Updated October 21, 2026 · SumCue Editorial Team
Napo pet insurance vs WAS Insurance
Napo pet insurance
WAS Insurance
Higher score in this comparison
Napo pet insurance vs WAS Insurance: the differences
| Compare | Napo pet insuranceReviewVisitVisit | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Pet | Travel, PetCovers more |
| Excess from | £99 | A$100 |
| Cover limit | £16,000 per year | Unlimited medical |
| Claims channels | Online | Phone, Email, OnlineCovers more |
| Age range | 4 weeks to under 15 years | 18-99 |
| Provider type | Not confirmed | Broker |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- WAS Insurance scores higher overall: 8.9 vs 8.7.
- Insurance types: only WAS Insurance offers Travel.
- Claims channels: only WAS Insurance offers Phone, Email.
- Support channels: only Napo pet insurance offers Chat, Help centre.
- Support channels: only WAS Insurance offers Phone.
Our verdict on each
Napo pet insurance
Napo pet insurance suits pet owners who want monthly billing with online claims and chat based help. Cover runs to £16,000 per year with excess starting at £99 for pets in 4 weeks to under 15 years, plus monthly payments available.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | Napo pet insurance | WAS Insurance |
|---|---|---|
| Cost | 8.9Excess starts at £99 with billing through monthly | 9.0HigherMonthly billing through monthly keeps premiums spread across the year. |
| Offer | 8.5Pet focused pet with cover to £16,000 per year and claims via online | 8.7HigherFocused range of travel and pet with Unlimited medical on travel plans. |
| Trust | Not confirmed | 8.8Broker licensed under 536280 with claims via phone, email and online. |
Where they rank in our lists
| Ranking | Napo pet insurance | WAS Insurance |
|---|---|---|
| Insurance | 51 of 627 | 45 of 627 |
| Pet insurance | 10 of 157 | 8 of 157 |
Where each is licensed and available
| Country | Napo pet insurance | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
Additional countries for Napo pet insurance: 1. Additional countries for WAS Insurance: 1.
Where these facts come from
Napo pet insurance
- napo.pet: 10 facts, checked September 29, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | Napo pet insurance | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Napo Limited | Wiseandsilent Pty Ltd |
| Headquarters | United Kingdom | Australia |
| Support channels | Email, Chat, Help centre | Email, Phone |
Pros and cons
Napo pet insurance
Pros
- Yearly cover to £16,000 per year for vet costs
- Monthly billing through monthly with monthly payments offered
- Online claims via online with help on email, chat and help centre
Cons
- Support runs on email, chat and help centre only, which may frustrate you if you prefer phone help
- Claims run through online only, so you manage the whole journey online via online
- Eligibility is framed by 4 weeks to under 15 years, so pets outside that span fall outside the target group
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
Who each suits
Napo pet insurance
Who it suits
- Choose Napo over Oney Préstamos if you want pet cover, since Oney Préstamos focuses on health, life and gadget
- Choose Napo over Linxea if pet is the priority, since Linxea focuses on life
Who should look elsewhere
- Skip Napo for Oney Préstamos if you need health, life or gadget cover, since Oney Préstamos centres on health, life and gadget
- Skip Napo for Linxea if life cover is the goal, since Linxea centres on life
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
Country by country
| Country | Napo pet insurance | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Napo pet insurance
What does Napo pet insurance cover?+
Napo pet insurance provides pet cover with yearly limits to £16,000 per year. That structure suits you if vet bills are the main worry, since the policy centres on pet and monthly billing through monthly. Check exclusions before you apply.
Can you pay monthly for Napo pet insurance?+
Yes, monthly payments are offered, and billing runs through monthly. That suits you if you prefer to spread the cost across the year rather than pay in a lump. Cover still runs to £16,000 per year while you keep payments current.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.