Is Napo Pet Insurance Any Good? Reviews & Insights 2025
Our Expert's Opinion on Napo
Napo stands out in the UK pet insurance landscape by offering four comprehensive and modular plans—Essentiel, Standard, Plus, and Premium—each delivering generous annual reimbursement limits (from £4,000 up to £16,000 for vet fees) and robust coverage across dental, complementary, behavioural, theft, death and travel claims. All plans feature a fixed £75 excess per condition annually on veterinary claims, with a transparent 20% co-payment for pets over nine years old—a practice common among top-tier UK providers, though Napo distinguishes itself with higher caps and broad third-party liability cover (up to £2,500,000). Included unlimited online vet consultations through FirstVet and EU travel extension are notable strengths for modern owners. Napo’s competitive pricing, positioned slightly above low-cost providers but significantly below premium specialists, makes it accessible for a wide array of households—particularly suiting owners of young to middle-aged animals, responsible preventive-care followers, and those wanting top reimbursement levels. Its strict breed exclusions, detailed claim filings, and expected denominators for dental cover will matter most to owners of older pets or restricted breeds. With regulation from the FCA, backing by CGICE (Europe), and protection from the FSCS, Napo demonstrates strong credibility. While public financial disclosures are limited, Trustpilot registers Napo around 4.5/5 (over 100 reviews), and claims are typically steered within 10 to 30 days, placing Napo on par with leading digital-first insurers in the UK.
- Four customisable plans for all budgets and needs
- Annual vet fee cover up to £16,000
- Strong third-party liability up to £2,500,000 for dogs
- Unlimited online vet teleconsultations included
- EU travel benefits built into all plans
- Broad dental and complementary treatment cover with annual dental check
- Regulated by FCA, FSCS protection, solid Trustpilot reputation
- Strict breed exclusions for dogs and some cat breeds
- 20% co-payment for animals over 9 years old
- Annual dental check mandatory for dental claims
- Detailed and tight claim deadlines for disappearance/theft
- No cover for any pre-existing conditions or related symptoms
- Napo guarantees
- Napo Exclusions
- Napo Prices
- Napo Assistance
- Customer feedback on Napo
- How to contact Napo?
- FAQ
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Napo guarantees
Napo offers four modular pet insurance plans—Essentiel, Standard, Plus, and Premium—with annual reimbursement limits ranging from £4,000 to £16,000 and a flat 100% reimbursement rate, subject to a £75 annual excess per condition and a 20% co-payment for pets over 9 years old. All formulas cover illness and accident and include broad dental, complementary and behavioural therapies (often only partially covered elsewhere), unlimited online vet consultations, and generous third-party liability (£1.5–2.5M for dogs), making Napo’s coverage among the most comprehensive in the UK market. A notable strength is protection for theft, missing pets, and boarding costs during owner hospitalisation, plus coverage for EU travel emergencies. However, strict breed exclusions, non-coverage of pre-existing conditions, the requirement for annual dental check-ups to maintain dental benefits, and rigorous claim/declaration rules may limit flexibility for some pet owners. Routine/preventive care (vaccines, antiparasitics, neutering, micro-chipping) remains excluded and strict claim documentation applies.
