Spot On Pet Insurance Avis 

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.

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.

No claims made, to date only used the website and purchased the insurance - at a reasonable price. Very happy.

Easy and quick.

Claim straight forward and quick. Excellent service

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.

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.

Pet insurance made simple

They are always very friendly and sympathetic when we lost our cat to illness. They very quickly processed out claim which was great.

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 !