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.
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100 Bishopsgate, EC2N 4AG, London, United Kingdom
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4.6
Excellent
936 reviews
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Replied to 100% of negative reviews
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Unfortunately my cat is now on…
Unfortunately my cat is now on palliative care and making a claim was easy which made life a little easier. Made a few claims and every time spot in paid out pretty quick.
January 15, 2026
Reply from Spot On Pet Insurance
Hi Susan,
We’re truly sorry to hear about your cat’s condition, that can’t be easy, and our thoughts are with you both. We're really glad to know the claims process has helped lighten the load during such a tough time. Making things fast and simple is exactly what we’re here for, especially when it matters most.
If there’s anything else we can do to support you, please don’t hesitate to reach out.
The Spot On Pet Insurance Team
Very disappointed, check the small print!!
Please with their prompt response to my claim,but everyone check the small print!! I pay just over £35 a month & im not covered 4 medication *apparently this is an extra add on the policy) if your dog is going to the vets & needs medical care which then results in a claim 99% of these animals would need medication at home to continue the getting better process. I was also not covered for hospital admission & blood samples, again if a dog is poorly this would be needed at the vets, but spot on doesn't cover it on my insurance 😤
January 8, 2026
Reply from Spot On Pet Insurance
Hi Claire,
Thank you for your feedback. Our Boosters were designed to offer a more bespoke policy which is tailored to each pet’s individual needs. This is clearly signposted at the time of purchase and renewal and can be added on or removed at any time throughout your policy period.
I can see the blood sample was covered by your policy but capped. Unlike many other providers we only have 3 caps which are essential to protect against unpredictable or inflated charges.
Hospitalisation is covered by your policy, admission fees are not as these are additional admin fees charged by your vets and is not treatment for your pet.
If you would like to discuss the breakdown of your claim please contact us at claims@spotonpetinsurance.co.uk who would be happy to help.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Linda,
Thanks so much for your feedback! We’re delighted to hear you found our cover competitively priced and easy to set up, we’ve designed it to be simple from the start. Welcome to Spot On!
The Spot On Pet Insurance Team
Reply from Spot On Pet Insurance
Hi Kath,
Thank you for your lovely review! We’re so pleased to hear you found our claims service prompt and efficient, that’s exactly what we aim for. If you ever need us again, we’ll be here to help.
The Spot On Pet Insurance Team
Amazing Customer Service
The customer service agent was superb, I was asked by the vet to clarify if the expensive treatment my dog requires is covered by Spot On.
I emailed the customer service representative requesting a phone call and within a couple of minutes I was talking to a very reassuring team member.
He was very sympathetic to our situation and confirmed that we would be covered by our insurance policy.
His telephone manner, sympathy and advice were exceptional, very reassuring in a time great stress.
January 13, 2026
Reply from Spot On Pet Insurance
Hi Matt,
Thank you so much for your kind words, we're thrilled to hear that our customer service team could support you during such a stressful time. We understand how worrying it can be when your dog needs treatment, and we're glad our team member could provide the reassurance you needed, quickly and compassionately.
We’ll make sure your feedback is passed on, it means a lot to us to know we made a difference when it mattered most.
Wishing your pup a smooth and speedy recovery.
The Spot On Pet Insurance Team
really easy and clear pricing
January 11, 2026
Reply from Spot On Pet Insurance
Hi Clare, thank you for your review and welcome to Spot On! 🐾
Really simple to use and quick…
Really simple to use and quick response.
I asked to pay vet directly and money was transferred within a week of raising the claim.
January 8, 2026
Reply from Spot On Pet Insurance
Hi Chris,
Thanks for the fantastic review! We’re so glad to hear the process was simple and that we could pay your vet directly, fast and stress-free is exactly how we want claims to feel. Really appreciate you sharing your experience!
The Spot On Pet Insurance Team
Quick and simple process
Quick and simple process and speedy response. No unexpected obstacles or deductions from claim.
