It is all a matter of energy. The bond may be regarded as very polar covalent or ionic, for whatever purpose you might want. Nature does not know about chemical bonds!
However, if you try to dissociate gaseous NaCl, the lowest energy pathway is to
Na• + Cl•
rather than
Na+ + Cl–
Because the energy cost of removing the electron from sodium (ionization potential) is larger than the energy return from the chlorine atom picking up the extra electron (electron affinity).
That is the real reason why for most, but not all, purposes, the bond in gaseous NaCl should be regarded as polar covalent.