This is by far the best Pet insurance company we have dealt with. Lost my beloved Westie of 15 years last week and canceling the policy/direct debit etc was done quickly and efficiently. Our dog was o... ãã£ãšèŠã
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Great customer service. I lost my cat recently, I messaged the customer service team and they replied straight away. They sent their condolences and refunded the last payment that had left the day bef... ãã£ãšèŠã
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Once again Spot On proved to be a most efficient and reliable pet insurance company, a simple claim form to fill in and my claim for my dog's vetinerary treatment was paid and in my bank account withi... ãã£ãšèŠã
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Took a fair while to receive payment. Most of claim was excluded from payment. I felt I was not made aware of the take out medicine or other treatments eg vaccination not being included in claims. A d... ãã£ãšèŠã
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Fast, reliable and value for money. We are pet insurance specialists, backed by years of expertise and powered by innovative technology.
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100 Bishopsgate, EC2N 4AG, London, è±åœ
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4.5
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The experience was great purely becauseâŠ
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.
2026幎2æ5æ¥
Spot On Pet Insurance ããã®åç
Hi there,
Thank you for your review, weâre really pleased you had a great experience, and we hope Willow is doing well.
Itâs lovely to hear our team handled your claim efficiently and that the correspondence was clear and âon pointâ 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 theyâve been great. Easy to work with and during a claim, they kept me informed, provided updates and paid out quickly. Great experience!
2026幎2æ5æ¥
Spot On Pet Insurance ããã®åç
Hi Sarah,
Thanks for taking the time to leave this review, weâre really glad youâve had a great experience with Spot On, especially as a new customer.
Itâs great to hear the claims process was easy, that you felt kept in the loop with clear updates, and that the payout was quick, thatâs 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
2026幎1æ22æ¥
Spot On Pet Insurance ããã®åç
Hi Karen,
Thanks so much for your lovely feedback, weâre really pleased youâve 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 weâre glad your research led you to us.
The Spot On Pet Insurance Team.
The process for claiming on the portalâŠ
The process for claiming on the portal was easy, and uploading documents.
2026幎1æ23æ¥
Spot On Pet Insurance ããã®åç
Hi Andy,
Thanks for your review, weâre 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.
Spot On Pet Insurance ããã®åç
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.
2026幎1æ19æ¥
Spot On Pet Insurance ããã®åç
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 canât fault the serviceâŠ
I genuinely canât fault the service Iâve 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, Gambitâs 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 (heâs 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 othersâespecially when dealing with high-cost or long-term treatment.
The policy has done exactly what it promised, allowing us to focus on Gambitâs care rather than finances. While I understand premiums may increase at renewal due to age and claims, that doesnât take away from how well this claim was handled.
Iâm genuinely grateful for the support received and would confidently recommend Spot On to other pet owners.
2026幎1æ6æ¥
Spot On Pet Insurance ããã®åç
Hello JK,
Thank you so much for taking the time to share such a detailed and thoughtful review. Weâre truly glad we could support you and Gambit through such a challenging time.
Itâs reassuring to hear that the claims process was clear, efficient, and provided peace of mind when you needed it most. Weâre also pleased that our team was able to review and reinstate Gambitâs third-party cover fairly, being open to reassessing decisions when new information is provided is something we take seriously.
Weâre especially glad you found value in the structure of your policy. At Spot On, we donât 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 donât 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. Iâd recommend.
2026幎1æ22æ¥
Spot On Pet Insurance ããã®åç
Hi Lana,
Thanks so much for the great feedback! Weâre thrilled to hear your claim process was smooth from start to finish, thatâs exactly what we aim for and weâre especially glad your payment was sorted quickly.
We really appreciate the recommendation, it means a lot!
The Spot On Pet Insurance Team
Spot On Pet Insurance ããã®åç
Hi Paul,
Thank you so much for the excellent review, and welcome to Spot On! Weâre really happy to have you and your pet with us. Itâs 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, weâre always here to help.
The Spot On Pet Insurance Team.
Spot On Pet Insurance ããã®åç
Hi Kate,
Thanks so much for the great feedback! We're thrilled to hear you've found our claims process quick, reliable, and professional, thatâs 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.
2026幎1æ22æ¥
Spot On Pet Insurance ããã®åç
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 timesâŠ
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.
2026幎1æ20æ¥
Spot On Pet Insurance ããã®åç
Hi Mitchell,
Weâre so sorry to hear about your catâs diagnosis, thatâs 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.
Youâve 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
Spot On Pet Insurance ããã®åç
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, weâre confident you'll see just how solid our support really is.
Appreciate you choosing Spot On!
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.
2026幎1æ16æ¥
Spot On Pet Insurance ããã®åç
Hi there,
Thanks for the great feedback! We know speed matters, especially when your pet needs care so weâre glad to hear our quick responses and prompt claims process made things easier for you. Once weâve got everything we need, weâre all about getting things sorted fast.
Appreciate you being with us!
The Spot On Pet Insurance Team
Unfortunately my cat is now onâŠ
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.
2026幎1æ15æ¥
Spot On Pet Insurance ããã®åç
Hi Susan,
Weâre truly sorry to hear about your catâs condition, that canât 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 weâre here for, especially when it matters most.
If thereâs anything else we can do to support you, please donât 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 ð€
2026幎1æ8æ¥
Spot On Pet Insurance ããã®åç
Hi Claire,
Thank you for your feedback. Our Boosters were designed to offer a more bespoke policy which is tailored to each petâs 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.
Very competitively priced and easy toâŠ
Very competitively priced and easy to set up
2026幎1æ13æ¥
Spot On Pet Insurance ããã®åç
Hi Linda,
Thanks so much for your feedback! Weâre delighted to hear you found our cover competitively priced and easy to set up, weâve designed it to be simple from the start. Welcome to Spot On!
The Spot On Pet Insurance Team
Spot On Pet Insurance ããã®åç
Hi Kath,
Thank you for your lovely review! Weâre so pleased to hear you found our claims service prompt and efficient, thatâs exactly what we aim for. If you ever need us again, weâll 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.
2026幎1æ13æ¥
Spot On Pet Insurance ããã®åç
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.
Weâll 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
2026幎1æ11æ¥
Spot On Pet Insurance ããã®åç
Hi Clare, thank you for your review and welcome to Spot On! ðŸ
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