Spot On Pet Insurance Reviews 

938
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 302 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently found the claim process to be straightforward and efficient, often handled quickly and with minimal effort on their part. Many reviewers praised the customer service for its helpfulness, compassion, and clear communication, especially during difficult times. The company's response times were frequently highlighted as quick, with queries answered promptly and claims settled within advised timescales, providing significant financial relief. However, some customers also noted instances where claims were rejected due to pre-existing conditions, even for issues that seemed unrelated or very old. Additionally, a few people mentioned that certain treatments like dental care, cremation, or specific medications were not covered by their standard policy, often requiring extra add-ons or leading to unexpected out-of-pocket expenses.

What people talk about most

Claim

Consumers find the claim process to be positive, with many reviewers highlighting its ease of use and... See more

Service

People report positive experiences with service, often highlighting its efficiency and helpfulness. Customers... See more

Response time

Reviewers mention positive feedback about response time, with many highlighting the quick processing of... See more

Payment

Clients share positive opinions on payment, frequently highlighting the fast and prompt payouts for claims,... See more

Customer service

Users describe positive interactions with customer service, highlighting the excellent support and compassion... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied


Company details

  1. Pet Insurance Company

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

4.6

Excellent

TrustScore 4.5 out of 5

938 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

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4.6

All reviews

(938)

281 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

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
Spot On Pet Insurance logo

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.

Rated 5 out of 5 stars

Can't fault them!

Very helpful, very responsive, really can't fault them - highly recommend!

December 18, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Sinead,

Thanks for the fantastic review! We’re so glad to hear you found our team helpful and responsive, that’s exactly what we aim for. Your recommendation means a lot, and we’re proud to be your go-to when it comes to pet cover.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Excellent service

I've just received an email from Spot On, confirming the settling of my claim following the very sad loss of my beloved sphynx Wednesday just 9 days ago.
Thank you for a speedy and compassionate approach during this difficult time.

December 16, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Anna,

We’re so sorry to hear about the loss of your beloved Wednesday. Losing a pet is heartbreaking, and we’re incredibly grateful you took the time to share your experience with us during such a difficult moment.

Thank you for your kind words about our team. We always aim to handle claims swiftly and with care, especially in moments like these and we’re glad we could offer some small support when it mattered most.

Take care,
The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Fast claim

Following the passing of our cat, SpotOn settled the claim within a week and money was in our account a few days after that. Fantastic service at a very upsetting time. Thank you!

December 9, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Leigh,

We're so sorry to hear about the loss of your cat, our hearts go out to you. Thank you for your kind words during such a difficult time. We know how important it is for things to be handled quickly and clearly, especially when you're grieving. We're glad we could settle your claim fast and take one thing off your plate.

Take care,
The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Can’t speak highly enough of Spot On…

Can’t speak highly enough of Spot On pet insurance.

Absolutely first class service throughout

November 27, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Michael,

Thank you so much for the fantastic feedback! We’re thrilled to hear you had a first-class experience with us, it means a lot to know we delivered when it mattered most.

We’ll be here whenever you and your pet need us next.

All the best,
The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Claim decision made very quickly

Claim decision made very quickly

November 27, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Sharon,

Thanks so much for the great review! We're thrilled to hear that your claim was handled quickly, fast decisions are exactly what we aim for, especially when your pet’s wellbeing is on the line.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Take home medication

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 have to pay the vet first and then we claim from spot which can be an issue for those needing bigger funds for operations and test.

November 27, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Lucila,

Thank you so much for the kind words, we're really glad to hear that our claims process and communication have made a tough time with your dog a little easier. It's great to know we could deliver the fast, reliable support you needed.

Just to let you know, we’re happy to arrange direct payments to any vet, just click 'Pay the vet directly' on your claim form.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Everything just worked.

Everything just worked.

From joining to leaving (as no longer needed) it was all just simple! Would 100% recommend

November 25, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Lucy,

Thanks for the great feedback! We’re so glad everything was smooth from start to finish, that’s exactly what we aim for. Even though you no longer need the cover, we really appreciate the recommendation. Wishing you all the best!