| Guarantee name | Essentiel | Standard | Plus | Premium |
|---|---|---|---|---|
| Formula positioning | Entry-level, essential coverage | Mid-range, enhanced limits | Comprehensive, high limits | Top-tier, maximum protection |
| Coverage type | Accident & illness | Accident & illness | Accident & illness | Accident & illness |
| Covered pets | Domestic dogs and cats only | Domestic dogs and cats only | Domestic dogs and cats only | Domestic dogs and cats only |
| Reimbursement level (%) | 100% before excess, age co-share | 100% before excess, age co-share | 100% before excess, age co-share | 100% before excess, age co-share |
| Annual vet fee limit | £4,000 per year | £8,000 per year | £12,000 per year | £16,000 per year |
| Annual dental care limit | £2,000 (included in vet fees) | £2,000 (included in vet fees) | £2,000 (included in vet fees) | £2,000 (included in vet fees) |
| Annual complementary care limit | £500 (included in vet fees) | £1,000 (included in vet fees) | £1,500 (included in vet fees) | £2,000 (included in vet fees) |
| Annual behavioural care limit | £500 (included in vet fees) | £1,000 (included in vet fees) | £1,500 (included in vet fees) | £2,000 (included in vet fees) |
| Annual boarding fees limit | £500 | £1,000 | £2,000 | £2,000 |
| Annual missing pet/ theft limit | £1,000 | £2,000 | £3,000 | £4,000 |
| Third-party liability (dogs only) | £1,500,000 per year | £2,000,000 per year | £2,500,000 per year | £2,500,000 per year |
| Annual death benefits | £1,000 (£150 cremation/ euthanasia) | £2,000 (£150 cremation/ euthanasia) | £3,000 (£150 cremation/ euthanasia) | £4,000 (£150 cremation/ euthanasia) |
| Annual EU travel cover | £1,000 per year | £2,000 per year | £2,000 per year | £2,000 per year |
| Annual excess (per condition) | £75 (per condition per year) | £75 (per condition per year) | £75 (per condition per year) | £75 (per condition per year) |
| Civil liability excess | £250 per claim (dogs only) | £250 per claim (dogs only) | £250 per claim (dogs only) | £250 per claim (dogs only) |
| Age limits at signup (cats) | From 4 weeks, no max limit | From 4 weeks, no max limit | From 4 weeks, no max limit | From 4 weeks, no max limit |
| Age limits at signup (dogs) | From 4 weeks, no max limit | From 4 weeks, no max limit | From 4 weeks, no max limit | From 4 weeks, no max limit |
| Health questionnaire required? | No (excludes pre-existing) | No (excludes pre-existing) | No (excludes pre-existing) | No (excludes pre-existing) |
| Waiting period - accident | 24 hours | 24 hours | 24 hours | 24 hours |
| Waiting period - illness | 10 days | 10 days | 10 days | 10 days |
| Lifetime cover (if continuous) | Yes, if contract not interrupted | Yes, if contract not interrupted | Yes, if contract not interrupted | Yes, if contract not interrupted |
| Average claim reimbursement time | Not stated, typically 1-3 weeks* | Not stated, typically 1-3 weeks* | Not stated, typically 1-3 weeks* | Not stated, typically 1-3 weeks* |
| Vet consultations (in-person) | Covered, if essential | Covered, if essential | Covered, if essential | Covered, if essential |
| Vet consultations (online FirstVet) | Unlimited, included | Unlimited, included | Unlimited, included | Unlimited, included |
| Emergency consults | Covered | Covered | Covered | Covered |
| Hospitalisation | Included in vet fees | Included in vet fees | Included in vet fees | Included in vet fees |
| Medication (prescribed) | Included in vet fees | Included in vet fees | Included in vet fees | Included in vet fees |
| Surgery, anaesthesia | Included in vet fees | Included in vet fees | Included in vet fees | Included in vet fees |
| Laboratory analysis | Included in vet fees | Included in vet fees | Included in vet fees | Included in vet fees |
| Imaging (X-ray, scan, MRI, echo) | Included in vet fees | Included in vet fees | Included in vet fees | Included in vet fees |
| Radiotherapy | Included if prescribed | Included if prescribed | Included if prescribed | Included if prescribed |
| Dental care (disease/accident) | Included per dental limit | Included per dental limit | Included per dental limit | Included per dental limit |
| Teeth cleaning (preventive) | Excluded | Excluded | Excluded | Excluded |
| Vaccines | Not covered | Not covered | Not covered | Not covered |
| Antiparasitic, dewormers | Not covered | Not covered | Not covered | Not covered |
| Neutering/spaying | Not covered | Not covered | Not covered | Not covered |
| Microchipping | Not covered | Not covered | Not covered | Not covered |
| Hygiene products | Not covered | Not covered | Not covered | Not covered |
| Complementary medicine | Covered up to relevant limit | Covered up to relevant limit | Covered up to relevant limit | Covered up to relevant limit |
| Travel abroad (EU only) | Covered within limit, emergencies | Covered within limit, emergencies | Covered within limit, emergencies | Covered within limit, emergencies |
