At Napo, we want to ensure that your pet is well-protected. If you're switching over to Napo from another pet insurance company at the end of your policy year with them (not before), you can benefit from immediate coverage without any waiting period (see below for how).
However, if it's the start of a new policy and you are switching from another insurer to Napo mid-way through your current policy with the other insurer, there's a short waiting period for certain conditions which means that you won’t be able to claim for any accidents happening before or within the first 24 hours of your policy start date and you won’t be able to claim for any other conditions which happen before or within the first 10 days of your policy start date.
You can only claim for accidents that happen after the first 24 hours of your policy starting.
You can only claim for illnesses, dental or complementary treatment, if the first symptoms happen 10 days after your policy starting.
For all other sections of cover, you can only claim for events that occur after the first 10 days of your policy starting
No waiting period applies if you are switching from another insurer at renewal or after a free introductory period. Your pet must be insured right up to your start date with Napo with no gap in cover and you must provide us with evidence of this should you need to claim.
When purchasing your Napo insurance, please note that pre-existing conditions won’t be covered. This includes any subsequent/future treatments for the same event.