We were in the horrible position of having to claim on our insurance when our dog was attacked by another. The claim process was fairly simple and I was able to create the claim online on my mobile... See more
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We've been with Spoton for a number of years with our cat, who, because she was getting on a bit, had to have injections for arthritis every month. At all times when we've submitted a claim, it... See more
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My experience with Spot On Insurance has been nothing short of excellent. At the devastating time of hearing our beautiful Cockapoo had cancer, they could not have done more. From the point of placing... See more
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How quick spot on is to process the claims, especially during such difficult times in dealing with my dog health. Really 5 service, fast response and communication. My only gripe is the fact that we h... See more
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Company details
Written by the company
Fast, reliable and value for money. We are pet insurance specialists, backed by years of expertise and powered by innovative technology.
Contact info
100 Bishopsgate, EC2N 4AG, London, United Kingdom
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4.6
Excellent
930 reviews
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This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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Comprehensive Cover and Prompt Claims Payments
I have had an excellent experience with SpotOn pet insurance company and would highly recommend them to any pet owner.
The cover is comprehensive and provides great peace of mind, while the premiums are very reasonable for the level of protection offered. Most importantly, their claims process is straightforward, fast and efficient. Every claim I have submitted has been handled promptly, and the reimbursement has always been paid in a timely manner.
Thanks to their reliable support, I was able to afford the treatment my beloved cat needed without the added stress of worrying about the financial burden. During a difficult time, knowing that I could count on my insurer made a huge difference.
Both my cat and I are extremely grateful for the care and support they have provided. They are a trustworthy company that genuinely helps pet owners when they need it most. I would strongly recommend them to anyone looking for dependable pet insurance.
June 23, 2026
Reply from Spot On Pet Insurance
Hi Lucy,
Thank you so much for your wonderful review and recommendation. We’re really pleased to hear you’ve found our cover comprehensive, fairly priced and that our claims process has been straightforward and prompt.
Most importantly, we’re glad we could support you when your cat needed treatment and help take away some of the financial worry during a difficult time. It means a lot to know we’ve made a real difference for you both.
The Spot On Pet Insurance Team.
Very disappointing.
Reading these reviews I feel like I've dealt with an entirely different company.
We took our boy to the vet with the piece of mind that he was insured. We have never claimed before. How wrong we were.
In almost £1000 worth of fees we received just shy of £90 back from SpotOn. Due to their out dated allowances for blood tests which there were multiples of. We knew take home medication wasn't covered as I didn't add this to the policy. These equalled around £100. But we thought the tests would be covered.
Due to the results we made the difficult decision to put our boy to sleep. Which I told them. They continued to message even when we were in the vet appointment to put him to sleep.
Poorly worded messages and emails are horrific considering what we were going through. Dealing with this added to the levels of stress immensely. It really didn't need to.
I will never recommend. I have cancelled all other policies with the company. They are not the support they should have been and really didn't care about our situation.
Please don't use them.
June 17, 2026
Unprompted review
Reply from Spot On Pet Insurance
Hi Kim,
Thank you for sharing your feedback, please accept our sincere condolences.
We apologise that our communication added to your stress. Our assessors replied with care and only contacted you because more information was needed to validate and process your claim.
Regarding the blood test fees, we’re unable to control what vets charge, but our caps are set with the current market in mind. If you feel something was deducted incorrectly, we do have an appeals process and our claims team can help review this. Please contact claims@spotonpetinsurance.co.uk and we will be happy to help.
The Spot On Pet Insurance Team.
Kind, compassionate and swift.
Our beautiful dog needed medical attention and our claim was settled quickly. Sadly he passed away several weeks later. Cancelling the policy was easy and swift. Compassionate service and understanding.
June 1, 2026
Reply from Spot On Pet Insurance
Hi Deborah, thank you so much for your feedback.
Our claims process is efficient and our Customer Success team are always happy to answer any queries you may have! 🐾
First class service …
Spot on always respond quickly with clear answers .They have kept me informed with recent claims too 🐈
Even with follow ups when the Vet didn’t respond for a few days .A first class service so Spot on !
June 18, 2026
Reply from Spot On Pet Insurance
Thank you for your review Yasmin.
We are very proud of our efficient claims process and are currently completing claims within a week, once all relevant information has been received.
The company were able to deal with my…
The company were able to deal with my questions in a timely manner.
June 9, 2026
Reply from Spot On Pet Insurance
Hi Anne, thank you for your feedback.
Our team are always happy to help! 🤩
Very helpful delt with our claim very…very grateful
Very helpful delt with our claim very efficiently
June 18, 2026
Reply from Spot On Pet Insurance
Hi Antoinette,
Thank you so much for your review! We’re really pleased to hear our team was helpful and handled your claim efficiently.
We’re grateful you chose Spot On to help protect your pet.
The Spot On Pet Insurance Team.
The claims portal is simple to use and…
The claims portal is simple to use and my claim was processed very quickly
June 9, 2026
Reply from Spot On Pet Insurance
Hi Caroline,
Thank you for your lovely review. We’re really pleased to hear you found the claims portal simple to use and that your claim was processed so quickly.
We know making a claim can feel stressful, so it’s great to know the process was smooth and straightforward for you.
The Spot On Pet Insurance Team.
fast and easy
June 15, 2026
Reply from Spot On Pet Insurance
Hi Sebastian,
Thank you for your lovely review. We’re really pleased to hear taking out your policy was fast and easy.
We work hard to keep things simple and straightforward from the start, so it’s great to know the process worked well for you.
The Spot On Pet Insurance Team.