| Quarantine costs (EU travel) | Covered, sublimit applies | Covered, sublimit applies | Covered, sublimit applies | Covered, sublimit applies |
| Pet death (illness/accident) | Covered up to limit (under 9 yrs) | Covered up to limit (under 9 yrs) | Covered up to limit (under 9 yrs) | Covered up to limit (under 9 yrs) |
| Euthanasia/cremation | Included within death benefit | Included within death benefit | Included within death benefit | Included within death benefit |
| Theft/missing pet | Covered (£1,000 limit) | Covered (£2,000 limit) | Covered (£3,000 limit) | Covered (£4,000 limit) |
| Boarding fees (owner hospitalised) | Up to £500/year | Up to £1,000/year | Up to £2,000/year | Up to £2,000/year |
| Loss/theft declaration conditions | 48h to authorities/refuge, strict | 48h to authorities/refuge, strict | 48h to authorities/refuge, strict | 48h to authorities/refuge, strict |
| Age/pedigree restrictions | Many breeds excluded (see list) | Many breeds excluded (see list) | Many breeds excluded (see list) | Many breeds excluded (see list) |
| Coverage for pre-existing conditions | Not covered | Not covered | Not covered | Not covered |
| Pregnancy, breeding | Not covered | Not covered | Not covered | Not covered |
| Working, hunting animals | Not covered | Not covered | Not covered | Not covered |
| War, pandemic, nuclear risk | Not covered | Not covered | Not covered | Not covered |
| Fraudulent or late claims | Not covered, contract void | Not covered, contract void | Not covered, contract void | Not covered, contract void |
Napo Exclusions
Exclusions in the Napo contract are primarily characterized by a strict rejection of any condition, symptom, or consequence stemming from a pre-existing condition, arising during the waiting period or prior to subscription. This means that relapses are also unequivocally excluded. Of particular note is the extensive list of excluded breeds—including hybrids and crossbreeds—which is much broader than that of many competitors. Vaccination failures, lack of an annual dental check, or failure to strictly comply with regulatory obligations systematically result in non-coverage, regardless of the medical context. Geographically, no care is covered outside the UK, except temporarily in the EU and under specific conditions, whereas some insurers provide more international coverage. Finally, any professional involvement (breeding, hunting, reproduction, etc.), failure to exercise due care, or lack of identification (e.g., microchip) leads to the exclusion from liability, theft, or disappearance guarantees.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions or those arising during the waiting period • Bilateral conditions considered as a single claim • Sexually transmitted diseases • Notifiable diseases (e.g.: rabies, Aujeszky, leishmaniasis, etc.) • Non-essential, cosmetic, or routine care • Non-listed prostheses • Failure to respect mandatory vaccinations • No annual dental check for dental care • Treatments not prescribed or outside the time frame • Treatments prescribed by a non-approved practitioner • Care abroad outside the EU or beyond the limit of 90 consecutive days/180 days per year in the EU • Illness/accident outside the UK for death, disappearance/theft, and civil liability |
| Identification & contractual exclusions | • Animal not identified by microchip (disappearance/theft) • Animals not registered/named in the contract • Lack of supporting documents (proof of purchase, disappearance declaration out of time, etc.) |
| Usage & behavioral exclusions | • Animals used for breeding, work, hunting, farming, professional activity • Prohibited/"dangerous" breeds and feline hybrids (extensive list) • Behavioral issues preventable through basic training • Unauthorized departure, abandonment, lack of supervision, or negligence by the policyholder |
| Geographical exclusions | • Care provided outside the UK (except for temporary EU coverage) • Disappearance/accident/illness/death occurring outside the UK • Abandonment, theft, or incidents outside the UK |
| Administrative & regulatory exclusions | • Non-payment of premium or outside validity period • Breach of a legal or regulatory obligation • Failure to respect contractual obligations (address notification, health, invoices, lack of information, etc.) |
| Force majeure & circumstance exclusions | • War, terrorist act, nuclear, officially declared health catastrophe or pandemic • Pollution, poisoning, external risks not directly related to veterinary care |
| Fraud exclusions | • False declaration, document falsification, deception at subscription or claim • Omission or lying about medical history, health records, etc. |
• Bilateral conditions considered as a single claim
• Sexually transmitted diseases
• Notifiable diseases (e.g.: rabies, Aujeszky, leishmaniasis, etc.)
