Petgevity vs Napo pet insurance
Last updated
Two challengers, both launched in 2021, both bundling free 24/7 FirstVet video calls — and built for opposite ends of the market. Napo is the tidy all-in-one plan for young pets and app-first owners. Petgevity is the flexible specialist that will insure the pets Napo will not: seniors and pets with medical history.
Quick verdict
If your pet is under 8 and healthy, Napo is the simpler buy: one Lifetime plan with dental, behaviour and the video vet all included, run through a genuinely good app. If your pet is older than Napo's age cut-off, or has a condition you need covered, Petgevity is the answer — no upper age limit, and a Lifetime Plus tier that can take on declared pre-existing conditions. The age of your pet largely makes this decision for you.
Side-by-side
| Brand | Petgevity | Napo |
|---|---|---|
| PetCoverPro score | 4.6 / 5 | 4.6 / 5 |
| Cover style | Lifetime | Lifetime |
| Plan tiers | Lifetime, Lifetime Plus | Lifetime |
| Vet-fee limit | Up to £15,000 per year | Up to £16,000 per year |
| Excess from | From £0 (you choose £0 to £500) | From £99 |
| Dental cover | Partial | Yes |
| Behavioural cover | Yes | Yes |
| Mobile app | No | Yes |
| Direct vet payment | Yes | Yes |
| Multi-pet discount | £1 off per pet, per month (up to 8 pets on one policy) | 10% off each additional pet |
| Max new-policy age | No upper age limit at sign-up | 8 years for dogs and cats |
| Underwriter | Great Lakes Insurance UK Limited (Munich Re group) | Inter Partner Assistance SA / AXA |
| Get a quote | Visit Petgevity → | Visit Napo → |
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
Older pets
PetgevityNo upper age limit at sign-up. Napo stops writing new policies at age 8 — a hard cut-off for senior pets.
Pre-existing conditions
PetgevityLifetime Plus can cover declared and accepted pre-existing conditions. Napo, like most of the market, excludes them.
Bundled cover out of the box
NapoDental illness and behavioural cover included as standard. At Petgevity, dental illness is a paid add-on.
App and claims polish
NapoA genuinely modern claims app versus Petgevity’s functional web portal. Both pay vets directly.
Premium control
PetgevityExcess tailorable from £0 to £500, charged once per condition per year, plus an optional bill share to trim the price.
Video vet access
TieBoth bundle free unlimited 24/7 FirstVet video calls with every policy.