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
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'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
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
Company replied
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
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.
Sorted quickly without fuss
3 March 2026
Reply from Spot On Pet Insurance
Hi David,
Thank you for your lovely feedback!
We’re really pleased to hear your issue was sorted quickly and without any fuss, that’s exactly the experience we aim to deliver. Pet insurance should be simple, clear, and stress-free, especially when you need us most.
We truly appreciate you taking the time to share this.
The Spot On Pet Insurance Team.
Awful Customer service
Awful Customer service, they literally cancelled my policy, as I didn’t change my Bank details intime two days they gave me
23 February 2026
Reply from Spot On Pet Insurance
Hi John,
Thank you for your review, we really appreciate your feedback.
Unfortunately, once a Direct Debit has been cancelled at the bank, we’re unable to reinstate it.
However, as soon as we’re notified of a cancelled Direct Debit, we email our customers straight away asking them to update their bank details to prevent the policy from being cancelled. We provide a 3–5 day window to allow time for this before the policy automatically cancels.
If you would like to discuss this further, please contact us via info@spotonpetinsurance.co.uk
Efficiency....
I was very impressed with the service from Spot On. My Direct Debit was cancelled for an unknown reason, and they informed me immediately. Their quick communication prevented my dog insurance from being cancelled, which saved me from an immense amount of stress. I am very grateful for their efficiency.
25 February 2026
Reply from Spot On Pet Insurance
Hi Sophie,
Thank you so much for sharing this, we’re really pleased we could step in quickly and help. We know how worrying it can be when something unexpected happens with a Direct Debit, especially when it could affect your dog’s cover.
Our team always aims to act fast and keep things clear, so it’s great to hear that our communication helped prevent any disruption and saved you stress. That’s exactly the kind of straightforward, supportive service we believe in.
If you ever need anything at all, just drop us a line at info@spotonpetinsurance.co.uk, we’re here to help.
The Spot On Pet Insurance Team.
Reply from Spot On Pet Insurance
Hi Agnes,
Thanks so much for your kind feedback! We’re really pleased to hear your renewal was simple and hassle-free, that’s exactly what we aim for, especially when life’s busy and you just want things to work smoothly.
If you ever want to review your cover or tweak your limits, you can do it anytime online or drop us a line at info@spotonpetinsurance.co.uk and our team will be happy to help.
The Spot On Pet Insurance Team.
Very happy with my experience
My experience with Spot On has been very satisfactory. I had reason to make a claim following my dog being diagnosed with a heart murmur. The claims process is transparent and very easy to follow. I was able to log on at any time to check progress of my claim. Claims were settled within advised timescales. The cost of insurance was very reasonable compared to other pet insurance. I would recommend this company to friends and family. I would also like to thank you for the kind words I received from Spot On following the passing of my little dog.
12 February 2026
Reply from Spot On Pet Insurance
Hi Arlene,
Thank you so much for sharing your experience with us.
We’re really pleased to hear you found the claims process clear, easy to follow, and that you were able to check progress whenever it suited you. It’s also great to know your claim was settled within the advised timescales and that you found our pricing reasonable, that balance of value and service is exactly what we aim for.
We were so sorry to hear about the passing of your little dog. Please accept our heartfelt condolences. We know how much they mean to you, and we’re truly glad our message brought even a small measure of comfort at such a difficult time.
Thank you for your recommendation and for trusting us to support you.
The Spot On Pet Insurance Team.
Annoyed my policy was renewed without…
Annoyed my policy was renewed without adequate notice. If an email/norice was sent.. it wasnt recieved.
19 February 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for your feedback.
We send renewal information up to 40 days before the renewal date specifically to give you plenty of time to review your documents and make a decision. On this occasion, we did issue the renewal emails in line with our usual process, however we became aware of a delay on Microsoft’s outlook/hotmail email servers at the time, which affected the delivery of some outgoing emails and these emails were slighty delayed. This was outside of our control, but we appreciate that it may have impacted you, if you are still having issues please contact us at info@spotonpetinsurance.co.uk where a member of our team will be happy to help.
The Spot On Pet Insurance Team.
Wasn't a great experience as it follows…
Wasn't a great experience as it follows the death of our beloved dog Milo, I know it's a hard job to do, but I felt upset that you had his breed from the policy yet after he died asked 'what breed he was' and for' a photo of him....' which was really upsetting when I was greiving, but on the phone the person I spoke to was respectful and I appreciated that. The policy paid out to the vet hospital just under 2 months after, I have never used this process before so I cannot comment on speed, but I have used them again for my 3 dogs
17 February 2026
Reply from Spot On Pet Insurance
Hi Davie,
Thank you for sharing this, and we’re so very sorry for the loss of Milo.
To explain, when the details provided by a vet don’t fully match the information on a policy, we do need to double-check those details to make sure everything is accurate. That’s why we had to ask for confirmation in this case. Once your vet responded to our queries, the claim was processed promptly.
We’re grateful for your kind words about our team member, and it really means a lot that you’ve trusted us again to cover your three dogs.
The Spot On Pet Insurance Team.
Easy to make a claim and received…
Easy to make a claim and received confirmation that it would be paid within a few days
17 February 2026
Reply from Spot On Pet Insurance
Hi Lorraine,
Thanks so much for your review! We’re really pleased to hear you found the claims process easy and that you received confirmation so quickly.
We know how important it is to have clarity and reassurance when you make a claim, so it’s great to know everything was straightforward and handled within a few days. That’s exactly the hassle-free experience we aim to provide.
The Spot On Pet Insurance Team.
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.
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.