I can't fault spoton pet insurance. Olive, my pet cat was 16 years old when I took out insurance for her with spoton, just 3 or 4 years ago. The monthly premiums were very competitive with ver... See more
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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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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
957 reviews
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Replied to 100% of negative reviews
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Claiming was straightforward
Claiming was straightforward and was handled without any problems.
I started the initial claim and the rest was sorted directly with the vet leaving me to concentrate on my dogs recovery
12 February 2026
Reply from Spot On Pet Insurance
Hi Julie,
Thanks so much for your review, we’re really pleased to hear your claim was straightforward and handled without any problems.
We know how stressful it can be when your dog isn’t well, so being able to deal directly with your vet and take that admin off your plate is exactly how it should work. It’s great to know that meant you could focus fully on your dog’s recovery.
If you ever need us, our team is just an email away at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
The claiming process on the portal is…
The claiming process on the portal is easy and straightforward. The fast action on my senior cat’s insurance claim has brought real peace of mind during this stressful time.
6 February 2026
Unprompted review
Reply from Spot On Pet Insurance
Thank you for your review, we are currently assessing claims within a few days once all relevant information is received.
The experience was great purely because…
The experience was great purely because of how efficient the team were dealing with my claim for Willow.
Correspondence between us was on point.
Thank you very much.
5 February 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for your review, we’re really pleased you had a great experience, and we hope Willow is doing well.
It’s lovely to hear our team handled your claim efficiently and that the correspondence was clear and “on point” throughout. That smooth, speedy claims support is exactly what we aim for.
The Spot On Pet Insurance Team.
Great experience with claims
New customer to SpotOn and they’ve been great. Easy to work with and during a claim, they kept me informed, provided updates and paid out quickly. Great experience!
5 February 2026
Reply from Spot On Pet Insurance
Hi Sarah,
Thanks for taking the time to leave this review, we’re really glad you’ve had a great experience with Spot On, especially as a new customer.
It’s great to hear the claims process was easy, that you felt kept in the loop with clear updates, and that the payout was quick, that’s exactly the experience we aim to deliver.
The Spot On Pet Insurance Team.
Service and Value for Money - Spot On!
I have made three claims since joining Spot On and can honestly say it was such an easy process. I gave details about my pets accident, uploaded the vets invoice and submitted it. A few days later the money for my claim was in my account - it could not be easier.
I would highly recommend them for service and value for money. My last company quoted a ridiculous monthly amount as one of my pets is over 10years old (never claimed for her) which prompted me to do some research and I am so glad I did
22 January 2026
Reply from Spot On Pet Insurance
Hi Karen,
Thanks so much for your lovely feedback, we’re really pleased you’ve found claiming with Spot On so easy, and that our speedy claims process had the money in your account within a few days.
We also really appreciate you highlighting the value for money, especially with an older pet, we know fair pricing matters, and we’re glad your research led you to us.
The Spot On Pet Insurance Team.
The process for claiming on the portal…
The process for claiming on the portal was easy, and uploading documents.
23 January 2026
Reply from Spot On Pet Insurance
Hi Andy,
Thanks for your review, we’re glad the portal made it easy to submit your claim and upload documents, and that our speedy claims process helped get things moving quickly.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Sooz, thank you for your feedback. We try to make the quote journey as simple as possible and clear enough to understand.
Claiming with Spot on
I had recently gone with spot on for my my pet insurance. We all hope we don't have to claim but I have to say when I did spot on were very quick in replying and it didn't take them long to review my claim. Thank you for sorting everything out whilst going through a difficult time with my pet. It really took the stress out of everything.
19 January 2026
Reply from Spot On Pet Insurance
Hi Rachel, I'm so sorry to hear about your loss. We all have pets ourselves so we know what they mean to us as pet owners. Our team are efficient but also empathic and we do as much as we can to help our customers going through a difficult time.
I genuinely can’t fault the service…
I genuinely can’t fault the service I’ve received from Spot On Pet Insurance during an incredibly stressful time.
Once the hospital and our vets submitted the required information, payments were processed quickly and without any issues, which made a huge difference while we were navigating cancer investigations. Communication was clear, and the claims process was handled professionally throughout.
At one point, Gambit’s third-party cover was removed due to a comment in his veterinary records about him snarling. After I provided my own statement, a supporting letter from the vets, and his full history (he’s 11 years old with no prior incidents), Spot On reviewed the evidence fairly and reinstated the cover in full. That willingness to reassess and correct a decision really stood out to me.
One aspect I particularly appreciate is the lack of a co-payment. Aside from a straightforward £200 excess, there was no percentage contribution required, which makes this policy a real advantage over many others—especially when dealing with high-cost or long-term treatment.
The policy has done exactly what it promised, allowing us to focus on Gambit’s care rather than finances. While I understand premiums may increase at renewal due to age and claims, that doesn’t take away from how well this claim was handled.