January 8, 2026
Reply from Spot On Pet Insurance
Hi there,
Thanks so much for the great feedback! We’re thrilled to hear the claims process was quick, simple, and exactly as expected, no surprises, just support when you needed it. That’s exactly what we aim for.
We really appreciate you taking the time to share your experience!
The Spot On Pet Insurance Team
Always helpful and easy to claim
January 6, 2026
Reply from Spot On Pet Insurance
Hi Lydia,
Thanks so much for your kind words! We’re all about making pet insurance as fast, simple, and stress-free as possible, so we're thrilled to hear you've found our team helpful and the claims process easy. That’s exactly how it should be.
Give your pet a cuddle from us!
The Spot On Pet Insurance Team
I have renewed my policy for the second…
I have renewed my policy for the second year.
Great customer service!..emails responded to quickly.
Unfortunately I had a couple of claim last year and payment was made with 2 weeks or less.
Great Company and I’m happy to renew this year.
January 5, 2026
Reply from Spot On Pet Insurance
Hi Mary,
Thanks so much for choosing to renew with us for another year, we’re thrilled to have you and your pet as part of the Spot On family! 🐾
We’re really glad to hear our team could support you quickly and clearly when you needed us most. Fast claims and responsive customer service are top priorities for us, so it’s great to know we delivered for you.
Here’s to a happy, healthy year ahead, but if you ever need us, you know we’ll be here.
The Spot On Pet Insurance Team
Very speedy response to my email…
Very speedy response to my email enquiry within half an hour, managed by email with no follow up necessary
January 5, 2026
Reply from Spot On Pet Insurance
Hi Jennifer,
Thanks so much for your kind feedback. We’re really glad to hear that our team was able to get back to you within half an hour and resolve everything swiftly by email, that’s exactly the fast, no-nonsense service we aim for at Spot On.
If you ever have more questions or need support, feel free to reach us anytime at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
My third insurance claim (unfortunately…
My third insurance claim (unfortunately for Olive and myself), so easy to do.
In my opinion, Spot On Pet Insurance, is very fair in their cost of insurance. Although Olive has been ill during the last year and we have claimed three times, my renewal premium has only gone up by £1 per month, for which I am very grateful.
The choice of insurance cover is easy to understand and navigate for individual add-ons etc.
I have found Spot On to be available for clarification or help, easily online and then to speak on the phone. Always prompt in answering. So much better to be able to contact direct, no robots involved.
I can only say,in my experience, this insurance company is exceptionally good and I recommend them.
January 2, 2026
Reply from Spot On Pet Insurance
Hi Janet,
Thank you so much for this thoughtful and generous review, we’re really sorry to hear Olive’s had a tough year, but we're glad we've been able to support you both through it.
It’s great to hear that you’ve found the claims process straightforward and that the way we handle renewals and cover options has felt fair and clear. We work hard to keep things simple, transparent, and personal, no bots, no waiting around, so your kind words really mean a lot to the team.
Thanks again for the recommendation, and give Olive a gentle pat from us!
The Spot On Pet Insurance Team.
Poorly Cat
The website isn't easy to use when wanting the vet paid directly. When I took the policy out I missed the part which said If I wanted medication covered i had to pay extra, that wasn't very clear either. To top it off when my cat had to be put to sleep they didnt cover the cremation either.
January 2, 2026
Reply from Spot On Pet Insurance
Hi Peter,
Thanks for sharing your feedback and we're truly sorry to hear about the loss of your cat. Losing a pet is never easy, and we’re thinking of you during this difficult time.
We also appreciate your comments around the claims process and cover details. If you’d like the vet to be paid directly, you just need to tick the 'Pay the vet directly' option on the claims form.
Regarding medication and cremation cover: take-home medication is covered under our optional Health Booster, which can be added to your policy at any time. Cremation costs, however, are not covered under our policy wording, this is in line with most pet insurance providers.
