Napo Harmony Pet Insurance
Napo Harmony combines comprehensive pet insurance with holistic pet wellness support. Their enhanced digital platform includes unlimited video vet consultations, personalized wellness plans, and preventative healthcare guidance. Features advanced claims processing and integrated pet health tracking.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to no limit per condition with £12,000 yearly limit
Claim Limit
No limit
Vet Fees Excess
You'll pay £99 per condition per year
Additional Benefits
- Death by Accident Cover: £3,000
- Third Party Liability: £2,500,000
- Boarding Fees: £2,000
- Lost or Stolen Cover: £3,000
Support Services
- UK-Based Call Centers
- 24/7 Claims Service
- Vet Advice Helpline
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.69
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Lifetime CoverMost Popular
Vet Fees
Up to Covered each year up to no limit per condition with £12,000 yearly limit
Excess
You'll pay £99 per condition per year
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage and Benefits
Premium Range
Minimum
£132.84
Maximum
£10281.6
Average
£825.28
Cover Types
- Lifetime
Coverage Distribution
Dogs
67.3%
Cats
32.7%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to no limit per condition with £12,000 yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | £3,000 | Payment if your pet dies due to an accident |
| Death by Illness | £3,000 | Payment if your pet dies due to illness |
| Third Party Liability | £2,500,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £3,000 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £3,000 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £2,000 | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£99 - This is the amount you pay towards each new condition claimed for.
Co-Payment
N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Frequently Asked Questions
What makes it holistic?
Combines insurance with wellness support, nutrition advice, and behavioral guidance.
How do video calls work?
Connect with UK vets 24/7 for consultations, advice, and prescriptions.
What tracking tools exist?
Track vaccinations, wellness checks, and health indicators through our app.
How comprehensive is cover?
Full coverage for accidents, illnesses, and preventative care support.
Next Steps with Napo Harmony
How to Get Coverage
- Visit Napo Harmony's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age and breed
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact Napo Harmony directly for the most accurate and up-to-date quotes for your specific situation.