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... Toon meer
Bedrijf heeft geantwoord
We verifiëren geen specifieke claims omdat reviewers hun eigen mening mogen geven. We kunnen reviews echter wel als 'Geverifieerd' bestempelen als we bevestiging hebben dat er een zakelijke interactie heeft plaatsgevonden. Meer informatie
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Lees wat reviewers zeggen
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... Toon meer
Bedrijf heeft geantwoord
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... Toon meer
Bedrijf heeft geantwoord
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... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Fast, reliable and value for money. We are pet insurance specialists, backed by years of expertise and powered by innovative technology.
Contactgegevens
100 Bishopsgate, EC2N 4AG, London, Verenigd Koninkrijk
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4,5
Uitstekend
992 reviews
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excellent service with claim
20 augustus 2026
Antwoord van Spot On Pet Insurance
Hi there,
Thank you for the great feedback! We’re really pleased to hear you received excellent service and that your claim was handled smoothly.
We really appreciate you choosing Spot On. 🐾
The Spot On Pet Insurance Team.
Antwoord van Spot On Pet Insurance
Hi Tanya,
Thanks for the great feedback! We’re really pleased to hear you found the policy details clear and getting covered quick and easy. Keeping things simple and straightforward is exactly what we aim for. 🐾
The Spot On Pet Insurance Team.
Love your pet? Spot On will be there.
I was hoping to never need to make a claim for our pet but I did and Spot On was 100% with everything. Anyone who loves ther pet can count on Spot On to be there. Thank you.
11 augustus 2026
Antwoord van Spot On Pet Insurance
Hi there,
Thank you so much for your kind words. We know making a claim can come at a worrying time, so we’re really pleased we could be there for you and make the process as smooth as possible. It means a lot to know you feel you can count on Spot On when it matters most. 🐾
The Spot On Pet Insurance Team.
Spot-on has been the best provider
Spot-on has been the best provider I have ever had. Reasonable fees. Prompt payment. They don’t ramp up the policy prices if you make a claim and on the whole are really nice people to deal with
17 augustus 2026
Antwoord van Spot On Pet Insurance
Hi Brian,
Thank you so much for the fantastic feedback. We’re delighted to hear you’ve been happy with our pricing and the service from our team.
It means a lot to know we’ve made such a positive impression, and we really appreciate you choosing Spot On. 💙
The Spot On Pet Insurance Team.
Very easy claim process
Very easy claim process. Sent an email saying I’d made a mistake on my form and got a reassuring reply within 24 hours.
17 augustus 2026
Antwoord van Spot On Pet Insurance
Hi there,
Thank you for the lovely feedback! We’re really pleased to hear you found the claim process easy and that our team could quickly reassure you after spotting the mistake on your form. Making things simple and straightforward is exactly what we aim for.
Thanks for choosing Spot On! 💙
The Spot On Pet Insurance Team.
Efficient claim handling and quick payment
They were able to answer my query via email before I made a claim and the claim process was straight forward and easy to complete.Pay out was quick within 10 days so really efficient. Just disappointed that there are certain caps on things,like interpretation of a blood test which has to be carried out,so there is no way of knowing how much it will be until its done only to then find its not all covered.I acknowledge that this is clearly worded on the policy and is reflected in the annual premium.
6 augustus 2026
Antwoord van Spot On Pet Insurance
Hi Paul,
Thank you for your detailed feedback. We’re really pleased our team could help with your query before you claimed, and that you found the claims process straightforward with a quick payout.
We completely understand your disappointment around some of the limits applied to veterinary fees. Unlike many providers, we keep these limits to a small number of specific areas where they’re needed to help protect against unpredictable or inflated charges by vets, while keeping premiums competitive.
Thank you for choosing Spot On.
The Spot On Pet Insurance Team.
Stay well away from spot on pet insurance
Stay well away. They are on line only, which makes it very difficult to deal with them. No phone number.
They reneged on paying for our 12 year old labradors operation, due to making ridiculous excuses.
Even our vets wrote to them stating their disgust and will not have dealings with spot on.
13 augustus 2026
Review zonder uitnodiging
Antwoord van Spot On Pet Insurance
Hi Lawrence,
Thank you for your feedback.
Customers love our call back service. This means you can request a call at a time to suit you instead of waiting in long call queues. We are very proud of the fact that we've never missed a call back.
When we assess a claim, we review your pet’s medical history alongside the terms of the policy. Our priority is always to assess claims fairly and based on the information provided.
The Spot On Pet Insurance Team.
Prices hikes are ridiculous
I've had insurance for my cat with Spot on for 3 years. The increases in years 2-3 were rather high but I assumed this was because my cat was now 10 years old.
