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... Se mere
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Se, hvad kunderne siger
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... Se mere
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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... Se mere
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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... Se mere
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Virksomhedsoplysninger
Skrevet af virksomheden
Fast, reliable and value for money. We are pet insurance specialists, backed by years of expertise and powered by innovative technology.
Kontaktoplysninger
100 Bishopsgate, EC2N 4AG, London, Storbritannien
- info@spotonpetinsurance.co.uk
- spotonpetinsurance.co.uk
4,5
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I genuinely can’t fault the service…
I genuinely can’t fault the service I’ve 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, Gambit’s 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 (he’s 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 others—especially when dealing with high-cost or long-term treatment.
The policy has done exactly what it promised, allowing us to focus on Gambit’s care rather than finances. While I understand premiums may increase at renewal due to age and claims, that doesn’t take away from how well this claim was handled.
I’m genuinely grateful for the support received and would confidently recommend Spot On to other pet owners.
6. januar 2026
Besvarelse fra Spot On Pet Insurance
Hello JK,
Thank you so much for taking the time to share such a detailed and thoughtful review. We’re truly glad we could support you and Gambit through such a challenging time.
It’s reassuring to hear that the claims process was clear, efficient, and provided peace of mind when you needed it most. We’re also pleased that our team was able to review and reinstate Gambit’s third-party cover fairly, being open to reassessing decisions when new information is provided is something we take seriously.
We’re especially glad you found value in the structure of your policy. At Spot On, we don’t 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 don’t 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. I’d recommend.
22. januar 2026
Besvarelse fra 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
Besvarelse fra 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.
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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
Besvarelse fra 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
They reply quickly
They reply quickly, and once they have all the information about your pet, they process the claim promptly.
16. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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.
Besvarelse fra 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
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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. januar 2026
Besvarelse fra 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.
Poorly Cat
The website isn't easy to use when wanting the vet paid directly. When I took the policy out I missed the part which said If I wanted medication covered i had to pay extra, that wasn't very clear either. To top it off when my cat had to be put to sleep they didnt cover the cremation either.
2. januar 2026
Besvarelse fra Spot On Pet Insurance
Hi Peter,
Thanks for sharing your feedback and we're truly sorry to hear about the loss of your cat. Losing a pet is never easy, and we’re thinking of you during this difficult time.
We also appreciate your comments around the claims process and cover details. If you’d like the vet to be paid directly, you just need to tick the 'Pay the vet directly' option on the claims form.
Regarding medication and cremation cover: take-home medication is covered under our optional Health Booster, which can be added to your policy at any time. Cremation costs, however, are not covered under our policy wording, this is in line with most pet insurance providers.
If there's anything you’d like to discuss or need help with, please don’t hesitate to get in touch at info@spotonpetinsurance.co.uk.
The Spot On Pet Insurance Team.
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