If there's anything you’d like to discuss or need help with, please don’t hesitate to get in touch at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
Great insurance
Great insurance sorted things out straight away and easy to deal with
December 30, 2025
Reply from Spot On Pet Insurance
Hi there,
Thanks a ton for the great review! We’re so glad to hear everything was sorted quickly and that you found us easy to deal with, that’s exactly what we aim for. Fast, straightforward support is what Spot On is all about.
If you ever need us again, we’re just an email away at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team
Currently have a policy very easy to…
Currently have a policy very easy to add another pet
December 30, 2025
Reply from Spot On Pet Insurance
Hi Stephen,
Thanks so much for the great feedback! We’re thrilled to hear that adding another pet to your policy was a breeze, that’s exactly how we designed it. Making pet insurance fast, simple, and reliable for busy pet parents like you is what we’re all about.
If there’s ever anything else you need, just give us a shout at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team
Claim for medical tests.
Spot on were very quick in sorting out my claim. It was easy & straight forward to arrange, just had to give my veterinary practice details & Spot on contacted them direct . They also cancelled the policy on my behalf after the loss of my beloved boy Othello.
December 16, 2025
Reply from Spot On Pet Insurance
Hi Karen,
Thank you for taking the time to share your experience, and we’re so sorry for the loss of your beloved boy, Othello.
We’re really glad to hear the claims process for the medical tests was quick and straightforward, and that we could liaise directly with your veterinary practice to make things easier during what we know can be a very difficult time. Helping to take care of the policy cancellation for you is the least we could do, and we’re pleased we were able to support you with that too.
Thank you again for trusting Spot On. Our thoughts are very much with you.
The Spot On Pet Insurance Team
I claimed on my pet insurance
I claimed on my pet insurance. Spot On assessed my claim and paid exactly what was due based on my policy. Payment was made in good time. Excellent company to deal with.
December 18, 2025
Reply from Spot On Pet Insurance
Thank you for your feedback Stephen, our claims process is a speedy one and we're so glad that you had a great experience. Currently we are assessing claims within a few days once all relevant information is received.
I’ve been insured for my dog since 2023
I’ve been insured for my dog since 2023. Upon now trying to make a claim they have advised that my policy has been void since the start because in 2014 ( yes 11 years ago) he had to be muzzled for a routine yearly booster as he was likely to bite and vet notes showed that he was very nervous.
Their response says that aggression should have been declared. I have since been back onto their website and taken out a new policy and at no point does it give me the option to have declared this aggression
The policy is an absolute joke. He has therefore never been coveted, yet they were happy to have taken my money yet I feel I’ve been unfairly treated as they could have covered if I had declared, but was not given this option
December 18, 2025
Unprompted review
Reply from Spot On Pet Insurance
Hi Kerri,
Thank you for your feedback; we appreciate you taking the time to share your concerns.
Unfortunately the vet records show numerous behavioural entries from 2014 to more recent July 2023 with some indicating very difficult or impossible to examine and risk of harm.
When you purchased your policy, this was done via a comparison website, which makes it clear that a quote can only be provided if your pet has no history of aggressive behaviour. Had you said yes to the aggression question, we would not have returned a quote for cover. This point is also made very clear in the assumptions on our website before you fill out your bank details and purchase the policy.
I can see that you have now raised a formal complaint. This will be reviewed independently, and the complaints team will thoroughly investigate the matter to ensure nothing was missed or error made.
The claims process made simple
The claims process with vet practice assistance was simple, easy and very stress free after a traumatic veterinary dog health issue.
December 18, 2025
Reply from Spot On Pet Insurance
Hi Joanne, thank you for your review. We're pleased to hear you had a great experience with our efficient claims process and we hope your beloved dog is recovering well! 🐾
Fast, easy and effective
Easy to submit claims on the platform and their process time is usually in a matter of days not weeks.
December 11, 2025
Reply from Spot On Pet Insurance
Hi Nik,
Thanks for the great feedback! We're all about making things fast, easy, and stress-free, so it's brilliant to hear our claims platform and speedy turnaround hit the mark for you.
Appreciate you being part of the Spot On family!
The Spot On Pet Insurance Team.
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