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Napo Balance vs Pet Protect

Compare pet insurance features, coverage, and pricing between Napo Balance and Pet Protectto find the best protection for your pet.

Starting Premium

£124.20

Napo Balance

£95.20

Pet Protect

Maximum Cover

No limit

Napo Balance

No limit

Pet Protect

Customer Rating

4.2

Napo Balance

4.2

Pet Protect

Vet Fees Cover

Covered each year up to no limit per condition with £8,000 yearly limit

Napo Balance

Covered each year up to no limit per condition with £6,000 yearly limit

Pet Protect

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Available Policy Types

Napo Balance
Pet Protect
Cover Types
Lifetime
Lifetime

About Policy Types

Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.

Premium Analysis

Napo Balance
Pet Protect
Minimum Premium
£124.20
£95.20
Maximum Premium
£6,854.44
£1,616.16
Average Premium
£675.39
£317.78

Premium Range Comparison

Napo Balance
£124.20 - £6,854.44
Pet Protect
£95.20 - £1,616.16

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Napo Balance
Pet Protect
Vet Fees Coverage

Covered each year up to no limit per condition with £8,000 yearly limit

up to limit per condition/year

Covered each year up to no limit per condition with £6,000 yearly limit

up to limit per condition/year

Standard Excess
£99
£95
Co-payment
N/A
5%
Dental Included
Pre-existing Conditions

Important Coverage Notes

Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.

Claims Process

Napo Balance
Pet Protect
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Napo Balance
Pet Protect
Death by Accident Cover
£2,000
£750
Death by Illness Cover
£2,000
FALSE
Third Party Liability
£2,000,000
£1,000,000
Lost or Stolen Pet
£2,000
£750
Advertising & Reward
£2,000
£500
Boarding Fees
£1,000
£500
Travel Coverage

Support Services

Napo Balance
Pet Protect
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Napo Balance

Total Policies

2629

Dogs

1769

67%

Cats

860

33%

Pet Protect

Total Policies

3248

Dogs

2226

69%

Cats

1022

31%

Napo Balance Distribution

Dogs
Cats

Pet Protect Distribution

Dogs
Cats

Making Your Decision

When comparing Napo Balance and Pet Protect, consider how each provider's strengths align with your pet's specific needs. Napo Balance's average premium of £675.39compared to Pet Protect's £317.78 should be weighed against the coverage and benefits each provider offers.

Best for Napo Balance:

  • Comprehensive coverage options for your pet type

Best for Pet Protect:

  • More affordable starting premiums
  • Established market presence and reputation

Important Considerations

Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision. Also factor in policy terms, exclusions, and how each provider handles claims for your specific situation.