I’m genuinely grateful for the support received and would confidently recommend Spot On to other pet owners.
6 January 2026
Reply from Spot On Pet Insurance
Hello JK,
Thank you so much for taking the time to share such a detailed and thoughtful review. We’re truly glad we could support you and Gambit through such a challenging time.
It’s reassuring to hear that the claims process was clear, efficient, and provided peace of mind when you needed it most. We’re also pleased that our team was able to review and reinstate Gambit’s third-party cover fairly, being open to reassessing decisions when new information is provided is something we take seriously.
We’re especially glad you found value in the structure of your policy. At Spot On, we don’t include co-payments, just a straightforward fixed excess, because we believe in keeping things simple and predictable, especially when treatment costs can be high. And importantly, we don’t penalise older pets when claims are made; every pet deserves proper support, no matter their age.
Thank you again for your kind words and your recommendation. Wishing Gambit all the very best in his recovery.
The Spot On Pet Insurance Team.
Great service
Starting the claim was easy to complete the vet then added everything else that was required about the operation.
I confirmed with pictures the breed of my dog and payment was quick and in full for policy. I’d recommend.
22 January 2026
Reply from Spot On Pet Insurance
Hi Lana,
Thanks so much for the great feedback! We’re thrilled to hear your claim process was smooth from start to finish, that’s exactly what we aim for and we’re especially glad your payment was sorted quickly.
We really appreciate the recommendation, it means a lot!
The Spot On Pet Insurance Team
Reply from Spot On Pet Insurance
Hi Paul,
Thank you so much for the excellent review, and welcome to Spot On! We’re really happy to have you and your pet with us. It’s great to hear you found it a very easy process to get your pets covered, quick, simple, and stress-free is exactly what we aim for.
If you ever have any questions or need a hand, just drop us a message at info@spotonpetinsurance.co.uk, we’re always here to help.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Kate,
Thanks so much for the great feedback! We're thrilled to hear you've found our claims process quick, reliable, and professional, that’s exactly what we aim for. Making things simple and stress-free for pet parents is what we're all about.
Best wishes,
The Spot On Pet Insurance Team.
Simple online claims and fast response
Simple online claims and fast response. Would recommend.
22 January 2026
Reply from Spot On Pet Insurance
Hi Linda,
Thanks for the great feedback! We're so glad the online claims process was simple and speedy, exactly what we aim for. Really appreciate the recommendation!
The Spot On Pet Insurance Team
We Have used our insurance a few times…
We Have used our insurance a few times recently as our cat was diagnosed with heart failure . They have paid out for nearly all treatments and scans etc . Cant fault them . Our bill was thousands and It was a huge relief knowing That spot on had us covered . My only small gripe is that Dental isn't covered and is an add on which I would definitely add to my next pet.
20 January 2026
Reply from Spot On Pet Insurance
Hi Mitchell,
We’re so sorry to hear about your cat’s diagnosis, that’s never easy. We're really glad we could be there to help take the pressure off during such a tough time, and that our cover gave you the support you needed when it mattered most.
You’ve made a great point about dental cover. Just to clarify: our core policy does include cover for dental treatment due to accident and injury. For illnesses affecting the teeth or gums, we offer the Dental Booster add-on, which can be added on at any time, pre or post purchase.
Wishing your cat all the comfort and care they deserve.
The Spot On Pet Insurance Team
Reply from Spot On Pet Insurance
Hi there,
Thanks for the feedback! We're glad you found it easy to set up and that the cover stood out to you. We're here to make things simple from the start and when the time comes, we’re confident you'll see just how solid our support really is.
Appreciate you choosing Spot On!
The Spot On Pet Insurance Team
Excellent, professional service.
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 lost her battle and crossed over the bridge Spot On were there for me ready to offer any help/support that I may need.
Thank you to all for your kindness and understanding.
I would recommend Spot On to anyone looking for pet insurance.
12 January 2026
Reply from Spot On Pet Insurance
Hi Elaine,
Thank you so much for your heartfelt review. We’re deeply sorry to hear about the loss of your beautiful Milly, please accept our sincerest condolences. It means a lot to know we could offer support and clarity during such a difficult time.
We’re truly grateful for your kind words and recommendation. Our team is here for pet parents through every step.
With warmth,
The Spot On Pet Insurance Team
They reply quickly
They reply quickly, and once they have all the information about your pet, they process the claim promptly.
16 January 2026
Reply from Spot On Pet Insurance
Hi there,
Thanks for the great feedback! We know speed matters, especially when your pet needs care so we’re glad to hear our quick responses and prompt claims process made things easier for you. Once we’ve got everything we need, we’re all about getting things sorted fast.
Appreciate you being with us!
The Spot On Pet Insurance Team
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.
15 January 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 😤
8 January 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
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