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Very impressed, would recommend

Very impressed with Spot On, made two claims and both were dealt with swiftly. Customer service was very good, always quick to reply to emails. Would recommend.

November 25, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi there,

Thanks so much for your kind words and recommendation! We’re really pleased to hear you’ve been impressed with how swiftly your claims were handled and that our customer success team hit the mark too. Speed and simplicity are what we’re all about at Spot On. If there’s ever anything you need, we’re just an email away.

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

easy claiming and insuring my old…

easy claiming and insuring my old adopted cat!

October 28, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Natasha,

We love to hear that, especially for an older adopted cat! Making both insuring and claiming easy is exactly what we’re here for. You’re doing something wonderful giving your cat a loving home, and we’re proud to be part of that journey.

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Quick easy and very informative…

Quick easy and very informative information no hidden agendas

November 24, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Mike and Pauline,

Thanks for the great feedback! We're all about keeping things quick, easy, and crystal clear, so it’s fantastic to hear that came through for you. No jargon, no hidden stuff, just straight-up support when you need it.

If you ever have more questions or need help, we’re just an email away at info@spotonpetinsurance.co.uk.

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Just got my dog insurance

Just got my dog insurance. Can't comment on the service but the set up was easy. Good price

November 20, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Debbie,

Thanks for choosing Spot On and for taking the time to leave a review! We're glad to hear the setup was smooth and the price hit the mark.

Welcome to the Spot On family!

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Our claim was sorted out quickly and…

Our claim was sorted out quickly and efficiently. Excellent service

November 13, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Annette,

Thanks so much for the great feedback! We're delighted to hear your claim was handled quickly and efficiently, that’s exactly what we aim for. Our Claims Team always works to get things processed super fast once all the needed info is in, and it's great to hear that made a difference for you.

Thanks again for trusting us with your pet’s care.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Puuuurfect cover!

Simple and clear policies, excellent communication/response, and fantastic support when needed for our cat! 5*****

November 20, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Ian,

Thank you for the pawsome review! 🐾 We’re thrilled to hear our simple policies, quick responses, and fantastic support have made things easy for you and your cat. Shoutout to our Customer Success team, they’ll be so pleased to hear this!

Thanks for choosing Spot On.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Sorted our claim out quickly…

Sorted our claim out quickly communicated well through email and kept us informed at each step.

November 18, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Carol,

Thanks for your review! We're so pleased to hear your claim was handled quickly and that our team kept you in the loop throughout. That’s exactly what we aim for, fast, clear, and stress-free support when you need it most.

The Spot On Pet Insurance Team.

Rated 5 out of 5 stars

Very efficient service

Very swift claims process!

November 11, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Kim,

Thanks for the great feedback! We're so glad to hear you found our service efficient and the claims process swift, that's exactly what we're here for. We’re proud of our speedy claims turnaround and making things easy for our customers.

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Minnie 2025

Quick and efficient with dealing with my claim.I would highly recommend this company.

October 1, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Morning Dee, thank you for your review. Our claims process is a very speedy one. Once we receive all relevant information, with are currently being paid out within a few days.

Rated 5 out of 5 stars

Excellent

Always excellent response and service and can highly recommend.

November 11, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Debbie,

Thanks so much for the glowing feedback! We’re thrilled to hear you've had an excellent experience with our claims team. Your recommendation means a lot, it’s exactly what we aim for every step of the way.

The Spot On Pet Insurance Team

Rated 5 out of 5 stars

Harry’s op

Simplicity itself when making a claim. When you’re so worried about your pet. It’s great to have a company they cares in your corner

November 11, 2025
Spot On Pet Insurance logo

Reply from Spot On Pet Insurance

Hi Brian,

Thank you so much for your kind words. We're really glad to hear the claims process was simple and supportive, especially during such a stressful time.

Wishing Harry a smooth and speedy recovery!

The Spot On Pet Insurance Team

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