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
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
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
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
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
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
See how their reviews and ratings are sourced, scored, and moderated.
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.
13 January 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
11 January 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.
8 January 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.
8 January 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
6 January 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.
5 January 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
5 January 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.
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.
2 January 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
30 December 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
30 December 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.
16 December 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.
18 December 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
18 December 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.
18 December 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.
11 December 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.
Can't fault them!
Very helpful, very responsive, really can't fault them - highly recommend!
18 December 2025
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.
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.
16 December 2025
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.
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!
9 December 2025
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
Can’t speak highly enough of Spot On…
Can’t speak highly enough of Spot On pet insurance.
Absolutely first class service throughout
27 November 2025
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.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.