Napo vs ManyPets pet insurance

By the PetCoverPro editorial team Vet-reviewed by Dr Avron Taitz, BVSc

Last updated 9 July 2026

The two leading modern app-first UK pet insurers compared. Both pay vets directly, and both have apps that genuinely beat the legacy mainstream insurers on claims experience. ManyPets now runs a tiered lifetime range while Napo keeps to a single Lifetime plan. The interesting differences are in the multi-pet discount, the bundled extras, and the renewals history.

Quick verdict

ManyPets is the safer mainstream pick: more years of renewals data, the larger multi-pet discount, and the most established app-first claims process in the UK. Napo wins for first-time owners who value the bundled video vet and the included dental and behavioural cover. Quote both — the price gap can decide it on the day.

Side-by-side

Napo vs ManyPets pet insurance, compared
Brand	Napo	ManyPets
PetCoverPro score	4.6 / 5	4.7 / 5
Cover style	Lifetime	Lifetime
Plan tiers	Lifetime	Essential Care, Standard Care, Complete Care, Standard Care Pre-existing
Vet-fee limit	Up to £16,000 per year	Up to £20,000 per year
Excess from	From £99	From £69
Dental cover	Yes	Yes
Behavioural cover	Yes	Yes
Mobile app	Yes	Yes
Direct vet payment	Yes	Yes
Multi-pet discount	10% off each additional pet	Up to 15% per additional pet
Max new-policy age	8 years for dogs and cats	No upper age limit at sign-up
Underwriter	Inter Partner Assistance SA / AXA	Wakam SA and SCOR UK Company Limited
Get a quote	Visit Napo →	Visit ManyPets →

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.

Winner by criterion

Renewals track record

ManyPets

ManyPets launched in 2018 — longer renewals history than Napo (2021).

Bundled extras

Napo

Free 24/7 video vet and stronger out-of-the-box dental and behavioural inclusion.

Multi-pet discount

ManyPets

Up to 15% per additional pet versus Napo’s 10%.

Vet-fee limit headroom

ManyPets

ManyPets reaches up to £20,000 a year on Complete Care; Napo tops out at £16,000.

App quality

Tie

Both genuinely modern, app-first claims experiences.

Underwriter strength

Tie

Wakam SA & SCOR UK at ManyPets, Inter Partner Assistance / AXA at Napo. Both well-capitalised.

Frequently asked questions

Which is cheaper, ManyPets or Napo?

Pricing varies by pet, breed, age and postcode. Neither dominates consistently. Get a quote from both with the same pet details.

Do they both pay the vet directly?

Yes — both pay participating UK vet practices directly so you only pay the excess at the time of treatment.

Is the Napo video vet worth choosing Napo for?

For first-time pet owners, often yes — it catches a lot of "is this an emergency?" calls. For experienced owners with a good local vet relationship, less so.

Which is better for multi-pet households?

ManyPets has the larger multi-pet discount (up to 15% per additional pet) and a more established multi-pet account experience. Napo’s 10% is competitive but not category-leading.