My cat has no health conditions and I've never made a claim. Well this year the policy went up over 25%. This is beyond ridiculous, especially as he's perfectly healthy. I've moved to another provider for better cover and 45% less than my renewal from Spot on. Price gouging loyal customers is no way to business. Even more annoying is you can't cancel online!
11 augustus 2026
Review zonder uitnodiging
Antwoord van Spot On Pet Insurance
Hi Rex,
Thank you for your feedback and for being with Spot On for the past three years.
I was not able to locate your policy to have a look at what exactly was driving the increase.
That said, with annual vet fee inflation and your pet aging to age 10 this could indeed be correct and you could experience a similar or much higher renewal increases elsewhere in the market.
Why another providers new business price was 45% less can be for a number of reasons. With Spot On, our annual limits apply per condition and we don’t apply a percentage co-payment on claims for older pets, helping to provide more certainty over what you may need to pay if you do need to claim. We also try and keep the required prices changes as your pet ages as gradual as possible.
If you wish to discuss your policy, please contact us at info@spotonpetinsurance.co.uk and one of our agents will be happy to help.
The Spot On Pet Insurance Team.
Spot on are great with there emails and…
Spot on are great with there emails and getting back to you
There website is easy to use and set up claims and change your details
Even when our dog passed away they was kind and helpful and even send a letter of condolence about our dog passing away
The only thing i would say and i think this is the same for any pet insurence is make surs you have your pre medical conditons stated when you set up
But would recoomend espically if you have older pets
4 augustus 2026
Antwoord van Spot On Pet Insurance
Hi Callum,
Thank you so much for your kind review and recommendation. We’re especially glad our team could offer some support and compassion when your dog sadly passed away, we know how difficult that time can be.
It’s also great to hear you’ve found our website, claims process and communication easy to use.
Thank you for trusting Spot On with your pet’s cover. 💙
The Spot On Pet Insurance Team.
Antwoord van Spot On Pet Insurance
Hi there,
Thanks for choosing Spot On! We’re really pleased to hear you found taking out your policy quick and easy.
We’re delighted to have you and your pet with us. 💙
The Spot On Pet Insurance Team.
Brilliant service from start to finish
I apologise for the delay in my response! I have been away and now trying to catch up with everything!
I am so pleased to be covered by Spot-On. They kept me updated throughout my claim and dealt with it very efficiently.
I can not fault them 😊
Thank you.
30 juli 2026
Antwoord van Spot On Pet Insurance
Hi Dee thank you for your lovely feedback, you are very welcome! Our claims process is very efficient, once we receive all relevant information, we are assessing claims currently within a few days! 🤩
5 Stars – They truly lived up to their name
I don't often write reviews, but Spot On have genuinely earned this one.
For the past two years, Bailey, my cockapoo, has been insured with Spot On. During that time, I had complete peace of mind knowing that if anything happened, he was covered. As any dog owner knows, they're family, and having that reassurance allowed me to focus on Bailey rather than worrying about the financial side of unexpected veterinary care.
Every interaction I've had with Spot On has been straightforward, professional and compassionate. Claims were simple to submit, communication was clear, and everything was handled efficiently. They made what could have been a stressful process feel remarkably easy.
Sadly, Bailey recently passed away. Even then, Spot On continued to show the same level of care and professionalism. They contacted me with a thoughtful message of condolence, cancelled the policy without any hassle, and processed the remaining refund immediately. It wasn't just good customer service, it felt genuinely human.
Right now, I can't imagine having another dog. Bailey was my best friend and losing him has left a huge hole in my life. But I'm sure that, one day, there will be another four-legged friend. When that day comes, I won't even consider another insurer.
Spot On have earned my trust completely, and they've truly lived up to their name.
Thank you for giving me one less thing to worry about while I was caring for Bailey. It meant more than you'll ever know.
4 augustus 2026
Review zonder uitnodiging
Antwoord van Spot On Pet Insurance
Thank you for your amazing feedback Ben, I have passed it on to the team because they deserve to know that all their hard work and dedication is worth it.
We are very proud of our efficient and compassionate culture and are always happy to help our customers, in any way we can.
Reasonable rate
No claims made, to date only used the website and purchased the insurance - at a reasonable price. Very happy.
28 juli 2026
Antwoord van Spot On Pet Insurance
Hi Deborah, thank you for your feedback, and welcome to Spot On! 🐾
Great customer service
3 augustus 2026
Antwoord van Spot On Pet Insurance
Thank you for your review Marian, we are always happy to help customers and usually respond within an hour during the ours of 8am and 5pm, Monday to Friday! 🤩
Antwoord van Spot On Pet Insurance
Hi Rubi, thank you for your review, and welcome to Spot On! 🐾
Antwoord van Spot On Pet Insurance
Hi Sarah,
Thank you for your lovely review! We’re delighted to hear your claim was straightforward and handled quickly. Providing clear, efficient service is exactly what we aim for.