• Non-essential, cosmetic, or routine care
• Non-listed prostheses
• Failure to respect mandatory vaccinations
• No annual dental check for dental care
• Treatments not prescribed or outside the time frame
• Treatments prescribed by a non-approved practitioner
• Care abroad outside the EU or beyond the limit of 90 consecutive days/180 days per year in the EU
• Illness/accident outside the UK for death, disappearance/theft, and civil liability
• Animals not registered/named in the contract
• Lack of supporting documents (proof of purchase, disappearance declaration out of time, etc.)
• Prohibited/"dangerous" breeds and feline hybrids (extensive list)
• Behavioral issues preventable through basic training
• Unauthorized departure, abandonment, lack of supervision, or negligence by the policyholder
• Disappearance/accident/illness/death occurring outside the UK
• Abandonment, theft, or incidents outside the UK
• Breach of a legal or regulatory obligation
• Failure to respect contractual obligations (address notification, health, invoices, lack of information, etc.)
• Pollution, poisoning, external risks not directly related to veterinary care
• Omission or lying about medical history, health records, etc.
Napo Prices
Napo adopts a digitally native, direct-to-consumer model, enabling it to reduce operational costs compared to traditional insurers while maintaining a streamlined customer experience. Its coverage is notably comprehensive: high annual reimbursement limits (up to £16,000), low fixed excesses per condition (£75), broad inclusion of dental, behavioural, and complementary treatments with competitive sub-limits, and extensive third-party liability for dogs. The inclusion of unlimited remote vet consults and EU travel coverage adds substantial value relative to average market practice. However, eligibility remains strict (breed exclusions, dental check requirements, strict pre-existing condition policy), and an additional co-pay applies for older pets. Overall, Napo positions itself in the upper-median segment—pricing tends to be competitive for the level of coverage offered, making it appealing to value-driven pet owners seeking high ceilings and digital convenience without venturing into the highest price brackets.
| Essentiel | Standard | Plus | Premium | |
|---|---|---|---|---|
| Young cat (2–4 yrs) | £12/mo | £16/mo | £20/mo | £28/mo |
| Senior cat (7–8 yrs) | £19/mo | £23/mo | £29/mo | £40/mo |
| Small breed dog (2–4 yrs) | £18/mo | £25/mo | £32/mo | £42/mo |
| Large breed dog (2–4 yrs) | £26/mo | £34/mo | £44/mo | £59/mo |
| Senior dog (7–8 yrs) | £39/mo | £48/mo | £59/mo | £73/mo |
Napo promo codes
| Napo Promo Codes | Details |
|---|---|
| HelloSafe | -5% on your Napo pet insurance quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Napo?
| Soin | Average price (£) | Covered by Napo Premium |
|---|---|---|
| Veterinary consultation (illness) | £60 | Reimbursed £60 Deductible £75 per condition/year. Out-of-pocket: £75 (deductible, as amount |
| Dental scaling (with illness) | £250 | Reimbursed £175 Deductible £75 per condition/year. Out-of-pocket: £75 (deductible) |
| Neutering / spaying | £250 | Not covered (preventive/routine care) Out-of-pocket: £250 |
| Annual vaccinations | £50 | Not covered (preventive/routine care) Out-of-pocket: £50 |
| Surgery after accident (fracture) | £1,200 | Reimbursed £1,125 Deductible £75 per condition/year. Out-of-pocket: £75 (deductible) |
Deductible £75 per condition/year.
Out-of-pocket: £75 (deductible, as amount
Deductible £75 per condition/year.
Out-of-pocket: £75 (deductible)
Out-of-pocket: £250
Out-of-pocket: £50
Deductible £75 per condition/year.
Out-of-pocket: £75 (deductible)
Napo Assistance
Napo stands out by providing unlimited veterinary teleconsultation service via FirstVet, which is a valuable resource in case of emergencies or concerns about your pet's health.
No advance payment is proposed, requiring the insured to cover care costs before reimbursement—a factor that can be an obstacle in case of high veterinary expenses.
Contract management and claim submissions are processed exclusively via the online client portal, with no dedicated mobile app available and no mention of user ergonomics or ratings.
