Best app-based UK pet insurance in 2026
Last updated
App-first insurers handle claims, policy changes and renewals from a phone. They suit owners who would rather snap an invoice and forget about it than file paperwork by post. Below are our four strongest app-first picks for 2026.
Our top four app-first picks
A tiered lifetime range, the most established app-first claims process in the UK, generous multi-pet discount and Wakam SA & SCOR UK underwriting.
Single Lifetime plan with dental, behavioural cover and a free 24/7 video vet line included. AXA underwriting behind it.
Single Lifetime plan, Red Sands underwriting, and a member benefits programme that includes behaviour-training credits.
The only specialist insurer with a serious app investment. No upper age limit at sign-up paired with modern claims tooling.
Side-by-side comparison
| Brand | ManyPets | Napo | Waggel | Agria |
|---|---|---|---|---|
| PetCoverPro score | 4.7 / 5 | 4.6 / 5 | 4.3 / 5 | 4.5 / 5 |
| Cover style | Lifetime | Lifetime | Lifetime | Lifetime |
| Plan tiers | Essential Care, Standard Care, Complete Care, Standard Care Pre-existing | Lifetime | Lifetime | Lifetime |
| Vet-fee limit | Up to £20,000 per year | Up to £16,000 per year | Up to £15,000 per year | Up to £12,500 per year |
| Excess from | From £69 | From £99 | From £99 | From £99 |
| Dental cover | Yes | Yes | Yes | Yes |
| Behavioural cover | Yes | Yes | Yes | Yes |
| Mobile app | Yes | Yes | Yes | Yes |
| Direct vet payment | Yes | Yes | Yes | Yes |
| Multi-pet discount | Up to 15% per additional pet | 10% off each additional pet | 10% off each additional pet | Up to 10% multi-pet discount |
| Max new-policy age | No upper age limit at sign-up | 8 years for dogs and cats | 8 years for dogs, 10 years for cats | No upper age limit at sign-up |
| Underwriter | Wakam SA and SCOR UK Company Limited | Inter Partner Assistance SA / AXA | Red Sands Insurance Company (Europe) Limited | Agria Försäkring (UK branch) |
| Get a quote | Visit ManyPets → | Visit Napo → | Visit Waggel → | Visit Agria → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
How to choose an app-first insurer
The three modern app-first brands — ManyPets, Napo and Waggel — are closer in claims experience than they are in cover terms. Pick on the differences that actually matter: ManyPets for the most established renewals track record, Napo for the bundled video vet line and dental cover, Waggel for the member perks and behaviour-training credit. Agria sits in this list as the only specialist insurer that has invested seriously in an app, and is the right pick if you want app convenience without giving up the no-age-limit specialist underwriting.