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
945 reviews
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Replied to 100% of negative reviews
Typically replies within 24 hours
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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
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.
My third insurance claim (unfortunately…
My third insurance claim (unfortunately for Olive and myself), so easy to do.
In my opinion, Spot On Pet Insurance, is very fair in their cost of insurance. Although Olive has been ill during the last year and we have claimed three times, my renewal premium has only gone up by £1 per month, for which I am very grateful.
The choice of insurance cover is easy to understand and navigate for individual add-ons etc.
I have found Spot On to be available for clarification or help, easily online and then to speak on the phone. Always prompt in answering. So much better to be able to contact direct, no robots involved.
I can only say,in my experience, this insurance company is exceptionally good and I recommend them.
2 January 2026
Reply from Spot On Pet Insurance
Hi Janet,
Thank you so much for this thoughtful and generous review, we’re really sorry to hear Olive’s had a tough year, but we're glad we've been able to support you both through it.
It’s great to hear that you’ve found the claims process straightforward and that the way we handle renewals and cover options has felt fair and clear. We work hard to keep things simple, transparent, and personal, no bots, no waiting around, so your kind words really mean a lot to the team.
Thanks again for the recommendation, and give Olive a gentle pat from us!
The Spot On Pet Insurance Team.
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