Fast friendly service
Fast friendly service.would definitely recommend Spot on pet insurance
June 9, 2026
Reply from Spot On Pet Insurance
Thank you for your review Heather.
We pride ourselves on our efficient claims process, and are always happy to help! 🐾
Wouldn't pay when cat seriously ill
Be careful when choosing this pet insurer. I came back from being away to find my cat barely moving and not eating/drinking. It was Saturday evening so my only choice was the emergency vet. Apparently Saturday evening is 'core' hours and so I shouldn't have required this expensive vet. On top of this, I hadn't added a medication 'add on' (I wasn't aware this was required) so the medications were excluded also. In the end they wiggled out of my entire claim.
December 6, 2025
Unprompted review
Reply from Spot On Pet Insurance
Hi Jo,
Thank you for your review.
For the out-of-hours claim, while our policies do include cover for life-threatening emergencies, they don’t extend to out-of-hours charges if your pet could have safely been seen during normal vet hours. That said, we do still cover the standard consultation equivalent cost and any eligible veterinary treatment in those situations.
Our Boosters were designed to give our customers a more bespoke policy, tailored to their pet's individual needs and are clearly outlined in the quote journey and your policy documents.
All of our Boosters can be added or removed at any time throughout your policy period as your situation changes, you don’t have to wait until renewal to make any changes.
Our appeals process gives your vet the opportunity to submit any further information that may not have been available when the claim was first assessed.
Please contact us at claims@spotonpetinsurance.co.uk and a member of our team will be happy to help.
The Spot On Pet Insurance Team.
I insured my last dog with Spot On and…
I insured my last dog with Spot On and found the process easy and the rate charged good value, for that reason I have taken out cover for my new pup.
June 10, 2026
Reply from Spot On Pet Insurance
Hi Cathryn,
Thank you for your lovely review. We’re really pleased to hear you found the process easy and good value with your last dog.
It’s great to know that positive experience brought you back to Spot On for your new puppy. Thanks again for choosing us.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Martyn,
Thank you for your lovely review. We’re really pleased to hear you received excellent service from our Customer Success team.
We always aim to be helpful, clear and efficient, so it’s great to know this came through in your experience.
The Spot On Pet Insurance Team.
So far no problems with getting the…
So far no problems with getting the payout for my dog being diagnosed with diabetes. Although a bit of a mix up in the beginning and some items that were needed for her care were not covered.
May 21, 2026
Reply from Spot On Pet Insurance
Hi Glynn,
Thank you for your review.
All claims are assessed and processed in line with the policy wording, and we appreciate your feedback. We’re glad we could support you with the claim overall.
The Spot On Pet Insurance Team.
Easy to set up insurance and reasonable…
Easy to set up insurance and reasonable prices, including the add on options.
June 7, 2026
Reply from Spot On Pet Insurance
Hi Abbie,
Thanks so much for your review. We’re really pleased to hear you found it easy to set up your policy and that the pricing and add-on options worked well for you.
We aim to keep things simple, flexible and good value from the very start, so it’s great to know your experience reflected that.
Welcome to Spot On!
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Isobel,
Thanks so much for your review. We’re really pleased to hear you found a good deal and that taking out your policy was easy through our website.
We’ve designed Spot On to be straightforward from the start, so it’s great to know the process worked well for you. Welcome to Spot On!
The Spot On Pet Insurance Team.
I highly recommend this insurance…
I highly recommend this insurance company. Throughout the time I was insured with them, I never had any problems at all. They covered all of Muha's veterinary visits and claims were handled smoothly and professionally.
Sadly, after losing my beloved dog, I had to cancel the policy. The team dealt with everything quickly and showed genuine kindness and compassion during a very difficult time. Their thoughtful condolences meant a lot to me.
Excellent customer service, reliable coverage, and caring staff. Thank you for all your support over the years.
June 5, 2026
Reply from Spot On Pet Insurance
Hi Valentina,
Thank you so much for your heartfelt review and recommendation. We’re truly sorry for the loss of Muha, we know how much our pets mean to us, and our thoughts are with you.
It’s lovely to hear that your claims and veterinary visits were handled smoothly over the years, and that our team could support you with kindness when it mattered most. Your words mean a great deal to us.
The Spot On Pet Insurance Team.
Poor cover
You're not told about what's covered until you make a claim and then you have to add on "take home medication " which is not an option online when taking out a policy
June 5, 2026
Reply from Spot On Pet Insurance
Hi Alice,
Thank you for your review, your feedback is very important to us.
Our Boosters were designed to give our customers a more bespoke policy, tailored to their pet's individual needs and are clearly outlined in the quote journey and your policy documents.
All of our Boosters can be added or removed at any time throughout your policy period as your situation changes, you don’t have to wait until renewal to make any changes.
If you would like to discuss your cover, please contact us via info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Dorothy,
Thanks so much for your lovely review. We’re really pleased to hear our Customer Success team handled your request promptly, that’s exactly the straightforward, efficient service we aim for.
We really appreciate you taking the time to share your experience.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Paul,
Thank you for your lovely review. We’re really pleased to hear our Customer Success team were helpful and kept communication clear throughout.
We always aim to make things simple and straightforward, so it’s great to know this came through in your experience.
The Spot On Pet Insurance Team.
Although my contact this time was to…
Although my contact this time was to advise our dog had passed away the response was quick and efficient. Never had a problem with company.
June 3, 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for your kind review. We’re so sorry to hear that your dog has passed away, we know how heartbreaking it is to lose such a loved member of the family.
We’re glad our team were able to respond quickly and efficiently at such a difficult time, and we really appreciate your lovely comments about your experience with us.
The Spot On Pet Insurance Team.
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