The Spot On Pet Insurance Team.
Tried to claim for librella and metacam…
Tried to claim for librella and metacam pain relief for a 14 year old dog, slowing down and in pain due to osteoarthiritis and joint degredation common in senior dogs due to age related wear and tear, the claim was refused as they said it was caused by a cruciate ligament operation 12 years previous so was a pre existing condition, they also stated a date my dog was recorded as "slowing down" which was a date we hadn't even visited a vets and we had already been insured with them for well over a year by then anyway even if it was true. Just felt like they were clutching at straws to not pay out and not a company worth paying for a policy with, will not renew with them again.
30 juli 2026
Review zonder uitnodiging
Antwoord van Spot On Pet Insurance
Hi Hannah,
Thank you for your review,
We’d like to clarify that under our policy wording, a pre-existing chronic condition is any condition, diagnosed or undiagnosed, that showed signs or symptoms prior to the policy start date, or within the waiting period.
This isn’t unique to Spot on; it’s standard across the pet insurance industry. When assessing a claim, our team reviews the full clinical history provided by you and your vet to understand when symptoms first appeared.
We do offer an appeals process if you believe the decision is incorrect. Please contact us at claims@spotonpetinsurance.co.uk and a member of the team will be happy to help.
The Spot On Pet Insurance Team.
AWFUL
ABSOLUTELY APPALLING COMPANY — AVOID AT ALL COSTS
I cannot express how disappointed and disgusted I am with Spot On Pet Insurance. After years of paying premiums and being a loyal customer, they have shown absolutely no understanding, fairness or willingness to properly assess a situation.
They have cancelled my French Bulldog’s insurance policy following a claim for an ear hematoma because they have chosen to interpret a note in his veterinary history as “aggressive behaviour”. This note relates to an incident when he was a 5-month-old puppy (he is now 9 years old), where he was uncomfortable during a veterinary examination and nipped at the vet.
To use isolated comments from over 8 years ago as justification for cancelling a policy is completely unreasonable and, frankly, shocking. Spot On have had access to his full medical history for years, as have our previous insurer, and this has never been raised as an issue or been a blocker before.
Our vet even took the time to provide a personal statement confirming that my dog is not aggressive in the slightest and that this incident was entirely out of context - yet Spot On chose to completely ignore this professional opinion.
This company appears to look for any possible reason to avoid paying claims rather than treating customers fairly. The moment they were faced with a claim, they searched through historic records to find a reason to remove their responsibility.
The result of their decision is that my dog is now left without insurance cover, despite having no history of aggression and despite years of being insured without issue. The lack of compassion, professionalism and common sense shown throughout this process has been appalling.
I would strongly warn any pet owner to THINK TWICE before trusting Spot On with their pet’s insurance. A company that can abandon a long-standing customer and leave a 9-year-old dog uninsured based on a misunderstood note from puppyhood is not a company I would ever recommend.
28 juli 2026
Review zonder uitnodiging
Antwoord van Spot On Pet Insurance
Hi Tanya,
Thank you for taking the time to share your feedback. We appreciate that situations like this can be upsetting, particularly when they involve a much-loved pet.
While we can't comment on the specifics of an individual policy in a public forum, we would like to clarify that we would never void a policy based on a single isolated incident of puppy behaviour.
Decisions of this nature are not made lightly and are only considered as a last resort where there is a broader history of documented aggressive behaviour recorded over time.
Each case is assessed individually, taking into account all relevant information available to us. We understand that every pet and every situation is unique, and we aim to make fair and consistent decisions in line with our underwriting criteria.
If a customer has concerns about a decision, we always encourage them to contact us directly so we can review the circumstances and discuss the outcome with them. Please contact info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
Antwoord van Spot On Pet Insurance
Hi Leon,
Thank you for choosing Spot On Pet Insurance! We’re delighted to hear that taking out your policy was simple and straightforward. That’s exactly how pet insurance should be.
Welcome to Spot On, we’re here whenever you need us.
The Spot On Pet Insurance Team.
They are always very friendly and…
They are always very friendly and sympathetic when we lost our cat to illness. They very quickly processed out claim which was great.
24 juli 2026
Antwoord van Spot On Pet Insurance
Hi David,
Thank you for your kind words. We’re so sorry for the loss of your cat, and we’re glad our team could offer friendly, sympathetic support at such a difficult time. It’s also lovely to hear that your claim was processed quickly and smoothly.
The Spot On Pet Insurance Team.
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