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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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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Company details
- #15 of 30 best companies in 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
100 Bishopsgate, EC2N 4AG, London, United Kingdom
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4.5
Excellent
942 reviews
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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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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.
I insured my last dog with Spot On and…
I insured my last dog with Spot On and found the process easy and the rate charged good value, for that reason I have taken out cover for my new pup.
10 June 2026
Reply from Spot On Pet Insurance
Hi Cathryn,
Thank you for your lovely review. We’re really pleased to hear you found the process easy and good value with your last dog.
It’s great to know that positive experience brought you back to Spot On for your new puppy. Thanks again for choosing us.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Martyn,
Thank you for your lovely review. We’re really pleased to hear you received excellent service from our Customer Success team.
We always aim to be helpful, clear and efficient, so it’s great to know this came through in your experience.
The Spot On Pet Insurance Team.
So far no problems with getting the…
So far no problems with getting the payout for my dog being diagnosed with diabetes. Although a bit of a mix up in the beginning and some items that were needed for her care were not covered.
21 May 2026
Reply from Spot On Pet Insurance
Hi Glynn,
Thank you for your review.
All claims are assessed and processed in line with the policy wording, and we appreciate your feedback. We’re glad we could support you with the claim overall.
The Spot On Pet Insurance Team.
Easy to set up insurance and reasonable…
Easy to set up insurance and reasonable prices, including the add on options.
7 June 2026
Reply from Spot On Pet Insurance
Hi Abbie,
Thanks so much for your review. We’re really pleased to hear you found it easy to set up your policy and that the pricing and add-on options worked well for you.
We aim to keep things simple, flexible and good value from the very start, so it’s great to know your experience reflected that.
Welcome to Spot On!
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Isobel,
Thanks so much for your review. We’re really pleased to hear you found a good deal and that taking out your policy was easy through our website.
We’ve designed Spot On to be straightforward from the start, so it’s great to know the process worked well for you. Welcome to Spot On!
The Spot On Pet Insurance Team.
I highly recommend this insurance…
I highly recommend this insurance company. Throughout the time I was insured with them, I never had any problems at all. They covered all of Muha's veterinary visits and claims were handled smoothly and professionally.
Sadly, after losing my beloved dog, I had to cancel the policy. The team dealt with everything quickly and showed genuine kindness and compassion during a very difficult time. Their thoughtful condolences meant a lot to me.
Excellent customer service, reliable coverage, and caring staff. Thank you for all your support over the years.
5 June 2026
Reply from Spot On Pet Insurance
Hi Valentina,
Thank you so much for your heartfelt review and recommendation. We’re truly sorry for the loss of Muha, we know how much our pets mean to us, and our thoughts are with you.
It’s lovely to hear that your claims and veterinary visits were handled smoothly over the years, and that our team could support you with kindness when it mattered most. Your words mean a great deal to us.
The Spot On Pet Insurance Team.
Poor cover
You're not told about what's covered until you make a claim and then you have to add on "take home medication " which is not an option online when taking out a policy
5 June 2026
Reply from Spot On Pet Insurance
Hi Alice,
Thank you for your review, your feedback is very important to us.
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.
If you would like to discuss your cover, please contact us via info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Dorothy,
Thanks so much for your lovely review. We’re really pleased to hear our Customer Success team handled your request promptly, that’s exactly the straightforward, efficient service we aim for.
We really appreciate you taking the time to share your experience.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Paul,
Thank you for your lovely review. We’re really pleased to hear our Customer Success team were helpful and kept communication clear throughout.
We always aim to make things simple and straightforward, so it’s great to know this came through in your experience.
The Spot On Pet Insurance Team.
Although my contact this time was to…
Although my contact this time was to advise our dog had passed away the response was quick and efficient. Never had a problem with company.
3 June 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for your kind review. We’re so sorry to hear that your dog has passed away, we know how heartbreaking it is to lose such a loved member of the family.
We’re glad our team were able to respond quickly and efficiently at such a difficult time, and we really appreciate your lovely comments about your experience with us.
The Spot On Pet Insurance Team.
Spot On is spot on!
Spot On have been brilliant with our recent experience with our cat Autumn and previously our other cat Whiskers. Whiskers has been diagnosed with an overactive thyroid condition and Autumn inflammatory bowel disease and the Spot On system for submitting a claim is simple and straight forward and takes the stress out of submitting an insurance claim. They’re quick to respond to emails and assist with any queries. We chose Spot On for Autumn’s insurance due to the previous good experience with Whiskers. Thank you Spot On, highly recommended and thank you for taking some anxiety and stress away when our furry friends were poorly :)
2 June 2026
Reply from Spot On Pet Insurance
Hi Kelly,
Thank you so much for your lovely review and recommendation. We’re really pleased to hear we’ve been able to support you with Autumn and Whiskers, especially during such worrying times.
It’s great to know you’ve found our claims system simple and straightforward, and that our team have been quick to help with your questions. We’re glad we could take a little of the stress away when your cats were poorly.
The Spot On Pet Insurance Team.
I had mistakingly cancelled my direct…
I had mistakingly cancelled my direct debit, e-mailed them and it was sorted right away their customer service is excelent
1 June 2026
Reply from Spot On Pet Insurance
Hi Sandra,
Thank you for your kind review. We’re really pleased our team could get things sorted quickly after your direct debit was cancelled by mistake.
We know how important it is to keep your cover running smoothly, so it’s great to hear our customer success team were able to help right away.
The Spot On Pet Insurance Team.
My first experience to claim a…
This was my first experience to claim a pet insurance. The claim process was stree-free. And my claim was processed very quickly and clearly. Thank you.
29 May 2026
Reply from Spot On Pet Insurance
Good afternoon, thank you for your review. Our claims process is a very speedy one, once all relevant information is received.
new client
It seemed to offer all the cover I was looking for and bonus coverage too for a very competitive price.
29 May 2026
Reply from Spot On Pet Insurance
Thank you for your review Joyce! Our policies are very competitive for the cover we provide.
Charge a fortune and hardly cover…
Charge a fortune and hardly cover anything that is standard with other companies and hide all this information in the small print
29 May 2026
Reply from Spot On Pet Insurance
Hi Donna, thank you for your feedback, it is very important to us.
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 all of the policy documents.
Unfortunately, we have no control over how much vets charge for certain fees but it is common practice in the pet insurance industry to have caps for these.
If you need to discuss anything please contact info@spotonpetinsurance.co.uk.
Easy company to use
Really easy to set up and then during the policy change the direct debit date-literally sent an email and had a reply that it was done within 10/15min which is amazing timing
29 May 2026
Reply from Spot On Pet Insurance
Hi there,
Thanks so much for your lovely review. We’re really pleased to hear you found Spot On easy to set up and simple to use.
It’s great to know our Customer Success team could update your Direct Debit date so quickly after your email. They work hard to give quick, helpful replies so you’re not left waiting around.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Tetiana,
Thank you for your review. We’re really pleased to hear everything is fine following your claims outcome.
We know claims can be an important moment, so it’s great to know things are now sorted for you. Thanks again for choosing Spot On.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Val,
Thanks so much for your review. We’re really pleased to hear taking out your policy was easy and convenient, that’s exactly how pet insurance should feel.
Welcome to Spot On, and thanks for choosing us to help protect your pet.
The Spot On Pet Insurance Team.
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