While emergency coverage is satisfactory thanks to 24/7 teleconsultation, Napo does not offer a network of clinics or partners to ease on-site medical attention nor a dedicated solution to facilitate access to rapid physical care.
International coverage remains an asset, allowing emergency veterinary care coverage in the European Union, though limited to 90 consecutive days, which can be restrictive for long stays outside the United Kingdom.
| Assistance Napo | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service such as Payvet. |
| Payment facilities | ✅ | Contract payment is possible monthly or annually. No mention of installment payments without fees. |
| Mobile application | ❌ | No mobile app available. Contract management is done via the online client portal. |
| Digital reimbursement management | ✅ | Claim submission and 100% online management via the client dashboard at www.napo.pet/dashboard. |
| Emergency veterinary care | ✅ | Unlimited 24/7 veterinary teleconsultation with FirstVet, included at no extra charge. |
| Clinic and veterinary network | ❌ | No dedicated partner physical network indicated. No direct coverage in clinics. |
| International coverage | ✅ | Coverage of emergency veterinary care in the EU for up to 90 consecutive days (max 180 days/year) per contract. |
Customer feedback on Napo
| Site d'avis | Note et nombre d'avis |
|---|---|
| Trustpilot | 4.8/5 (plus de 2,300 avis) |
| Feefo | 4.7/5 (environ 1,500 avis) |
| Google Reviews | 4.6/5 (plus de 500 avis) |
The policyholders who have subscribed to Napo pet insurance often mention the following positive points: A high level of customer satisfaction with the reactivity and helpfulness of the customer support team stands out, with many appreciating the fast and personalized assistance when questions or claims arise. There is frequent praise for the clarity and transparency of contract terms, as policyholders feel well-informed both at sign-up and when using their cover. The digital platform and claims submission process are considered easy to use and efficient, allowing quick uploading of documents and smooth follow-up. The inclusion of unlimited online veterinary consultations at no added cost is highly valued, as it provides reassurance and immediate guidance. Ample annual coverage limits and the modularity of cover options are highlighted, especially for comprehensive and flexible protection. Customers view the overall value for money of Napo insurance as competitive, especially given the broad range of covered items and high reimbursement rates.
On the negative side: A significant number of pet owners regret the exclusion of certain breeds, which are considered very strict and prevent some from insuring their animal. The presence of a co-payment of 20% for older pets (over nine years) and a per-condition excess are perceived as a financial burden, particularly for chronic illnesses. Several users criticize the strictness of administrative requirements, such as the annual dental checkup for dental claim eligibility or the rigorous deadlines for claims relating to theft or third-party liability. Some policyholders experience disappointment upon discovering that pre-existing conditions or symptoms appearing before sign-up are systematically excluded, with no possible exceptions. There are occasional comments about the speed of reimbursements when additional information or clarifications are required, which can slow down the process. Finally, a few reviews mention price increases upon renewal and urge potential subscribers to be attentive to contract adjustments over time.
How to contact Napo?
| Customer service Napo | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our best pet insurance comparison tool, select the Napo offer that interests you and request a quote. You can also subscribe directly on www.napo.pet. |
| To request and track a reimbursement | Submit your request from your client area www.napo.pet/dashboard. Documents to attach: detailed vet bills, prescription if needed, bank details (RIB) for transfer. Reimbursements are made by bank transfer. Average times observed: within 10 to 15 business days. For any questions or follow-up, contact [email protected]. |
| To obtain proof of insurance | Log in to your client area on www.napo.pet/dashboard to download the certificate of insurance. If you experience difficulties, send your request to [email protected] or by mail to Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom. |
| To contact assistance | For a veterinary consultation: FirstVet service included, accessible via the client area www.napo.pet/dashboard. For customer service: - Email: [email protected] - Website: online form www.napo.pet/contact - Postal address: Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom. |
| To cancel my contract | Cancellation at any time via the client area www.napo.pet/dashboard. You can also send an email to [email protected] or mail to Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom. If you cancel within 14 days: full refund. After that: pro-rata refund. Documents to attach: your contract number, ID, bank account details. Notice period is immediate: cover ends as soon as it is cancelled. |
You can also subscribe directly on www.napo.pet.
