Spot On Pet Insurance Reviews 

Taking out the cover for my older dog was quick and efficient and a much better price than other providers.

If there were more stars than 5 to award I would.
Value for money.
Extremely efficient and friendly service.
I genuinely feel that they are not just another insurance company and they care about my pet's health and wellbeing.

Never had a problem with them, as my first pet insurer don’t have much to compare them to but we have had to unfortunately had to use the cover much more than we would have liked and they have always bailed us out

Good communication and easy to use website, they have dealt with my claim quickly and efficiently

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 my claim, Spot On dealt with the claim so quickly and without any further input from myself they dealt directly with the vets. Their compassion on hearing my sad news was so nice. If I ever get another dog I will not hesitate to insure with Spot On. From their customer service to their claims department, they are excellent.

Excellent communication. Very easy to use the website and a quick response to my claim
I would highly recommend

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 at the vets.
Our level of insurance did not cover all costs but the explanations of what wasn’t covered were clear. I queried one item and the response was quick and answered my query.
Some of the emails sent to me were auto-generated but any subsequent emails were personal and thoughtful.

Didn't realise that the policy did not pay out on death if the pet was over 8 years old.
Apart from being very upsetting to understand my nearly 16 year old dogs life was worth nothing, this fact was not clearly highlighted.
After receiving Spot On's reply to my previous review asking me to submit a claim under" Vets" bills. I submitted a claim which was declined (23.7.2026) basically because I chose a home Euthinsation rather than taking her to my normal Vet who did not provide this service.
So because I chose my pets welfare over a stressful Vet clinic I have been penalised. So beware everyone !

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's been dealt with quickly and efficiently by Spoton.

Sadly, just recently, our cat took ill with a terminal problem, which involved a number of visits to the vet, and she was eventually put to sleep, so we had to submit several more claims. Once again, these were handled without fuss, and everything was fully explained.

We now no longer need a policy, but it was always reassuring to know we had cover. We would highly recommend Spoton to anyone looking for pet insurance.

Thank you for your nice communication and for processing the claim quickly.

Excellent service and excellent information if they require more details to process a claim

Besides having a very good insurance price, when our dog Alfie died, Spot On were very good with communications and help with regard to the fees and their re-embursement. Don’t be put off by all communications being done by email, they were quick in their responses.

Quick and easy
Happy with my quote

I have found spot on excellent, I find all those I have dealt with with very helpful ,and the service very simple and this claim sorted quickly

What a shower of crooks.
I have 2 out of my 3 dogs insured with Spot On, but not for much longer. I made my first ever claim the other week for £698 for an operation that had to be performed on one of my Labradors, the claim was rejected by Spot on as He has received ear drops in the past 4 years therefore using this as a pre existing condition. There is no solid proof that administration of ear drops for waxy ears caused the Aural Haematoma which developed in his right ear.
The Haematoma could have been caused by a bump, a sting or anything like that. I will be getting in touch and cancelling ALL my policies today.

AVOID THIS COMPANY AT ALL COSTS, nothing more than legalised robbery

I have had an excellent experience with SpotOn pet insurance company and would highly recommend them to any pet owner.

The cover is comprehensive and provides great peace of mind, while the premiums are very reasonable for the level of protection offered. Most importantly, their claims process is straightforward, fast and efficient. Every claim I have submitted has been handled promptly, and the reimbursement has always been paid in a timely manner.

Thanks to their reliable support, I was able to afford the treatment my beloved cat needed without the added stress of worrying about the financial burden. During a difficult time, knowing that I could count on my insurer made a huge difference.

Both my cat and I are extremely grateful for the care and support they have provided. They are a trustworthy company that genuinely helps pet owners when they need it most. I would strongly recommend them to anyone looking for dependable pet insurance.

Reading these reviews I feel like I've dealt with an entirely different company.
We took our boy to the vet with the piece of mind that he was insured. We have never claimed before. How wrong we were.

In almost £1000 worth of fees we received just shy of £90 back from SpotOn. Due to their out dated allowances for blood tests which there were multiples of. We knew take home medication wasn't covered as I didn't add this to the policy. These equalled around £100. But we thought the tests would be covered.
Due to the results we made the difficult decision to put our boy to sleep. Which I told them. They continued to message even when we were in the vet appointment to put him to sleep.

Poorly worded messages and emails are horrific considering what we were going through. Dealing with this added to the levels of stress immensely. It really didn't need to.

I will never recommend. I have cancelled all other policies with the company. They are not the support they should have been and really didn't care about our situation.

Please don't use them.

Our beautiful dog needed medical attention and our claim was settled quickly. Sadly he passed away several weeks later. Cancelling the policy was easy and swift. Compassionate service and understanding.

Spot on always respond quickly with clear answers .They have kept me informed with recent claims too 🐈
Even with follow ups when the Vet didn’t respond for a few days .A first class service so Spot on !