How to make a complaint

How to make a complaint

How to make a complaint

We aim to get things right first time, but if we don't meet your expectations, we want to hear about it so we can put things right.

Contact us

Email: support@napo.pet

What happens next

Once we have received your complaint, we will reply confirming receipt within 5 working days, and we will do our best to resolve the issue within 4 weeks. In the event we cannot resolve your complaint within 4 weeks, we will let you know when you can expect an answer.

We'll keep you updated during your complaint process and issue our final response within 8 weeks of receiving your complaint. If we're unable to resolve things within that time, we'll write to explain why, give you an indicative timeframe, and confirm your right to refer the matter to the Financial Ombudsman Service (FOS) at that point.

If you're not happy with our response

If you're an eligible complainant and remain unhappy with our final response, you can refer your complaint to the Financial Ombudsman Service, free of charge, within 6 months of the date of our final response letter.

Financial Ombudsman Service

Exchange Tower, London E14 9SR

Phone: 0800 023 4567 or 0300 123 9123

Email: complaint.info@financial-ombudsman.org.uk

Website: financial-ombudsman.org.uk

Further information is available in the FOS consumer leaflet.

Extra support

If you need this information in a different format, or would like extra support raising or progressing a complaint, for example because of a disability, bereavement, or financial difficulty, please let us know and we'll do what we can to help.

Making a complaint does not affect your right to take legal action.

* Percentage based on all claims closed between May and November 2025


**Average time to settle all claims between May and November 2025

Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.

What we cover is subject to terms and conditions in our policy.

Excellent

© Napo Limited 2026

* Percentage based on all claims closed between May and November 2025


**Average time to settle all claims between May and November 2025

Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.

What we cover is subject to terms and conditions in our policy.

Excellent

© Napo Limited 2026

* Percentage based on all claims closed between May and November 2025


**Average time to settle all claims between May and November 2025

Napo Limited is registered in England and Wales (company number: 13281620). Our address is 2 Jubilee Place, London, SW3 3TQ. Napo is a trading name of Napo Limited who, for the purposes of insurance, is authorised and regulated by the Financial Conduct Authority (ref: 994239). Our entry on the Financial Services Register can be checked for details of our permissions. We are also registered with the Information Commissioners Office in relation to the processing of personal information (reg. no: ZB073689). Defaqto 5 Star Rating applies to Napo £4,000 pet insurance.

What we cover is subject to terms and conditions in our policy.

Excellent

© Napo Limited 2026