Documents to attach: detailed vet bills, prescription if needed, bank details (RIB) for transfer.
Reimbursements are made by bank transfer.
Average times observed: within 10 to 15 business days.
For any questions or follow-up, contact [email protected].
If you experience difficulties, send your request to [email protected] or by mail to Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom.
For customer service:
- Email: [email protected]
- Website: online form www.napo.pet/contact
- Postal address: Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom.
You can also send an email to [email protected] or mail to Napo Limited, 85 Great Portland Street, London, W1W 7LT, United Kingdom.
If you cancel within 14 days: full refund.
After that: pro-rata refund.
Documents to attach: your contract number, ID, bank account details.
Notice period is immediate: cover ends as soon as it is cancelled.
FAQ
Do I have to pay the vet bills upfront with Napo?
With Napo, you need to pay your vet bills first and then claim back eligible costs. Napo does not currently offer an upfront payment or “third-party pay” system directly with vets (like Payvet). After paying, submit your claim online, and Napo will reimburse you for covered expenses minus any applicable excess.
How do I cancel my Napo pet insurance policy?
You can cancel your Napo policy at any time by logging in to your account at www.napo.pet/dashboard and following the cancellation instructions. There is no notice period, but for refund eligibility, cancel within 14 days for a full refund, or later for a pro-rata refund. Attach proof of identity and your policy number when making your request.
Which pets and breeds are eligible for Napo insurance?
Napo insures domestic cats and dogs residing at your UK address, starting from 4 weeks old. However, some breeds are excluded, mainly those listed in the Dangerous Dogs Act 1991 or known as dangerous breeds (such as Pit Bull Terrier, Tosa Inu, Dogo Argentino, Fila Brasileiro, and certain hybrid or wild cat breeds). You can check the full list at www.napo.pet/excludedbreeds.
Are pre-existing conditions covered by Napo?
Napo does not cover any conditions, symptoms, or illnesses that appeared or were treated in your animal within the 24 months before you took out the policy. Claims for these will be excluded, along with any complications or future episodes related to them. Always refer to the policy for full definitions of pre-existing conditions.
What are the key exclusions and owner responsibilities under a Napo policy?
To remain covered, your pet must be kept up-to-date with mandatory vaccinations and maintained in good health as advised by your vet. Napo excludes cover for routine/preventive care, animals used for breeding or work, negligence, some specific diseases, and any claim where legal or care obligations are not met. You must also provide accurate, honest information when applying and making claims.
Do I have to pay the vet bills upfront with Napo?
With Napo, you need to pay your vet bills first and then claim back eligible costs. Napo does not currently offer an upfront payment or “third-party pay” system directly with vets (like Payvet). After paying, submit your claim online, and Napo will reimburse you for covered expenses minus any applicable excess.
How do I cancel my Napo pet insurance policy?
You can cancel your Napo policy at any time by logging in to your account at www.napo.pet/dashboard and following the cancellation instructions. There is no notice period, but for refund eligibility, cancel within 14 days for a full refund, or later for a pro-rata refund. Attach proof of identity and your policy number when making your request.
Which pets and breeds are eligible for Napo insurance?
Napo insures domestic cats and dogs residing at your UK address, starting from 4 weeks old. However, some breeds are excluded, mainly those listed in the Dangerous Dogs Act 1991 or known as dangerous breeds (such as Pit Bull Terrier, Tosa Inu, Dogo Argentino, Fila Brasileiro, and certain hybrid or wild cat breeds). You can check the full list at www.napo.pet/excludedbreeds.
Are pre-existing conditions covered by Napo?
Napo does not cover any conditions, symptoms, or illnesses that appeared or were treated in your animal within the 24 months before you took out the policy. Claims for these will be excluded, along with any complications or future episodes related to them. Always refer to the policy for full definitions of pre-existing conditions.
What are the key exclusions and owner responsibilities under a Napo policy?
To remain covered, your pet must be kept up-to-date with mandatory vaccinations and maintained in good health as advised by your vet. Napo excludes cover for routine/preventive care, animals used for breeding or work, negligence, some specific diseases, and any claim where legal or care obligations are not met. You must also provide accurate, honest information when applying and making claims.
