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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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 disappointe... See more
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Company details
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
952 reviews
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This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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Quick and Easy to do.
I just filled in the claim forms, sent them to spot on, They then got in touch with my vets to confirm everything. SPOT ON kepted me updated with emails along the way and the moneys owned were put into my bank account within a couple of weeks.
3 March 2026
Reply from Spot On Pet Insurance
Hi Tina,
Thank you for taking the time to share your experience! We’re really pleased to hear that you found the claims process quick and easy.
It’s great to know the team kept you updated along the way and that everything was sorted smoothly with your vet. We always aim to make claiming as straightforward as possible, so you can focus on your pet while we handle the rest.
Thanks again for your kind feedback and for choosing Spot On.
The Spot On Pet Insurance Team.
Rang back in under 10 mins
10 March 2026
Reply from Spot On Pet Insurance
Hi Trisha,
Thanks for taking the time to leave a review. We’re really pleased to hear our team got back to you so quickly, when you’re calling about your pet, getting a prompt response matters.
Our call-back service is designed to make things easy: you choose a time that suits you, we will already have your policy open when we call, and you speak to a real person straight away. It’s a simple system that works and we’ve never missed a call-back request.
Thanks again for the feedback, and we’re always here if you need us.
The Spot On Pet Insurance Team.
Staff are helpful and empathetic
Staff are helpful and empathetic. I was in a ‘dark place’ regarding my cat but it all worked out, not least to Spot On.
3 March 2026
Reply from Spot On Pet Insurance
Hi Victoria,
Thank you for your kind words. We’re really glad our team could support you during such a difficult time, hearing that you felt our staff were helpful and empathetic means a lot to us.
Moments like these can be incredibly tough, so we’re relieved things worked out for you and your cat in the end. Wishing you both all the very best going forward.
The Spot On Pet Insurance Team.
Always very quick response and easy to…
Always very quick response and easy to use the website
27 February 2026
Reply from Spot On Pet Insurance
Hi Sian,
Thank you for taking the time to share your experience! We’re really pleased to hear that you found the claims journey quick and that the website was easy to use. That’s exactly what we aim for, making it simple and stress-free to manage your policy and submit claims online.
The Spot On Pet Insurance Team.
Great to deal with.
This company is brilliant. No hassle, no lengthy forms. Their responses are quick, friendly and above all - from a human ! Highly recommended.
5 March 2026
Reply from Spot On Pet Insurance
Hi there,
Thank you for the lovely feedback! We’re really pleased to hear you found Spot On great to deal with.
Keeping things simple, quick and genuinely helpful is exactly what we aim for. We really appreciate your recommendation and are always here if you ever need us.
The Spot On Pet Insurance Team.
Swift and painless dealt with…
Swift and painless dealt with exceptionally and with feeling
5 March 2026
Reply from Spot On Pet Insurance
Hi Dawn,
Thank you for your review. We’re really pleased to hear your experience with Spot On was swift and painless, and that our team handled everything with care.
We know making a claim can be a stressful time, so it means a lot to hear that the process felt straightforward and supportive for you. If you ever need anything in the future, our team will always be here to help.
The Spot On Pet Insurance Team.
Deal with claims fairly quickly though…
Deal with claims fairly quickly though you have to set the claims up yourself rather than the vet doing this. If you use different vets, then you need to create multiple claims. There are many exceptions and if you need to find the cause of an illness, then the cover is severely limited.
3 March 2026
Reply from Spot On Pet Insurance
Hi Gary,
Thank you for taking the time to share your feedback.
We’re pleased to hear you’ve found our claims process fairly quick, that’s always our goal. Our online portal is designed to give customers full visibility and control.
All claims are assessed in line with our policy wording.
If you’d like us to look at anything in more detail or need any further information regarding your claim, please email claims@spotonpetinsurance.co.uk and we’ll gladly help.
The Spot On Pet Insurance Team.
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.
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