Napo are a dubious outfit.
I took out pet insurance for my dogs through Napo. At first, they seemed pretty average, although with no phone line, contact and comms was annoyingly slow. However, as with all insurance, the proof of the pudding came when I needed them most. I had a third party claim against my younger dog, an incident which resulted in a serious injury. Despite saying they covered third party claims, Napo suddenly decided that they don’t. They refused to support me, claiming to be “insurers of last resort”. They were intransigent and denied all responsibility. I ended up going through a legal claim via my household insurers (who were less than impressed with Napo). To add insult to injury, Napo have now contacted me to say they used a claim handler and now want a £250 excess payment. This for the claim they refused to handle. AVOID