Spot On Pet Insurance review

Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 29, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Spot On Pet Insurance suits pet owners who want dedicated pet cover paid monthly with clear limits. Cover runs to 5000 GBP per unrelated condition per year for each unrelated condition each year, with eligibility set at Over 4 weeks, no upper limit.

Key facts

Best for
Dedicated monthly pet cover with clear per condition limits
Insurance types
Pet (Source, checked September 29, 2026)
Provider type
Broker (Source, checked September 29, 2026)
Monthly payments
Yes (Source, checked September 29, 2026)
Excess from
£99 (Source, checked September 29, 2026)
Cover limit
5000 GBP per unrelated condition per year (Source, checked September 29, 2026)
Claims channels
Online portal (Source, checked September 29, 2026)
Age range
Over 4 weeks, no upper limit (Source, checked September 29, 2026)
Legal entity
Trusted Insurance Services Ltd (Source, checked September 29, 2026)
Headquarters
United Kingdom (Source, checked September 29, 2026)
Support channels
Email, Help-centre (Source, checked September 29, 2026)
Pricing model
Monthly
Official website
spotonpetinsurance.co.uk

Apps and profiles

Elsewhere
Trustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • Claims handled through online portal, keeping submissions centralised and paper free.
  • Plans run on monthly, with monthly payments offered for budgeting ease.
  • Operates as broker with dedicated focus on pet protection.

Cons

  • Support runs on email and help centre only, which limits direct contact routes.
  • Range stays within pet, so shoppers wanting bundled lines need another provider.
Spot On Pet Insurance

Ready to try Spot On Pet Insurance?

Scored 8.7 / 10 by AssureCue.

See alternatives

Who it suits

  • Pet owners seeking monthly pet cover with clear per condition limits
  • Owners of young or senior pets needing broad age eligibility
  • Readers comfortable claiming online and managing cover by email

Who should look elsewhere

  • Shoppers wanting bundled home and travel lines should consider andsafe for wider cover choice.
  • Readers wanting life or health cover beside pet insurance should consider die Bayerische for broader range.

Safety and regulation

Spot On Pet Insurance acts as broker rather than as insurer, so underwriting sits with partner carriers while distribution and service sit with the broker. Oversight comes from the Financial Conduct Authority under 831252. Readers should check policy documents for insurer details, cover limits and excess terms before purchase.

Who runs it

The business trades through Trusted Insurance Services Ltd and is based in the United Kingdom. Day to day help is available through email and help centre, which suits readers happy to manage queries by message and self serve guides. The firm holds Financial Conduct Authority authorisation under 831252, so readers can confirm its status on the public register.

How Spot On Pet Insurance compares

Where Spot On Pet Insurance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (831252), checked September 29, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What excess applies to Spot On Pet Insurance claims?+

Excess starts at £99 for each claim, while annual cover runs to 5000 GBP per unrelated condition per year. Readers should weigh the upfront excess against vet bills and check policy terms for exclusions, waiting rules and how excess applies across unrelated conditions.

How much vet cover does each policy provide?+

Annual cover runs to 5000 GBP per unrelated condition per year. The limit resets by policy year and applies separately to each unrelated condition. Readers facing ongoing or complex treatment should check how conditions are defined and whether limits meet likely vet costs.

Which pets can be covered by age?+

Eligibility is set at Over 4 weeks, no upper limit. That structure welcomes very young pets and also accepts older animals without stated ceiling. Owners should still confirm breed terms, health declarations and any exclusions that may apply with age.

How are claims submitted and tracked?+

Claims are managed through online portal. Policyholders submit details and supporting documents online and track progress through the same route. Readers should keep vet invoices and clinical notes ready, as clear records help avoid delays during assessment.

How can policyholders get help with cover?+

Help is provided through email and help centre. Readers can send written queries and use self serve guides for cover, claims and account questions. Those who prefer phone or live chat support should consider whether email based service suits their needs.

Is Spot On Pet Insurance regulated?+

The brand operates as broker through Trusted Insurance Services Ltd and holds Financial Conduct Authority authorisation under 831252. Readers can confirm authorisation on the public register and should read policy documents for insurer and cover details.

Can premiums be paid monthly?+

Plans run on monthly and monthly payments are offered. That structure spreads cost across the year and suits budgeting. Readers should check billing dates, missed payment rules and renewal terms before purchase, plus any changes to premium at renewal.

Sources

  • register.fca.org.uk/s checked September 29, 2026

    Backs: Licences

  • spotonpetinsurance.co.uk checked September 29, 2026

    Backs: Provider type, Headquarters, Legal entity

    “Spot On is a trading name of Trusted Insurance Services Ltd ... Appointed Representative of City Insurance Brokers Ltd, authorised and regulated by the Financial Conduct Authority”

  • spotonpetinsurance.co.uk/faqs checked September 29, 2026

    Backs: Age range, Cover limit, Excess from, Insurance types, Pricing model, Monthly payments

    “We only accept pets older than 4 weeks and don't discriminate against older pets”

  • spotonpetinsurance.co.uk/help-and-contact checked September 29, 2026

    Backs: Support channels

    “The quickest way to resolve your query is by emailing info@spotonpetinsurance.co.uk”

  • spotonpetinsurance.co.uk/how-to-claim checked September 29, 2026

    Backs: Claims channels

    “All claim types are to be logged through our easy to use online portal”

Compiled from 5 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Premium from.

Spot On Pet Insurance

Spot On Pet Insurance

Dedicated monthly pet cover with clear per condition limits

8.7/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings