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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Review summary
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Save your money go to another insurer..... first time I had to claim for my elderly dog after running in to a door frame and breaking a tooth, due to her now being diagnosed with cancer of the gu... See more
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Highly recommend Spot On. Never had any issues when making claims. Their care and kind words when our beautiful Sid passed away was a testament to their wonderful customer service. They took care... See more
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This Company have been so helpful to me during my beautiful Milly's health problems. Every step of the way they made the claims process easy for me to understand. On the 6th January my Milly l... 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
917 reviews
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
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Didn't realise that the policy did not…
Didn't realise that the policy did not pay out on death if the pet was over 8 years old.
Apart from being very upsetting to understand my nearly 16 year old dogs life was worth nothing, this fact was not clearly highlighted.
7 July 2026
Reply from Spot On Pet Insurance
Hi Karen,
Please accept our condolences for the loss of your pet.
All of our terms and conditions are highlighted in your policy wording, you can claim for veterinary costs in relation to your pets sad passing, these can be submitted on your portal in the claims section under Vet Bill.
If you would like to discuss this further, please contact our customer success team at info@spotonpetinsurance.co.uk and they will be happy to help.
The Spot On Pet Insurance Team.
Calm and efficient
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's been dealt with quickly and efficiently by Spoton.
Sadly, just recently, our cat took ill with a terminal problem, which involved a number of visits to the vet, and she was eventually put to sleep, so we had to submit several more claims. Once again, these were handled without fuss, and everything was fully explained.
We now no longer need a policy, but it was always reassuring to know we had cover. We would highly recommend Spoton to anyone looking for pet insurance.
2 July 2026
Unprompted review
Reply from Spot On Pet Insurance
Hi Bob,
Thank you so much for your thoughtful review. We’re very sorry to hear about the loss of your cat, and we really appreciate you taking the time to share your experience after such a difficult time.
We’re pleased we could handle your claims calmly, quickly and clearly over the years, and that having cover felt reassuring when you needed it most. Your recommendation means a great deal to us.
The Spot On Pet Insurance Team.
Good experience
Thank you for your nice communication and for processing the claim quickly.
3 July 2026
Reply from Spot On Pet Insurance
Hi Grazia,
Thank you so much for your lovely review. We’re really pleased to hear you had a good experience with our claims team, and that your claim was processed quickly.
We know clear communication and fast support matter when your pet needs care, so it’s great to know we delivered that for you.
The Spot On Pet Insurance Team.
Excellent service and excellent…
Excellent service and excellent information if they require more details to process a claim
25 June 2026
Reply from Spot On Pet Insurance
Hi Darren,
Thank you for your lovely review. We’re really pleased to hear you received excellent service from our team.
We’re glad our team could keep the process straightforward and help you along the way.
The Spot On Pet Insurance Team.
First Class Service
Spot On Pet Insurance is a reliable company and looks after all my pet's needs for me. Claims are simple and the service I receive is first class. Thank you once again.
25 June 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you so much for your wonderful review. We’re really pleased to hear you find Spot On reliable and that your claims have been simple.
It’s lovely to know you’ve received first-class service from our team, and we truly appreciate your kind words.
The Spot On Pet Insurance Team.
Besides having a very good insurance…
Besides having a very good insurance price, when our dog Alfie died, Spot On were very good with communications and help with regard to the fees and their re-embursement. Don’t be put off by all communications being done by email, they were quick in their responses.
2 July 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you so much for your kind review. We’re very sorry to hear about Alfie, and we really appreciate you taking the time to share your experience at such a difficult time.
We’re pleased our team could support you with clear, quick communication and help with the fees and reimbursement.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Jane,
Thank you for choosing Spot On, and for taking the time to leave us a review. We’re really pleased to hear you found the process quick and easy, and that you’re happy with your quote.
We’re glad we could keep things simple from the start, and we’re here to help whenever you need us.
The Spot On Pet Insurance Team.
I have found spot on excellent
I have found spot on excellent, I find all those I have dealt with with very helpful ,and the service very simple and this claim sorted quickly
22 June 2026
Reply from Spot On Pet Insurance
Hi Mandy,
Thank you so much for your lovely review. We’re really pleased to hear you’ve found Spot On excellent, and that our team have been helpful throughout.
It’s great to know the service felt simple and your claim was sorted quickly.
The Spot On Pet Insurance Team.
If only I could give Zero Stars
What a shower of crooks.
I have 2 out of my 3 dogs insured with Spot On, but not for much longer. I made my first ever claim the other week for £698 for an operation that had to be performed on one of my Labradors, the claim was rejected by Spot on as He has received ear drops in the past 4 years therefore using this as a pre existing condition. There is no solid proof that administration of ear drops for waxy ears caused the Aural Haematoma which developed in his right ear.
The Haematoma could have been caused by a bump, a sting or anything like that. I will be getting in touch and cancelling ALL my policies today.
AVOID THIS COMPANY AT ALL COSTS, nothing more than legalised robbery
18 June 2026
Unprompted review
Reply from Spot On Pet Insurance
Hi Mark,
Thank you for your feedback.
Decisions on claims are made based on the information provided, the veterinary evidence available at the time, and the terms of the policy which are available to you at all times on the customer portal.
We appreciate that you’ve already raised a formal complaint, and please rest assured that it’s receiving full attention from our complaints team. They will be in touch once they have finished their investigation.
The Spot On Pet Insurance Team
Reply from Spot On Pet Insurance
Hi Liz,
Thanks so much for your lovely review. We’re really pleased to hear the claims process was quick and that you had an excellent experience with our team.
We appreciate you choosing Spot On to help protect your pet.
The Spot On Pet Insurance Team.
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.
23 June 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.
17 June 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.
1 June 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 !
18 June 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.
9 June 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
18 June 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
9 June 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
15 June 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
9 June 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.
6 December 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.
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