Napo Harmony vs Waggel
Compare pet insurance features, coverage, and pricing between Napo Harmony and Waggelto find the best protection for your pet.
Starting Premium
£132.84
Napo Harmony
£53.76
Waggel
Maximum Cover
No limit
Napo Harmony
No limit
Waggel
Customer Rating
4.2
Napo Harmony
4.2
Waggel
Vet Fees Cover
Covered each year up to no limit per condition with £12,000 yearly limit
Napo Harmony
Covered each year up to no limit per condition with £8,000 yearly limit
Waggel
Available Policy Types
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
Premium Range Comparison
Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.
Policy Coverage & Exclusions
Covered each year up to no limit per condition with £12,000 yearly limit
up to limit per condition/year
Covered each year up to no limit per condition with £8,000 yearly limit
up to limit per condition/year
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
Additional Benefits
Support Services
Customer Base Analysis
Napo Harmony
Total Policies
2629
Dogs
1769
67%
Cats
860
33%
Waggel
Total Policies
27072
Dogs
18792
69%
Cats
8280
31%
Napo Harmony Distribution
Waggel Distribution
Making Your Decision
When comparing Napo Harmony and Waggel, consider how each provider's strengths align with your pet's specific needs. Napo Harmony's average premium of £825.28compared to Waggel's £556.09 should be weighed against the coverage and benefits each provider offers.
Best for Napo Harmony:
- Third party liability coverage
Best for Waggel:
- More affordable starting premiums
- Third party liability coverage
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.