel, we provide the best possible insurance for your pet.
Compare Waggel and Napo.
✅ Included⠀⠀❌ Not Included
Data correct as of July 2024
*Prices are based on a one-year-old, female medium mixed neutered dog living in London.
Waggel: £4,000 coverage, £100 excess
Napo: £4,000 coverage, £99 excess
What makes Waggel different.
Waggel lets you adjust your coverage.
With Waggel, you can customise your flexible policy by choosing from seven Annual Limit options (£1,000 to £15,000). We’re one of the only providers that let you adjust your Annual Limit and excess limits at renewal.
Napo only offers limited coverage options.
Napo’s options are limited to just four coverage options (£4,000 to £16,000), and they do not offer lower coverages under £4,000. While you can change your cover level, conditions apply.
Waggel lets you adjust your excess.
Waggel offers six fully adjustable excess options ranging from £0 to £500. This flexibility ensures you can find the right balance between your monthly payments and the amount you’re comfortable paying in the unfortunate event of a claim.
Napo limits you to a fixed excess of £99.
Napo limits you to a fixed excess of £99. You won’t be able to adjust your excess, which means less customisation in balancing your monthly payments and costs when you claim.
With Waggel, there are no co-payments for your pet as they age.
At Waggel, we want to support your pet throughout their lifetime. We don't require co-payments at any age - allowing you to keep control over your pet's healthcare expenses.
With Napo, you’ll pay an additional 20% co-payment as your pet ages.
Napo requires you to pay an additional 20% of each claim once your pet reaches the age of 9 - this is a common practice for pet insurance brands.
All of our claims are assessed by UK-based vet nurses, Napo’s aren’t.
A personal Customer Champion.
At Waggel, we’ll set you up with a dedicated Customer Champion with hands-on experience of the claims process, ensuring you have access to knowledge and expertise throughout your time with us. This is not the case for Napo.
Waggel offers exclusive member benefits.
Free vet video calls with Joii.
We've partnered with Joii to bring Waggel members exclusive access to 24/7 online vet care. Schedule immediate consultations and connect with a qualified UK-based vet through one easy-to-use app.
Free behaviourist & nutritionist video calls.
Waggel members get access to free consultations with Companion Animal Wellness, a team of behaviour and nutrition practitioners to assist you and your beloved furry friends. With their knowledge and experience, whatever the problem, they're here to help.
Your bespoke reward partners.
Butternut Box.
Fresh, home-cooked dog food, perfectly portioned and delivered to your door.
Biscuit Pet Care.
A free-to-use pet rewards app that treats you for walking and taking care of your dog.
TrustedHousesitters.
Free & unique home stays around the world, in exchange for caring for adorable pets.
Protect My Pet.
Tailored flea, tick and worm protection your pet needs, delivered monthly to your door. All sizes & breeds.
Pet Database.
Pet Database the only free database containing the details of microchipped pets with a UK-wide lost pet service.
Waggel goes further than Napo.
Waggel was created to make pet insurance simpler and more human. In our opinion, traditional pet insurance had become overly complicated, leaving many pet owners regretting their policy choices. We believe it's our responsibility to ensure you have the right policy and support every step of the pet ownership journey, even when you’re not claiming.
