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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They were able to answer my query via email before I made a claim and the claim process was straight forward and easy to complete.Pay out was quick within 10 days so really efficient. Just disappointe... 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
4.5
Excellent
953 reviews
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Replied to 100% of negative reviews
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AWFUL
ABSOLUTELY APPALLING COMPANY — AVOID AT ALL COSTS
I cannot express how disappointed and disgusted I am with Spot On Pet Insurance. After years of paying premiums and being a loyal customer, they have shown absolutely no understanding, fairness or willingness to properly assess a situation.
They have cancelled my French Bulldog’s insurance policy following a claim for an ear hematoma because they have chosen to interpret a note in his veterinary history as “aggressive behaviour”. This note relates to an incident when he was a 5-month-old puppy (he is now 9 years old), where he was uncomfortable during a veterinary examination and nipped at the vet.
To use isolated comments from over 8 years ago as justification for cancelling a policy is completely unreasonable and, frankly, shocking. Spot On have had access to his full medical history for years, as have our previous insurer, and this has never been raised as an issue or been a blocker before.
Our vet even took the time to provide a personal statement confirming that my dog is not aggressive in the slightest and that this incident was entirely out of context - yet Spot On chose to completely ignore this professional opinion.
This company appears to look for any possible reason to avoid paying claims rather than treating customers fairly. The moment they were faced with a claim, they searched through historic records to find a reason to remove their responsibility.
The result of their decision is that my dog is now left without insurance cover, despite having no history of aggression and despite years of being insured without issue. The lack of compassion, professionalism and common sense shown throughout this process has been appalling.
I would strongly warn any pet owner to THINK TWICE before trusting Spot On with their pet’s insurance. A company that can abandon a long-standing customer and leave a 9-year-old dog uninsured based on a misunderstood note from puppyhood is not a company I would ever recommend.
28 July 2026
Unprompted review
Reply from Spot On Pet Insurance
Hi Tanya,
Thank you for taking the time to share your feedback. We appreciate that situations like this can be upsetting, particularly when they involve a much-loved pet.
While we can't comment on the specifics of an individual policy in a public forum, we would like to clarify that we would never void a policy based on a single isolated incident of puppy behaviour.
Decisions of this nature are not made lightly and are only considered as a last resort where there is a broader history of documented aggressive behaviour recorded over time.
Each case is assessed individually, taking into account all relevant information available to us. We understand that every pet and every situation is unique, and we aim to make fair and consistent decisions in line with our underwriting criteria.
If a customer has concerns about a decision, we always encourage them to contact us directly so we can review the circumstances and discuss the outcome with them. Please contact info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Leon,
Thank you for choosing Spot On Pet Insurance! We’re delighted to hear that taking out your policy was simple and straightforward. That’s exactly how pet insurance should be.
Welcome to Spot On, we’re here whenever you need us.
The Spot On Pet Insurance Team.
They are always very friendly and…
They are always very friendly and sympathetic when we lost our cat to illness. They very quickly processed out claim which was great.
24 July 2026
Reply from Spot On Pet Insurance
Hi David,
Thank you for your kind words. We’re so sorry for the loss of your cat, and we’re glad our team could offer friendly, sympathetic support at such a difficult time. It’s also lovely to hear that your claim was processed quickly and smoothly.
The Spot On Pet Insurance Team.
Excellent as always
23 July 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for the fantastic feedback! We’re delighted to hear that our claims process was excellent as always. We work hard to keep things clear, quick and hassle-free, so it’s great to know we delivered.
The Spot On Pet Insurance Team.
Taking out the cover for my older dog…
Taking out the cover for my older dog was quick and efficient and a much better price than other providers.
24 July 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for your great review! We’re pleased you found arranging cover for your dog quick, efficient and competitively priced. We’re proud to welcome pets of all ages, with no upper age limit, and it’s wonderful to know we could offer you better value.
The Spot On Pet Insurance Team.
If there were more stars than 5 to…
If there were more stars than 5 to award I would.
Value for money.
Extremely efficient and friendly service.
I genuinely feel that they are not just another insurance company and they care about my pet's health and wellbeing.
23 July 2026
Reply from Spot On Pet Insurance
Hi Nicola,
What an incredible review, thank you so much! We’re delighted you’ve found our service friendly, efficient and great value.
Our team are all pet owners too, so it means a lot to know you feel we genuinely care about your pet’s health and wellbeing, because that’s exactly what we aim for.
The Spot On Pet Insurance Team.
Never had a problem with them
Never had a problem with them, as my first pet insurer don’t have much to compare them to but we have had to unfortunately had to use the cover much more than we would have liked and they have always bailed us out
29 May 2026
Reply from Spot On Pet Insurance
Hi Joshua,
Thank you for choosing Spot On as your first pet insurer. We’re sorry you’ve needed to use your cover more often than hoped, but we’re really pleased we’ve been able to support you and your pet when it mattered most. Your kind feedback means a great deal to our team.
The Spot On Pet Insurance Team.
Good communication and easy to use…
Good communication and easy to use website, they have dealt with my claim quickly and efficiently
16 July 2026
Reply from Spot On Pet Insurance
Hi Jessica,
Thank you for your great feedback. We’re pleased you found our website easy to use and our communication helpful, and that your claim was handled quickly and efficiently. We really appreciate you choosing Spot On.
The Spot On Pet Insurance Team.
Excellent service all round
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 my claim, Spot On dealt with the claim so quickly and without any further input from myself they dealt directly with the vets. Their compassion on hearing my sad news was so nice. If I ever get another dog I will not hesitate to insure with Spot On. From their customer service to their claims department, they are excellent.
3 July 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you so much for sharing your experience. We’re deeply sorry for the devastating news about your pet, and we’re glad our team could make the claims process one less thing for you to worry about during such a difficult time.
Your kind words about our customer service and claims teams mean a great deal to us.
The Spot On Pet Insurance Team.
Excellent service
Excellent communication. Very easy to use the website and a quick response to my claim
I would highly recommend
14 July 2026
Reply from Spot On Pet Insurance
Hi Kim,
Thank you for the fantastic review! We’re delighted to hear that you found our communication clear, the website easy to use, and your claim was handled quickly. Your recommendation means a great deal to us.
The Spot On Pet Insurance Team.
Our experience of making a claim
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 at the vets.
Our level of insurance did not cover all costs but the explanations of what wasn’t covered were clear. I queried one item and the response was quick and answered my query.
Some of the emails sent to me were auto-generated but any subsequent emails were personal and thoughtful.
3 July 2026
Reply from Spot On Pet Insurance
Hi Jim,
Thank you for sharing your experience. We’re very sorry your dog was attacked, but pleased we could make the claims process as simple and supportive as possible during such a difficult time.
It’s great to hear the online portal was easy to use, our explanations were clear, and our team responded quickly and thoughtfully when you got in touch.
The Spot On Pet Insurance Team.
Very Good excellent service
8 July 2026
Reply from Spot On Pet Insurance
Hi Paul,
Thank you for your lovely review. We’re really pleased to hear you received excellent service from our Customer Success Team.
We’re glad we could help and make things feel smooth and straightforward for you.
The Spot On Pet Insurance Team.
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.
After receiving Spot On's reply to my previous review asking me to submit a claim under" Vets" bills. I submitted a claim which was declined (23.7.2026) basically because I chose a home Euthinsation rather than taking her to my normal Vet who did not provide this service.
So because I chose my pets welfare over a stressful Vet clinic I have been penalised. So beware everyone !
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.
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
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