Napo Pet Insurance Discussion

MSE_Tony

Hi,

This is a feedback thread on pet insurance provider:

Napo

Please share your experience with other MoneySavers. Click reply to take part:

• Have you experienced problems?
• How quick did they help?
• Happy with the overall service/premium?

The feedback comes as part of the Cheap Pet Insurance guide.

Thank you,

MSE Tony

buckrogers

Has anyone here taken a pet insurance with Napo, got a quote for

£53.99/month £4000 each year Lifetime cover

You'll only pay £99 excess

and 20% co-pay

and

More than

£49.97  per month. up to £4,000 for each accident or illness each year Lifetime cover

Fixed excess of £100 plus 20% compulsory 

was with Animal friends, but now have done away with cover for pre-existing conditions

put up price

Your new yearly price: £639.24 -  Last year's price: £504.84

£159 excess plus 20% compulsory  £4000 Lifetime

Thank you

onlineid

Be warned the competitive pricing to get you to take out a policy. This time last year my monthly premium for a puppy was £31. Price then increased to £49. Just received my renewal - it’s gone up again despite no claims this year. They are now wanting £89 per month, plus the excess has also increased. Looking to move as the annual increases are ridiculous.

Mikmonken

I recently had a pretty awful experience with Napo that ended up being referred to the Financial Ombudsman, in short they took a single incident as a puppy to reject a £1,000 claim.

Ombudsman agreed with me that this was unfair and awarded compensation.

At the same time as them rejecting my claim they tripled the premium, which seems to be common after the initial seemingly bargain first year.

sheramber

First year gets a discounted price to tempt you in.

Following year is normal rate plus annual increase.

Most companies increase premiums if you make a claim , so another increase.

The few companies who do not increase premiums if you make a claim charge higher premiums. 

Some you win, some you lose. 

Insurance companies are not an NHS for pets. They are a business which is  trading to make a profit for the shareholders.